Nowadays it is one of the most asking questions on different forums such as GSG Forum. Normally German embassy or consulate doesn’t demand the second-year blocked account. But according to my personal experience, they ask for a second-year blocked account when students don’t show their finances properly. How?
I will explain this with an example. Suppose, Sarah gets admission to a master’s degree and the total cost of her degree is 1800 euros (600 euro per semester). She receives an admission letter, opens a blocked account with 10236 euros, and submits her file to the German embassy. After few days, the embassy asks her for a second-year blocked account. You know why?
Because she forgets about other expenses such as tuition fee, semester fee, and expenses of the second year. She thinks that she will get a study visa by showing only one-year expenses in a blocked account. But visa officers think differently and want to ensure that she completes her degree without depending on the german society. That is the reason why they ask for the second-year blocked account.
Now I will give you a tip on how you can avoid showing a second-year blocked account. Always show your finances according to this tip and 100% embassy will not ask for a second-year blocked account.
Suppose, you get admission to a master degree and the following are your total expenses:
Degree duration: 18 months
Tuition fees/Semester ticket cost: 1,800 euros (600 euro semester ticket X 3)
Living expenses for 18 months: 15,354€ (853€ X 18months)
Total expenses: 17,154€ (1,800+15,354)
Now opening a blocked account with 10,236 euros is not enough. You must show two years’ expenses in a blocked account. Or, you must show the remaining expenses of 6,918 euros (17,154-10,236) with other sources. You can show this remaining money in your personal bank account. Or, you can show half in your personal bank account and half in your parent’s bank account. Or, you can show some money in your personal bank account and for the remaining show your source of income. In this way, your money will remain in your own accounts and you will not feel any extra burden.
That is also the reason why everybody insists that students must attach additional bank statements in visa files. The purpose of these additional bank statements is to prove that you have enough money to bear all study expenses.