Cost of a blocked account from Pakistan (in PKR)
A blocked account (Sperrkonto) is not a fee — it is your own money, parked to prove you can support yourself, then released to you in monthly instalments after you arrive. The only real cost is the provider's setup and monthly service fee. Budget the deposit as savings you get back, not as spending.
The short answer
≈ Rs3,780,945–Rs3,837,330
€12,003–€12,182 · a blocked account from Pakistan
- Refundable (yours)
- Rs3,749,760
- Actually spent
- Rs31,185–Rs87,570
Local amounts convert € at approximate rates and move daily — planning estimates, not quotes.
Line by line
What a blocked account actually costs
Every figure in euros and PKR. Rows marked refundable are your own money (the blocked account), released back to you monthly after you arrive.
| Item | Euros (€) | In PKR |
|---|---|---|
| Blocked deposit (student, 1 year) RefundableReleased to you monthly once you are in Germany — your own money. | €11,904 | Rs3,749,760 |
| Provider service fees (first year)Setup + 12× monthly across Coracle, Expatrio and Fintiba. | €99–€278 | Rs31,185–Rs87,570 |
| Total to arrange | €12,003–€12,182 | Rs3,780,945–Rs3,837,330 |
Refundable
Rs3,749,760
€11,904
Your own money — the blocked account, released back to you monthly.
Sunk (spent)
Rs31,185–Rs87,570
€99–€278
Fees and costs you actually pay and don't get back.
Total to arrange
Rs3,780,945–Rs3,837,330
€12,003–€12,182
Money you must have available up front.
Read this before you budget
The deposit is 'refundable' in the sense that it is your money — released in monthly instalments once you are in Germany, not returned as a lump sum. Only the provider service fee is truly spent, and it varies by how long you keep the account open.
From Pakistan, specifically
- Your file is processed via the German mission (Islamabad (German Embassy) · consular services also via major cities).
- Visa processing typically runs about 8–16 weeks once submitted.
- Documents go through IBCC/HEC attestation of your certificates.
These figures move. Fees, the blocked-account minimum and exchange rates all shift. Numbers were verified 2026-07-20 against official sources; the PKR amounts convert euros at approximate rates. Always confirm the current amount with the embassy and your provider before transferring money.
Answered honestly
A blocked account from Pakistan
Still unsure about your budget? Ask us directly — we reply within 24 hours.
The deposit for a student visa is about €11,904 for the first year — but that is your own money, not a fee, and it is released to you monthly after you arrive. The only real cost is the provider's charge: roughly €99–278 in the first year depending on whether you use Coracle, Expatrio or Fintiba.
It is your money throughout — not a payment to anyone. Once you arrive and activate the account, it releases a set amount to you each month to live on. So rather than being 'refunded', it is simply paid back to you in instalments. Only the provider's setup and monthly service fees are actually spent.
Costs vary by setup fee and monthly charge, and across common providers the first-year service cost ranges from roughly €99 to €278. The cheapest option depends on how long you keep the account open — some charge a higher setup but no monthly fee, others a low setup plus a monthly fee. Always compare current rates.
German authorities require proof that you can cover your living costs for a year without working full-time. A blocked account is the standard way to show this: the money is locked and released to you in monthly instalments. It protects you as much as them — it guarantees you have funds to live on while you study.
Converted at current rates, a blocked account works out to roughly Rs3,780,945–Rs3,837,330 (€12,003–€12,182) for someone applying from Pakistan, of which about Rs3,749,760 is a refundable blocked-account deposit you get back monthly. Exchange rates move, so treat the PKR figure as a planning estimate and confirm before you transfer money.
Once your file is submitted, processing at the German mission (Islamabad (German Embassy) · consular services also via major cities) typically takes about 8–16 weeks. Getting an appointment is usually the bigger wait, so budget your money early and apply the moment a slot opens. Have your IBCC/HEC attestation of your certificates ready before you book.
- Subsistence / blocked-account minimum (BAföG-linked) — German Federal Ministry of Education (BMBF) (official)
- Visas for Germany — German Federal Foreign Office (Auswärtiges Amt) (official)
- Make it in Germany — official government portal — German Federal Government (BMAS / BMWK) (official)
- German Missions in Pakistan — visa information — German Federal Foreign Office (official)
Figures are checked against these sources and reviewed each application intake. Last verified: 2026-07-20. Always confirm the current rule for your case with the official source before you act.
Plan it with us
Budget your move from Pakistan honestly
Send us your plan and we'll help you cost it out in PKR — what's refundable, what's spent, and where you can save. Free, no obligation, reply within 24 hours.