봉쇄 계좌
독일 유학생을 위한 봉쇄 계좌 (Sperrkonto)
독일 학생 비자를 위한 모든 봉쇄 계좌 제공업체를 비교하세요. 가장 낮은 수수료, 빠른 처리, 최고의 기능을 찾아보세요.
Coracle 차단 계좌
Coracle
월간 수수료 없는 경제적인 차단 계좌 — 현재 시스템 업그레이드로 인해 일시 중지됨
- No monthly fees — only a one-time €99 setup fee (or €59 with Prime)
- Lowest total first-year cost at €99 (or €59 with Prime bundle)
- Prime package includes GKV health insurance (TK, BARMER, or AOK) + travel insurance
- Account opening in ~2 hours (when operational)
Expatrio 차단 계좌
Expatrio
가장 빠른 차단 계좌 확인(약 24시간) — 무료 은행계좌, ISIC 카드 및 보험 패키지 포함
- Fastest confirmation — blocking letter within ~24 hours after funds arrive
- Lower setup fee (€89) and monthly fee (€5/month) than Fintiba
- Total first-year cost of €149 — saves €129 vs Fintiba
- Free German bank account with debit card (Apple Pay, Google Pay)
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Fintiba 동결 계좌 — 학생 비자 자금 증명
Fintiba
독일에서 가장 오래 확립된 동결 계좌 제공업체 — 보험 패키지, 장학금 프로그램 및 다국어 지원
- Most established provider — trusted by students from 200+ countries
- Health insurance bundle available (GKV via DAK/BARMER or PKV via MAWISTA)
- Travel insurance worth up to €95 included in Fintiba Plus
- Credit card payment accepted (instant blocking confirmation)
FAQ
자주 묻는 질문
A blocked account is a special bank account required for German student visa applications. You deposit a minimum of €11,904 (2026), and receive monthly withdrawals of €992 to cover living expenses. It proves to German authorities that you can finance your studies.
The minimum deposit for 2026 is €11,904 (12 × €992/month). Some providers allow larger deposits for longer visa periods. The amount is set annually by the German government.
Setup fees range from €49–159, with monthly fees from €0–9.90. Compare total annual costs including both setup and monthly fees to find the most affordable option for your situation.
Most providers process applications within 3–5 business days. After account creation, the bank transfer from your home country may take an additional 2–7 business days depending on your bank and country.
Yes, you can close your blocked account and transfer the remaining balance to any bank account. Processing times vary by provider, typically 2–4 weeks.
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