Understanding the Blocked Account
Sperrkonto - Your Path to Financial Verification
To obtain a German student visa, Pakistani applicants must provide a Finanzierungsnachweis (proof of financial resources). The most common and reliable method is a Blocked Account (Sperrkonto), which ensures you have sufficient funds to cover your living expenses for the first year.
Understanding the Blocked Account
Sperrkonto - Your Path to Financial Verification
To obtain a German student visa, Pakistani applicants must provide a Finanzierungsnachweis (proof of financial resources). The most common and reliable method is a Blocked Account (Sperrkonto), which ensures you have sufficient funds to cover your living expenses for the first year.
Key Information at a Glance
Mandatory Amount
As of 2026, you must deposit €11,904 annually.
Monthly Payout
Withdraw up to €992 per month after arrival.
Buffer Fee
Add ~€100 for international transfer fees.
Total Deposit
Expect to transfer approximately €12,072.
Mandatory Amount for 2026
€11,904
From January 1, 2025, through 2026, the German Federal Foreign Office has set the required annual amount at €11,904.
Monthly Payout
You will be able to withdraw a maximum of €992 per month after arriving in Germany.
Buffer Fee
Most providers require an additional "buffer" (approx. €100) to cover international transfer fees, ensuring the final blocked amount is exactly €11,904.
Total Initial Deposit
Expect to transfer approximately €12,072
This covers the required sum, the setup fee, and the buffer.
Top Blocked Account Providers
You are free to choose any recognized provider. The following digital platforms are popular due to their fast, online application processes:
| Provider | Setup Fee | Monthly Fee | Key Features |
|---|---|---|---|
| Expatrio | €89 | €5 | Includes value packages with health insurance and ISIC card. |
| Fintiba | €89 - €159 | €4.90 - €9.90 | Fast processing (often within hours) via a dedicated mobile app. |
| Coracle | €99 | €0 | Simple "no monthly fee" model; high satisfaction for its streamlined process. |
Important Considerations
- Open your blocked account at least 4-6 weeks before your visa appointment
- Only German or EU-based providers are accepted by German authorities
- Keep your account open until you arrive in Germany and register at the university
- Some providers offer additional benefits like health insurance or ISIC cards