Germany Student Visa Blocked Account Alternatives for International Applicants

07 August 2025

The dream to study in Germany is an exhilarating adventure; however, to a majority of international students, opening a blocked account seems to be a major hindrance. The process of obtaining a German student visa usually involves the provision of sufficient financial resources, traditionally in the form of a Sperrkonto (blocked account)—whereby students pay around €11,208 (as of 2025) to cover living expenses. While this is the most common practice, it is not the only alternative.

We are frequently asked at BCES Admissions Abroad whether there are other ways to prove financial documents without having to open a blocked account. Fortunately, there are legitimate options that have been approved by German authorities. These options can be helpful for students who have issues with international money transfer or require more flexibility.

Let’s discuss these realistic options that can make your dream of pursuing studies in Germany more feasible.

1. Formal Obligation Letter (Verpflichtungserklärung)

A highly reliable alternative is by securing a Verpflichtungserklärung, a binding letter of commitment issued by a sponsor who is a resident of Germany. The letter is signed at the local Aliens Authority (Ausländerbehörde), where the sponsor agrees to provide for your living costs while in the country. The sponsor must provide financial evidence, such as wages, tax returns, and evidence of residence in Germany. This is quite common among students who have relatives or close friends who are posted in Germany.

2. Scholarship Confirmation

If you have been awarded a government-funded or private scholarship, the letter can act as a replacement for a blocked account. The letter must clearly state how much money you will be awarded and for how long you will be sponsored. DAAD, Erasmus+, or Deutschlandstipendium, among other popular scholarships, are widely accepted by German embassies and consulates.

3. Education Loan from a Recognized Bank

For Indian students, a government-approved bank or NBFC education loan may be used as a financial document. The sanction letter of the loan must state the sanctioned amount, the timing of disbursement of the same, and the name of the student. Some embassies still insist on a portion of the money being deposited in a blocked account, so it is best to confirm this with the consulate in advance.

4. Affidavit of Parental Support and Documentation of Earnings

While uncommon, it is under strict scrutiny, but some embassies do permit submission of parental income documentation along with an affidavit of support. Parents or guardians need to substantiate stable income in the form of tax returns, salary stubs, or bank statements. The likelihood of acceptance of this option is greater when supported by other documents such as property deeds or asset statements.

Things to Keep in Mind 

• As of 2025 January, the sum necessary for a blocked account has risen from €11,172 to €11,208 for one year of study.
• Every German mission (embassy/consulate) will need slightly varied documents, so it’s best to inquire directly with the one processing your application.
• All these alternatives still necessitate official translations if your documents are not in English or German.

Germany’s appeal draws many foreign students annually, and while the blocked account is still the standard, it is reassuring to know that there are other possibilities too. BCES Admissions Abroad is sensitive to the fact that the financial situation of each student is different. Our professional staff is ready to help you choose what is best for your visa application, whether to open a blocked account or choose an acceptable alternative.

Struggling to select the most suitable financial proof for your German student visa? Reach us at +91 9319996330 for personalized guidance and complete visa services.