For Indian students · Beta · Updated 2026-05-12
What your Sperrkonto actually costs.
A transparent comparison tool for Indian students opening a German blocked account. Compare hidden bank fees, GST, and TCS before you transfer.
1. Pick your Indian bank
Studying on an education loan? TCS is 0% — your real cost is lower than shown.
2. When you're ready, open the Sperrkonto
Three providers accepted by all German embassies for student visa.
Expatrio Value Package Bundle: Sperrkonto + TK insurance
Setup fee: 49 €
Open Account → Fintiba Plus Sperrkonto + insurance bundle (Barmer or Mawista)
Setup fee: 89 €
Open Account → Coracle Sperrkonto only; insurance can be added separately
Setup fee: 89 €
Open Account → Email reports coming soon
We're working on personalised PDF reports with your calculation, transfer timing tips, and Sperrkonto opening checklist. Bookmark this page or save the link to come back.