Blocked account calculator 2026
Work out exactly how much to transfer for your Sperrkonto, compare provider fees, and see what lands in your German account each month.
Last updated: July 13, 2026
How much money does a German blocked account require?
The blocked account requires €992 per month of your visa duration in 2026: €11,904 for a full year, released back to you monthly after arrival. The Chancenkarte requires €13,092 per year. Provider setup fees add €49-99 one-off plus €0-5 per month.
Your amount
Amount to block
€11,904
Monthly payout after arrival
€992
Transfer the blocked amount plus the provider fee and a small buffer for bank transfer costs.
Provider comparison for 12 months
| Provider | Setup fee | Monthly fee | Total to transfer | Opening speed |
|---|---|---|---|---|
| Expatrio | €59 | €5/mo | €12,023 | 1-2 days |
| Fintiba | €89 | €5/mo | €12,052 | Often same-day |
| Coracle | €99 | None | €12,003 | 1-3 days |
Fees are indicative 2026 figures and shift often - always check the provider's current pricing before transferring. Bundle offers (blocked account + health insurance) frequently beat buying separately; compare the year-total, not the setup fee.
Frequently asked questions
How much money does a German blocked account require in 2026?
The standard student amount is €992 per month, so €11,904 for a 12-month visa. The Chancenkarte (jobseeker card) requires €13,092 for a year. Add the provider setup fee and a small buffer for transfer costs on top.
Can I withdraw more than €992 in one month?
No, the monthly cap is hard. Keep separate accessible savings for your rental deposit (up to 3 cold rents) and first-month setup costs, because the blocked account cannot cover those spikes.
What happens to the money if my visa is rejected?
Before activation you get a full refund against proof (the rejection letter), minus the setup fee. Processing takes weeks, so budget accordingly.
Related guides
The full blocked account playbook and the student journey around it.