How to Study in Germany Without a Blocked Account?

Do you want to study in Germany? Do you need a German student visa for that purpose? If the answer to both questions is “yes,” then this article will be of great help to you in terms of correctly planning your whole German study experience!

A German student visa acts as an entry ticket to Germany. Without that ticket, you will not be allowed to enter the country and, consequently, you will not be able to study at a German university. One of the key documents without which any application for a German student visa is bound to fail is proof of finances (Nachweis der Finanzierung in German). The Blocked Account (Sperrkonto in German) is arguably the most popular way of providing that proof. However, it is NOT THE ONLY one. This article introduces you to other authorized ways through which you can study in Germany without a Blocked Account.

Understanding Visa Requirements

Is it necessary to open a Blocked Account in Germany? The answer can be both “YES” and “NO,” depending on two criteria:

1. Your nationality
2. Your access to alternatives

Students are divided into three groups based on the need for a visa to study in Germany:

1. Students who need neither a German student visa nor a German student residence permit
2. Students who do not need a German student visa but need a German student residence permit
3. Students who need both a German student visa and a German student residence permit

Table: Students Who Need a German Student Visa/Residence Permit and Proof of Funds

Country of Origin	German Student Visa	German Student Residence Permit	Proof of Funds
European Union	❌	❌	❌
Norway	❌	❌	❌
Iceland	❌	❌	❌
Liechtenstein	❌	❌	❌
Switzerland	❌	❌	❌
Australia	❌	✅	✅
Canada	❌	✅	✅
Israel	❌	✅	✅
Japan	❌	✅	✅
New Zealand	❌	✅	✅
Republic of Korea	❌	✅	✅
United States	❌	✅	✅
United Kingdom	❌	✅	✅
Andorra	❌	✅	✅
Brazil	❌	✅	✅
El Salvador	❌	✅	✅
Honduras	❌	✅	✅
Monaco	❌	✅	✅
San Marino	❌	✅	✅
Rest of the World	✅	✅	✅

Students from group 1 do not need a visa or permit to study in Germany, so they do not need to provide any type of proof of finances. Conversely, students in groups 2 and 3 will need to provide proof of funds for their German student visa and/or German student residence permit.

Alternatives to a Blocked Account

If you are from the EU, Norway, Iceland, Liechtenstein, or Switzerland, you can study in Germany without a Blocked Account. However, if you are from any other country and cannot provide proof of sufficient funds through any other officially accepted ways, then the Blocked Account becomes a compulsory prerequisite. Fortunately, there are several German Blocked Account alternatives for students, which include:

1. Letter of Commitment (Verpflichtungserklärung): A document with which a German resident assures that they will provide financial support to you during your stay in Germany.
2. Scholarship: A full scholarship certificate equivalent to 934 EUR per month from a reputable provider such as the DAAD.
3. Parental Income: Demonstrating your parents’ financial standing with bank account statements or similar documents.
4. Bank Guarantee (Bankbürgschaft): A guarantee provided by a financial institution based in Germany or permitted to carry out banking transactions within the country.
5. BAföG (Bundesausbildungsförderungsgesetz): Need-based financial aid provided to students requiring financial support for their studies in Germany. Note that foreign students might be eligible for BAföG only under certain conditions.

Practical Tips to Study in Germany Without a Blocked Account

1. Explore Scholarship Opportunities: There are several funding possibilities available for foreign students wishing to further their studies in Germany, such as the DAAD scholarship, Erasmus+ scholarship, and Deutschlandstipendium scholarship. Additionally, inquire about potential scholarship opportunities with your school or program.
2. Get a Part-time Job: International students are allowed to work up to 120 full days or 240 half days per year. Part-time jobs can help cover expenses and provide valuable work experience. Check with your university’s student services office for opportunities.
3. Look for Affordable Housing: Housing can be a significant expense. Consider shared apartments, student dorms, or homestays to save money. Online services like ImmobilienScout24, WG-Gesucht, and Airbnb can help find affordable options.
4. Manage Your Expenses: To stretch your money further, reduce unnecessary spending and find ways to save money. For instance, cook at home instead of eating out, use public transport instead of taxis, and look for free or low-cost entertainment options.
5. Take Advantage of Student Discounts: Students in Germany can benefit from various discounts on public transport, museum admissions, and cinema tickets. Always check for student discounts to reduce daily expenses.

By exploring these alternatives and practical tips, you can manage your finances effectively and study in Germany without a Blocked Account. It is feasible with a little creativity and effort, allowing you to enjoy your time studying in Germany without worrying about your financial situation.

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