How much money do I need to show in a blocked account for a Master's program in Germany, and what are the typical living expenses?
For 2026, you need to show 11,904 euros, about 992 euros a month, in a blocked account for a German student visa. Typical monthly living expenses run 900 to 1,200 euros covering rent, food, health insurance and transport, with Munich and Frankfurt costing more than smaller towns.
For a Master's student visa in 2026, you need to show 11,904 euros in a blocked account, which works out to roughly 992 euros a month that you can access after arriving in Germany. This amount is meant for your living costs and does not cover tuition or arrival expenses.
Blocked account amount and monthly living costs
| Item | Amount |
|---|---|
| Blocked account, one year | 11,904 euros |
| Blocked account, monthly access | 992 euros |
| Rent, student dorm or shared flat | 300 to 700 euros a month |
| Food and groceries | 180 to 250 euros a month |
| Health insurance | 120 to 140 euros a month |
| Transport, phone and internet | 20 to 100 euros a month |
| Total realistic monthly budget | 900 to 1,200 euros |
Other costs the blocked account does not cover
- Semester contribution: Typically 70 to 430 euros per semester, charged separately by your university.
- Blocked account setup fees: Providers commonly charge a separate fee to open and administer the account.
- Arrival costs: Budget an extra 1,500 to 3,000 euros for your accommodation deposit, household items and residence permit fees.
- City differences: Cities such as Leipzig, Dresden and Jena are noticeably cheaper than Munich, Frankfurt or Hamburg.
My Advice
Open your blocked account well ahead of your visa appointment, since providers can take time to process the setup and you do not want this to delay your application. Budget an extra buffer beyond the minimum 11,904 euros, particularly if you are heading to an expensive city like Munich, since the blocked account figure is a visa requirement, not a comfortable living estimate.
Cash income, business income or no ITR?
See whether your funds and documents will pass the German visa check.
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