冻结账户
德国学生冻结账户（Sperrkonto）
比较所有冻结账户提供商，为您的德国学生签证找到最低费率、最快处理速度和最佳功能。
Coracle 冻结账户
Coracle
经济实惠的冻结账户，无月度费用——目前因系统升级而暂停
- 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 冻结账户
Expatrio
最快的冻结账户确认（约24小时）— 包含免费银行账户、ISIC卡和保险套餐
- 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 冻结账户 — 学生签证资金证明
Fintiba
德国最成熟的冻结账户提供商 — 包含健康保险套餐、奖学金计划和多语言客户支持
- 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)
常见问题
常见问题
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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