Visa Refused Because of the Blocked Account? The Most Common Reasons in Germany
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.
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.
Frequently asked questions
My Sperrkonto certificate is older than 4 weeks — what now?
Request a fresh certificate from your provider (BASTI / Sutor Bank issues a new one within 24 h, free of charge) and re-book the visa appointment.
Could the deposit be too low?
Confirm the current annual amount (€11,904 for 2026) is fully transferred and visible on the certificate before the visa appointment.
Can I use a different provider after rejection?
Yes — you can switch from any other provider to BASTI in under 48 h. The new certificate replaces the old one for the next visa appointment.
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