4 min read · Updated 10 Nov 2026

The cost of studying in Germany and the blocked account

The short answer

German public universities charge no tuition in most states, but study is not free of cost. You pay a semester contribution of €150 to €400, and you must show about €11,904 in a blocked account to cover first-year living costs, which is a visa condition.

What is a blocked account?

A German bank account where you deposit a full year of living costs before travelling, and from which you can withdraw only a fixed monthly share (about €992) after you arrive. It assures the embassy that you can support yourself. The money is yours and comes back to you month by month.

Annual cost items

  • Semester contribution: €300 – €800 a year, usually including a transport ticket.
  • Baden-Württemberg charges non-EU students €1,500 a semester.
  • Housing: €300 – €700 a month depending on the city. Munich is the most expensive.
  • Student health insurance: about €120 – €140 a month.
  • Public Studienkolleg is free; private ones charge fees.

How to reduce the cost

  • Students may work 140 full days a year.
  • DAAD scholarships for master’s students, and foundation scholarships for high achievers after the first semester.
  • Student housing (Studentenwerk) is far cheaper. Apply the moment your admission arrives.

Let’s talk about your plan

A free half-hour consultation. You leave with your options, their cost and their deadlines.