ExpatNav
Sperrkonto

Best blocked account for expats in Germany, 2026.

A Sperrkonto holds the 11,904 euros German embassies want to see before they issue your student visa.

4 providersVerified monthlyRefreshed May 2026
4 results
Our pick
Expatrio logo

Expatrio

Berlinsince 2018

Bundles blocked account with mandatory health insurance and a free German bank account. Strong for South Asian student visa applications.

Best for Students bundling blocked account + health insurance

  • 1–3d setup
  • English
  • Mobile app
  • No SCHUFA
12-month total
€149
Setup
€89
Monthly
€5
cheapest
Visit Expatrio
Fintiba logo

Fintiba

Frankfurtsince 2016

Original online blocked account provider. Partners with Sutor Bank for fully online setup. Higher fees than competitors.

Best for Students who want the original, longest-running provider

  • 1–5d setup
  • English
  • Mobile app
  • No SCHUFA
12-month total
€277.8
Setup
€159
Monthly
€9.9
+€128.8
Visit Fintiba
Deutsche Bank logo

Deutsche Bank

Frankfurtsince 1870

Traditional in-branch blocked account. Useful when a fully online provider is not eligible for your nationality.

Best for Students whose nationality blocks online providers

  • 10–21d setup
  • English
  • Mobile app
  • No SCHUFA
12-month total
€150
Setup
€150
Monthly
Free
+€1
Visit Deutsche
Paused
Coracle logo

Coracle

Berlinsince 2019

Not currently accepting new applications. Bank system migration since August 2025.

  • 1–2d setup
  • English
  • Mobile app
  • No SCHUFA
12-month total
€99
Setup
€99
Monthly
Free
Quick tool

11,904 EUR — what is that in your currency?

Live ECB rate

EUR → your currency

2026-06-12
USD
You get
13,769.36USD
1 EUR = 1.1567 USD · ECB reference
Open full converter

Affiliate disclosure: ExpatNav may earn a commission if you sign up through these links. Commissions never affect our editor's pick or the order of results.

Notebook with handwritten questions
FAQ

Asked & answered.

4 sperrkonto questions.

A blocked account (Sperrkonto) proves to the German embassy that you can support yourself for one year as a student. The amount for 2026 is 11,904 euros. You can only withdraw 992 euros per month once you arrive.
Online providers like Expatrio and Fintiba open accounts in 1 to 3 business days. Deutsche Bank takes 2 to 3 weeks because the application is processed in a branch in Germany. Coracle is currently not accepting new applications.
Expatrio is the cheapest if you only need a blocked account: 89 euros setup plus 5 euros per month. Fintiba is 159 euros setup plus 9.90 per month. Deutsche Bank charges 150 euros setup with no monthly fee but requires an in-person branch visit.
Yes. Every provider refunds the deposited 11,904 euros when you submit the embassy rejection notice. The 89 to 159 euros setup fee is non-refundable.
Related reading

Pair the comparison with a guide.

Guide

How the EU Blue Card changed in 2026

Read