For Nigerian students aspiring to study in Germany, one crucial step in the visa application process is providing proof of financial resources, often referred to as a “blocked account” or Finanzierungsnachweis in German. This document proves that you have sufficient funds to cover your living expenses throughout your studies.
Currently, students must deposit a minimum of €11,208, which can be accessed in monthly installments. This guide focuses on how to open a blocked account, particularly with Deutsche Bank, from Nigeria.
What is a Blocked Account?
A blocked account (Sperrkonto) is a specialized bank account designed to cover your studies and living expenses in Germany. These include:
- Rent and utilities
- University fees (administration and enrollment)
- Daily expenses such as food, clothing, and groceries
While several German banks, such as Sparkasse or Volksbank, offer blocked accounts, Deutsche Bank is the most commonly used by international students, particularly for Nigerian applicants.
Step-by-Step Process for Opening a Blocked Account
1. Prepare Your Documents
Before beginning the application process, ensure you have provisional admission to a German university or institute. You will also need the following:
- A completed application form (downloaded from the Deutsche Bank website)
- Nigerian international passport with at least six months’ validity (plus two black-and-white copies of the bio-data page)
- Two copies of your university admission letter
- Proof of source of income (e.g., a Nigerian bank statement)
- A prepaid envelope from a courier service like DHL, FedEx, or UPS
2. Fill Out the Application Form
Complete the Deutsche Bank blocked account application form using a PDF editor like Adobe Reader. Be sure to leave the date, place, and signature sections blank, as these will be completed during your consular visit.
3. Schedule an Appointment at the German Consulate
Visit the German consulate in Abuja to verify your account details and signature. During the appointment, ensure you have all the required documents listed above, including a verification fee of €150 and a monthly maintenance fee of €5.90.
4. Submit Your Application
Send the completed forms and supporting documents via courier to Deutsche Bank at the following address:
Deutsche Bank
Privat- und Geschäftskunden AG
Spezialservice Ausländische Studenten
Alter Wall 53
20457 Hamburg, Germany
Expect the bank to notify you by email and post once your account is successfully opened, typically within 2–3 weeks.
5. Fund Your Account
Transfer at least €11,208 (or the required minimum) plus additional fees for account maintenance and bank charges. Ensure you account for Nigerian bank transfer fees to avoid delays.
What to Do Upon Arrival in Germany
Once you arrive:
- Visit a Deutsche Bank branch to complete the activation process.
- Provide your passport and residence registration document (Anmeldung).
- Receive your Eurocheque-Karte (EC card) and internet banking login details for monthly withdrawals.
In Case of Visa Rejection
If your visa application is denied, you will need to submit:
- A signed application to close the account
- An original letter confirming your visa status
The remaining funds will be refunded after processing.
Timing and Important Tips
- Apply for your blocked account as soon as you receive your admission letter. Processing can take up to 8 weeks, so starting early is critical.
- Choose a reliable courier service to avoid delays in document delivery.
Contact Information
For further assistance, contact the German High Commission in Lagos:
15 Walter Carrington Crescent,
P.O. Box 72800,
Victoria Island, Lagos, Nigeria
Telephone: +234 1 280 99 66
Email: info@abuja.diplo.de
