Move to Germany Without a Blocked Account: 6 Cost-Savvy Ways
Table of Contents
1. Secure a Scholarship
Scholarships are one of the most effective ways to move to Germany without a blocked account because they provide documented financial support that satisfies visa requirements. When you receive a scholarship award from a German university or organization, you will be given an official scholarship award letter. This letter provides detailed information about your monthly stipend and confirms that you have a reliable source of income to cover your living expenses while studying.
Most scholarships in Germany provide between 1,000 and 1,500 euros per month. This regular income ensures that you can fully focus on your studies without the stress of finding part-time work immediately upon arrival. Several well-known scholarships include:
- DAAD Scholarship: Largely available for postgraduate students in specific fields.
- Erasmus Mundus Program: A joint degree program spanning various European countries.
- Deutschlandstipendium: A merit-based scholarship open to both German and international students across all levels.
Additionally, many German universities provide their own scholarship opportunities for international students. It is recommended that you check the official websites of the institutions you are interested in to see if they offer tailored financial support.
“A scholarship is not only a financial blessing but also a testimony that you have the potential to excel in your academic pursuits.”
For more information on scholarships, you can explore our detailed article on the subject or visit your prospective university’s website directly.
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2. Obtain a Work Visa
Another practical way to move to Germany without a blocked account is by securing employment and applying for a work visa. The process is straightforward: start by applying to German companies through job platforms such as LinkedIn or other specialized job websites. Once you successfully pass the virtual interviews and receive a job offer, you can apply for either a normal work visa or, preferably, the EU Blue Card.
The EU Blue Card offers several benefits, including:
- Access to higher-paying jobs.
- Simplified family relocation processes.
- Faster eligibility for permanent residency.
For applicants working in STEM fields—science, technology, engineering, or mathematics—the required annual salary to qualify for the EU Blue Card is approximately 45,000 euros. When employed on a work visa, you won’t need a blocked account since your job income will comfortably cover your living expenses.
If you are just starting your career and lack extensive experience, consider applying for internships or entry-level positions. Many German companies offer robust training programs that lead to permanent roles.
3. Enroll in a Vocational Training Program (Ausbildung)
For those seeking a more hands-on approach to enter the German job market, vocational training—or Ausbildung—offers a promising pathway to move to Germany without a blocked account and without much money upfront. This form of job training combines practical work experience with classroom learning over a period of two to three years.
During your Ausbildung, you work for a company and receive a monthly salary, eliminating the need for a substantial personal account deposit. Completed vocational training not only provides valuable work experience but also paves the way for future permanent employment. Moreover, after two years of full-time work, you become eligible to apply for permanent residency in Germany.
There is a wide range of fields available for vocational training, including:
- Healthcare
- Information Technology (IT)
- Hospitality
- Engineering
- Skilled trades (e.g., mechanics, carpentry)
To improve your chances of success, make sure you have at least basic German language skills, as most programs require a B1 language level. If you need tips on learning German effectively, check out our resource on the best ways to learn German as a beginner. You can find the video here.
4. Pursue a Fully-Funded PhD Program
If you have a passion for research and academia, applying for a fully-funded PhD program in Germany is another excellent way to move to Germany without a blocked account. Many PhD programs offer a monthly stipend or salary that covers living expenses. In addition, most German universities do not charge tuition fees for PhD candidates, which further reduces your financial burden.
The financial stability offered by a fully-funded PhD program means that you can comfortably support yourself without needing to demonstrate a blocked account balance. For those whose PhD includes a work contract or research position, the employment details serve as proof of sufficient income. If the research contract does not entirely meet your financial needs, you may also supplement this support with scholarships (such as those provided by the DAAD) to ensure your visa application is successful.
Germany is globally renowned for its cutting-edge research institutions like the Max Planck Institute and the Fraunhofer Institute. Many PhD programs, particularly those in STEM fields, are conducted in English, making it easier for international students to integrate and focus on their research without the immediate need for advanced German.
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5. Apply for a Family Reunion Visa
If you have close family members already residing in Germany, the family reunion visa might be an ideal option for you to move to Germany without a blocked account. This visa category does not typically require a blocked account as long as your sponsoring family member meets the necessary criteria.
The family member in Germany must possess a valid work visa, a steady income, and a secure place to live. They will be required to submit documents such as employment contracts, tax returns, and proof of accommodation to demonstrate their ability to financially support you.
In many cases, if your family member holds an EU Blue Card or permanent residency, the application process becomes even more streamlined. Additionally, you may be required to demonstrate basic German language proficiency, usually at an A1 level. Learning the language to meet this requirement is generally achievable within a few months.
6. Secure a Sponsorship Visa
The sponsorship visa is another flexible option to move to Germany without a blocked account. With this visa, a person residing in Germany—a family member, friend, or mentor—can agree to financially support you by signing a document known as a “Verpflichtungserklärung” (declaration of commitment).
To qualify, your sponsor must provide proof of their financial stability by submitting documents that include income statements, job details, and proof of legal residence. The German Embassy will also verify the legitimacy of the relationship between you and your sponsor, so be prepared with supporting documents such as letters or legal papers that prove your connection.
One of the major benefits of the sponsorship visa is its flexibility—your sponsor does not necessarily have to be a relative. This option is particularly useful if you have a close friend or mentor in Germany who is willing to support you through the relocation process.
Additional Tips for Moving to Germany Without Much Money
Besides the six primary options detailed above, here are some additional tips to ensure your transition to Germany is as smooth and cost-effective as possible:
- Build Your Skills: Enhance your employability by gaining work experience or engaging in skill-building courses in your home country prior to moving.
- Learn the Language: Even if some programs are available in English, having basic knowledge of German can help you adapt faster and open doors to many other opportunities. Check out our language learning guide here for beginners.
- Network Effectively: Use professional social networks like LinkedIn and attend relevant workshops or webinars. Building a solid network may lead to job opportunities or sponsorship arrangements.
- Research Thoroughly: Whether it’s scholarships or vocational programs, always check official sources such as university websites or government portals to obtain accurate requirements and deadlines.
- Financial Planning: Even though these options minimize the need for a large sum of money upfront, prepare a realistic budget for your initial months in Germany. This includes costs for housing, transportation, and daily living.
While moving to Germany without much money may seem challenging, these methods provide a variety of entry points that can accommodate different situations. By planning carefully and taking advantage of the opportunities available, you can start your new life in Germany without the need for a blocked account.
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Conclusion
Transitioning to a new country is never easy, but you can move to Germany without a blocked account by exploring these six cost-savvy ways. Whether through scholarships, employment, vocational training, a fully-funded PhD, a family reunion visa, or a sponsorship visa, each pathway offers a unique route designed to support your financial needs while you build a life in Germany.
The German government ultimately wants to see that you can support your basic needs—rent, food, healthcare—and successfully integrate into society. Take this opportunity to research each option in detail and prepare accordingly. With careful planning, commitment, and the right resources, your dream of moving to Germany without much money can soon become a reality.
Remember, whether you are building your career, advancing your education, or reuniting with family, every step counts. Start planning today with confidence and explore the pathway that best suits your situation!
