#StudyinGermany: Proof of Finance (Blocked Account)

Oddly enough when I listen to Spotify’s Deep Focus playlist, I am able to focus. Does that happen to you, too? I know it’s weird to pin focus on a playlist, but it works, for me at least.

If you’re looking to study in Germany, you may have already gone through the embassy’s website and took note of the requirements.

If not yet, simply Google German Embassy in (state the name of your country of residence). Go to Services, and then Visa Information. Once you’re in the Visa Information page, click on National Visa/Long Term Stay in Germany. This simply means that you are expressing intent to stay in the country for more than 90 days. Do take time to read through the reminders from the embassy in this page as well. There will be a list of types of Long Term Visas you may choose from, but go ahead and look for Student Visa (if you already have your acceptance letter from the University), or Study Applicant’s Visa (if you are still waiting for decisions from the universities you have applied to).

Here you will find a list of your requirements, do note that this may vary from one country to another. But essentially, you will be asked what is expected.

Photo from Embassy of Germany in Singapore (
https://singapur.diplo.de/blob/1269372/1d02c3c0a7f73af2e71725c5ad974e38/download-visa-student-data.pdf )

There are requirements you may already have, and there are requirements you will need to prepare for. I tend to organize my requirements by importance, and processing time I will need to acquire it, and then I work my way from there.

Based on the list, I have identified 2 things that are both highly important and will be time consuming for me to acquire. 1 – letter of acceptance, and 2 – proof of finance.

We’ll save the university application and other things on a different post. For now, let’s talk about the Proof of Finance. If you are a scholar, or if you have a sponsor, lucky you! You can mark this requirement as easy peasy. But for us (my pips) who require a Blocked Account, the process is a bit more… involved. ūüôā

Blocked Account. I know right? What is this? why do I keep hearing about this?

Blocked Account is essentially a bank account. You will need to deposit a standard amount to it as required by the German Embassy, 720 euros for 12 months = 8640 euros. Once this account has been successfully established, you will be then issued a letter stating that you have a blocked account with a certain bank and with a certain amount of money.

Achtung! Complying with this requirement does not automatically give you a visa, this is just a requirement. Whether or not you will be given a visa is up to the proper authorities.

This is my second time to apply for a long term visa in Germany. My first was some three years ago, and I went with a “Study Applicant Visa” as I did not have results from any of the university I applied to at the time of my visa application. With this, I only needed a proof that I can cover my expenses for 3 months (the validity of a Study Applicant Visa). During this time too, I had no full intentions of staying in Germany yet. I just wanted to see what it was like to live and study there. Also, I had a formal obligation letter (Verpflichtungserkl√§rung) during this application, which meant that I did not have to get a blocked account. But I still had my own money, enough for 6 months.

I’m glad though that this time around, I found the Blocked Account application easier, or more approachable – student friendly, if I may. Although I did not get a blocked account during my first stay, I did read the process. I remember only having the option to go for Deutsche Bank here in Singapore, and I read somewhere that the application process alone takes at least 2 weeks, and you will have to do some declaration about who will be financing your account.

But now, students have newer, more efficient options! The German embassy website in Singapore has recommended alternatives other than D-Bank, link is as follows:


Of the 4 that were mentioned, I personally chose Fintiba, and I have to say, I do not regret my decision at all! At first I was skeptical, naturally. We are talking about hard earned money here. But after going through with some of the reviews, and the like, I decided to go ahead and try. The process was easy enough, their website even has a timeline of the actions you have taken for your own reference. I’m confident that the application process is efficient and safe across the list provided in the website. But what I truly appreciate about Fintiba is their Support Team! I have had a few changes for my Fintiba account, and all my concerns were answered within 2-3 business days!

So anyway, I hope this helps with your quest to look for a reliable Blocked Account partner/bank. If you have opted for a different bank, share with me your experience! I’d love to hear feedbanks! And maybe I can come up with a comparison table across the 4 banks listed.

Have a great week ahead!

PS, this post is not sponsored, and I am in no way affiliated with Fintiba. I just think that a good service deserves a shoutout.


If you can’t change the situation, change your attitude towards it.

I haven’t been able to keep up with my own expectations in terms of writing and posting in this blog. Obviously, I had 2 posts, and then no follow up. Typisch of me.

I got overwhelmed with other things and lost motivation in pursuing this. So this is my 2nd attempt to… making this blog happen for myself. Less overthinking, and just writing down thoughts as raw as possible, I hope.

The past months have been hard, especially the first quarter of this year. I was preparing to move back to DE and I was really looking forward to it. My heart and my mind is simply not in the place where I am today. Work is a drag and I barely have the interest in continuing down this “career”… no, job. Definitely not a career. Aside from draggy work, I had a side hustle which took A LOT of time and energy. We’re talking about at least 20 hours a week on top of the normal 9 AM to 6 PM job. And up until late December, I was taking language classes which was 3 hours a week. Overwhelmed, over-stretched, hella tired. Needless to say, I had a point where I thought I hated my life, as dramatic as that may sound. But for lack of a better description, I really did kind of hated where I was in my life. I felt as though I was not where I thought I should be at this age. So I tried to cut corners and speed up the process of moving back to DE.

January. Day of my visa interview came, literally 3 hours before it, I cancelled. Read More

If you’re looking to study abroad…

I was able to make a dent in my goal when I studied in Germany for a semester.
It all started when I had a German flatmate in SG. We were talking about pursuing further studies, and she mentioned that (public/state) education in Germany is free. Best part is that this is extended to international students, too! I don’t know why it’s free for everyone but I wasn’t about to pass on that opportunity. So, I did my due diligence and informed myself as much as I could about the process. And whoa, what a process it was.
I visited a total of 7 countries in those 6 wonderful spring-summer months in Europe. And given this, I have been persuaded by some friends to “blog” about the countries and places I have visited. It did not really appeal to me. Maybe because I did not have the best idea about blogging. I saw it as some sort of “mainstream”, errthing-is-perfect in little squares on Instagram accompanied by a phrase: full story on my blog/link in bio. I mean, it can’t be that perfect and easy, well at least not for everyone. With that, the thought of blogging was just so aloof and unnatural to me.** Until I thought to myself that if I really want to write, maybe I could be a source of information instead; give information about how I was able to travel, secure documents, and prepare for a life alone in a foreign country worlds apart from what and where I grew up in.
Albeit brief, for me the hardest part about moving to Germany to study was that I didn’t have a person to talk to about it, a guide of some sorts. I did not have a go to person that could assist me, anyone that could tell me which ways are more efficient and solid, or simply anyone I can share some frustrations with especially when the going gets tough. Hence I told myself that if I made it through all the processes, I’ll write about it – like a guide that I needed back then. I can’t believe I am about to go through the same processes again, and re-live everything I went through 2 years ago (again!). But I hope that this would help in reminding me with key things that I can share. This topic/guide is going to be long, so I will try my best to organise it as best as I can and maybe present it in a series of entries.
SO, if you are looking to study abroad, here are three things:
You’re just about to start a long journey, but not to worry, every big decision starts with a small step.
1. I am proud of you in deciding to do so – uprooting yourself out of your comfort zone is not easy. Trust me, you will cry at some point and not to be overly dramatic, but when I got sick when I was alone, I did not think I would survive haha. BUT as cliche as it may sound, it is honestly one of the best decisions you will ever make in your life. Probably the best experience, too.
2. Fair Warning: It is going to be a long journey ahead – This is directed towards my friends with weaker passports. Although the process is frustrating and long (not to mention, expensive), hang on and push through. It will all be worth your while (and moolah).
3. But: Take a deep breath, and enjoy – imagine being in a theme park and you’re about to ride a crazy roller coaster, you’re scared and excited at the same time. Throw the worries away, I am sure there is a solution to every challenge presented along the way – it’s not like we’re going to give up, right? Enjoy.
I can’t wait till I actually start writing about my process-experience. Hopefully I can share one by next week, if not sooner. Calling the spirit of not being lazy and proverbially exhausted to be with me. Happy Friday!
**I admit my bias is based on my lack of exposure and knowledge about blogging and bloggers, and I do not mean to offend anyone nor am I directing those words to any particular individual.
#ifyourelookingtostudyabroad #studyabroad #studyabroadguide #studyingermany #study #hashtagsissonewtome

Challenge: 30 before 30 – Los geht’s!

I have always wanted to start a blog, but I didn’t know what to write about. I definitely didn’t want my blog to be one of those story-time blogs, though there is absolutely nothing wrong with that, and I think that it just comes naturally since blogging is personal. To each his/her own. I thought that if I started a blog and I can’t help but just write about story-times, the least I hope I could achieve is to reach out to people and be able to provide assistance, information, or help of some sort. BUT I didn’t think I had anything helpful enough to share.
At least until I started travelling… a lot. Not much, but quite a lot for my standard.
As the description says, I possess a Developing Country’s passport (third world or weak passport, if you will). With this comes a long list of things you have to do and comply before you can set foot in another country. Somehow I feel like I have proven myself more and better in embassies than I ever did in front of my own family. LOL. I’m kidding. I’m Asian, being a B-sian was not an option. Again, I’m kidding. I’ll stop.
Much has been said about where to go, where to stay, what to do, and where to eat when you go to this place and that. And that’s all good, too! But I hope to help my siblings in weaka*s passport hood navigate and best approach visa applications and travel preparations. If you’re thinking of applying as a student in an EU country, I may have some tips speaking from experience.
Finally, as I will be paying monthly for this blog, I sure hope I can maintain this and post regularly. The monthly bill should serve both as an inspiration and motivation.
So, ja. Los geht’s!
#travel #travelchallenge #30before30