Blocked Account Timing: Plan Backwards From Your German Embassy Appointment

A blocked account with €11,904 (12-month deposit) is required for most German student visas and the Opportunity Card (Chancenkarte). The BASTI package (€4.90/month + €65 setup) bundles the account with recognized health insurance, satisfying both visa requirements at once.

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Recommended tariffs

Blocked Account (BASTI) — all prices by age & duration

Gebühren & Prämien	BASTI Basic	BestsellerBASTI Smart	BASTI Premium
Monatliche Gebühr	4,90 €	4,90 €	4,90 €
Bearbeitungsgebühr (einmalig)	65,00 €	65,00 €	65,00 €
Puffer	100,00 €	100,00 €	100,00 €
Incoming-Krankenversicherung		GRATIS	GRATIS
Gesetzliche Krankenversicherung (DAK)		145,52 €135,52 €	145,52 €
Unfall- u. Haftpflichtversicherung		7,50 €	7,50 €

Erforderliche Sperrkonto-Einlage: 11.904 € = 12 × 992 € monatlicher Sperrbetrag plus 100 € Puffer (BAföG-Satz, Stand 2026) — keine Gebühr, sondern Einlage. Bearbeitungsgebühr einmalig 65 € (50 € Kontoeröffnung + 5 € Saldobestätigung + 10 € Kontoführung). Smart spart ca. 153 € auf Incoming-Versicherung. Stand 2026.

BASTI – Kurzübersicht Direkt zum Antrag

Care Visa Protect — all prices by age & duration

Care Visa Protect	Tagesprämie	Multiple Visa (Jahresvertrag)
bis 64 Jahre	0,85 €/Tag	110 €/Jahr
65 – 74 Jahre	2,60 €/Tag	215 €/Jahr

Preise pro Person. Mindestprämie 8,50 € pro Reise. Höchstleistung 50.000 € (deutlich über Schengen-Minimum 30.000 €). Selbstbeteiligung 0 €. Abschluss vor Reisebeginn erforderlich. Stand 2026.

Care Visa Protect – Kurzinfo Direkt zum Antrag

Frequently asked questions

How early should I open the Sperrkonto?

Open it 6–8 weeks before the visa appointment, leaving enough time for the international money transfer and the issuance of the official confirmation PDF.

Should I buy insurance first or last?

Buy insurance last (1–2 weeks before the appointment) so the certificate is as fresh as possible — many embassies require ≤ 4-week-old documents.

Does BASTI handle both at the same time?

Yes — BASTI Smart and Premium tariffs bundle the Sperrkonto + insurance PDF, so timing is synchronised automatically.

Blocked Account Timing: Plan Backwards From Your German Embassy Appointment

Recommended tariffs

Blocked Account (BASTI) — all prices by age & duration

Care Visa Protect — all prices by age & duration

Frequently asked questions

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