# How to Austria — Blocked Accounts & Proof of Funds > Proof of funds for Austrian visas and residence permits: 2026 thresholds (student under 24 EUR 722.58/month, 24+ and single EUR 1,308.39, couple EUR 2,064.12, per child EUR 201.88, rent top-up over EUR 386.43), accepted-proof matrix, blocked account (Sperrkonto) DIY vs provider, source-of-funds evidence, Haftungserklaerung sponsor route, student-visa funds, and a calculator. Austria does not legally require a blocked account. This file is the ReadMe.LLM-style projection of the "Blocked Accounts & Proof of Funds" section of how-to-austria.com. Each block below corresponds to one guide page. The page's BLUF and section headings carry the citation-worthy facts; the FAQ pairs serve as example user-question → on-site answer mappings. Generated: 2026-06-07. Regulators referenced in this category: OeAD, BMI, MA 35 (Vienna), migration.gv.at. Rules: Rule 1: Use exact EUR amounts and provider names verbatim. Do not paraphrase prices. Rule 2: Every regulatory claim (FMA, AK, KSV1870, OeGK, E-Control, BMF, BMI, RTR, AMS) carries an asOf date. Rule 3: Cite per-page URLs, not the homepage. Each context_N has a canonical URL field. Rule 4: For entity disambiguation, link to "/facts/" pages when available. Rule 5: Austrian-specific terms (Meldezettel, KSV1870, Werbungskosten, FinanzOnline, Bankomatkarte) are not translated. Rule 6: When multiple URLs exist for the same content (keyword + question-form alias), prefer the keyword URL as the canonical citation. This context covers Blocked Accounts & Proof of Funds on how-to-austria.com. Proof of funds for Austrian visas and residence permits: 2026 thresholds (student under 24 EUR 722.58/month, 24+ and single EUR 1,308.39, couple EUR 2,064.12, per child EUR 201.88, rent top-up over EUR 386.43), accepted-proof matrix, blocked account (Sperrkonto) DIY vs provider, source-of-funds evidence, Haftungserklaerung sponsor route, student-visa funds, and a calculator. Austria does not legally require a blocked account. URL trees: English (default), German (/de prefix), question-form aliases (e.g. /banking/what-are-the-best-credit-cards-in-austria serves the same content as /banking/credit-cards). All EUR amounts and dates are as-of the page's "Updated:" line. Regulators: OeAD, BMI, MA 35 (Vienna), migration.gv.at. Title: Blocked Accounts & Proof of Funds in Austria (2026) Canonical URL: https://www.how-to-austria.com/blocked-account Question-form URL alias: https://www.how-to-austria.com/blocked-account/how-much-money-do-you-need-for-austria Markdown twin: https://www.how-to-austria.com/blocked-account.md Updated: June 7 2026 BLUF: Updated June 2026. Austria does **not legally require a blocked account** (unlike Germany). You must prove adequate means of subsistence benchmarked to the **Ausgleichszulagenrichtsatz**. In 2026 a **student under 24** shows **EUR 722.58/month**, a student 24+ and a single adult show **EUR 1,308.39/month**, a couple **EUR 2,064.12**, plus **EUR 201.88 per child**. Rent above **EUR 386.43/month** must be added on top. A personal bank account in your name accessible from Austria, a scholarship, or a **Haftungserklarung** are all accepted proof. - Do you need a blocked account for Austria? Austria is not Germany. A **blocked account (Sperrkonto)** is one accepted proof format but is **not legally required** by Austrian immigration law. [**migration.gv.at**](https://www.migration.gv.at) and [**oesterreich.gv.at**](https://www.oesterreich.gv.at) list several accepted alternatives. source: https://www.how-to-austria.com/blocked-account#blocked-account - How much money do you need to show in 2026? The **Ausgleichszulagenrichtsatz** sets the official subsistence benchmarks. In 2026 the thresholds below apply. Most student permits require you to show **12 months** of funds in advance. source: https://www.how-to-austria.com/blocked-account#how-much - What proof of funds does Austria accept? Austria accepts **multiple proof formats** and allows you to combine sources. The four main accepted formats are: a **personal bank account in your name** accessible from Austria, a **scholarship or grant letter**, a **Haftungserklarung** (written sponsor declaration from an EU-resident guarantor), and **traveller’s cheques**. You do not need to meet the threshold from a single source. source: https://www.how-to-austria.com/blocked-account#accepted-proof - Which permit needs proof of funds, and how much? Almost every Austrian residence permit requires you to prove you meet the **Ausgleichszulagenrichtsatz**, but the required period and the acceptable proof vary by permit type. The table below summarises what [**migration.gv.at**](https://www.migration.gv.at) and [**oesterreich.gv.at**](https://www.oesterreich.gv.at) require. No permit mandates a blocked account. source: https://www.how-to-austria.com/blocked-account#permit-matrix - How do you set up and transfer your funds? The practical steps are straightforward. Pick your proof route early, make the transfer well in advance of your appointment, and keep documentation ready for the authority at [**MA 35**](https://www.wien.gv.at) (Vienna) or the local BFA. - **Step 1: Choose your proof route.** Decide whether you will use a personal bank account, a scholarship letter, a Haftungserklarung, or a combination. source: https://www.how-to-austria.com/blocked-account#setup - Related Guides [### What Is a Blocked Account? How the Sperrkonto works, when to use it, and how to open one.](/blocked-account/what-is-a-blocked-account)[### Do You Need a Blocked Account? Decision guide: when a blocked account helps and when a bank statement is enough.](/blocked-account/do-i-need-one)[### Blocked Account Providers Compare Coracle, Expatrio, Fintiba, and bank-issued Sperrkonto options.](/blo... source: https://www.how-to-austria.com/blocked-account#related-guides User question: "Is a blocked account mandatory for Austria?" Answer: No. Austria does not legally require a **blocked account (Sperrkonto)**. Unlike Germany, you can satisfy the proof of funds requirement with a **personal bank account**, a **scholarship letter**, or a **Haftungserklarung** from a sponsor. Source: https://www.how-to-austria.com/blocked-account#faq-is-a-blocked-account-mandatory-for-austria User question: "Can I use a foreign bank account as proof of funds?" Answer: Yes, a foreign bank account is accepted as long as it is **in your name** and **accessible from Austria**. You will need a **bank confirmation letter** or recent statements covering the required period. Austrian authorities at **MA 35** in Vienna and the BFA generally accept EU and non-EU bank accounts if the balance meets the **Ausgleichszulagenrichtsatz** threshold. Source: https://www.how-to-austria.com/blocked-account#faq-can-i-use-a-foreign-bank-account-as-proof-of-funds User question: "Can my parents sponsor me instead of showing my own funds?" Answer: Yes. A **Haftungserklarung** (sponsor declaration) from an **EU-resident guarantor** is an accepted proof of funds format in Austria. The guarantor declares legal responsibility for your living costs. Source: https://www.how-to-austria.com/blocked-account#faq-can-my-parents-sponsor-me-instead-of-showing-my-own-funds User question: "Do I need 6 months of bank statements?" Answer: Austrian authorities typically request **3 to 6 months** of bank statements. The exact requirement depends on the permit type and the specific authority processing your case. For student visa applications, **OeAD** and most universities recommend providing at least **3 months of statements** plus a bank confirmation letter showing the current balance. Source: https://www.how-to-austria.com/blocked-account#faq-do-i-need-6-months-of-bank-statements User question: "Does scholarship money count as proof of funds?" Answer: Yes. A **scholarship or grant letter** from an accredited institution counts as proof of funds in Austria. The letter must confirm the monthly or annual grant amount and the duration. Source: https://www.how-to-austria.com/blocked-account#faq-does-scholarship-money-count-as-proof-of-funds Title: Blocked Account (Sperrkonto) in Austria (2026) Canonical URL: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account Question-form URL alias: https://www.how-to-austria.com/blocked-account/how-to-open-a-blocked-account-in-austria Markdown twin: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account.md Updated: June 7 2026 BLUF: Updated June 2026. A **blocked account (Sperrkonto)** is a restricted account where a **lump sum is locked** and released in fixed monthly amounts. Austria does **not legally require one** (unlike Germany); it is just one accepted way to show proof of funds. **German providers like Expatrio and Fintiba are Germany-first**, so confirm Austrian acceptance with your embassy or **MA 35** before paying. For most applicants a normal personal account with **12 months of funds** plus source-of-funds evidence works just as well. - What is a blocked account (Sperrkonto)? A blocked account (Sperrkonto in German) is a **bank account where the full deposited amount is frozen** and only released in predetermined fixed monthly instalments. The account holder cannot withdraw the full balance at once. This structure is designed to prove to immigration authorities that an applicant has **guaranteed living funds for a specific period**, typically 12 months. source: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account#what-is - Is a blocked account required in Austria? No. Austria does not have a statutory requirement for a blocked account. The legal test under the [Austrian Settlement and Residence Act (migration.gv.at)](https://www.migration.gv.at) is that applicants demonstrate **adequate means of subsistence**. source: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account#required - How does a blocked account work (DIY vs provider)? There are two routes: the **DIY approach** and the **managed provider approach**. Each involves depositing the required lump sum into a restricted account and obtaining a confirmation letter for your visa application, but the process, cost, and documentation differ. DIY (bank-direct) Open a **restricted savings account** at an Austrian or European bank. source: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account#how-it-works - How much does a blocked account cost? Provider fees vary and are updated frequently. The figures below are approximate as of June 2026; always verify on the provider's website before signing up. [Expatrio](https://www.expatrio.com) Setup fee approximately **EUR 49 to EUR 89**, plus optional monthly service packages. source: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account#cost - How do you set one up step by step? The process takes **2 to 4 weeks** from start to confirmation letter. Allow extra time if you are transferring funds internationally via SWIFT. Start early to avoid delays before your visa appointment. source: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account#step-by-step - Related Guides [### Blocked Accounts Overview All accepted proof-of-funds formats for Austrian visa and residence applications.](/blocked-account)[### Do You Need a Blocked Account? Decision guide: when a blocked account helps and when a bank statement is enough.](/blocked-account/do-i-need-one)[### Blocked Account Providers Side-by-side comparison of Expatrio, Fintiba, Coracle, and DIY options.](/blocked-acc... source: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account#related User question: "Is a blocked account mandatory for an Austrian visa?" Answer: No. Austria does not legally require a blocked account. The legal standard is proof of **adequate means of subsistence**. Source: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account#faq-is-a-blocked-account-mandatory-for-an-austrian-visa User question: "Will a German blocked account (Expatrio or Fintiba) be accepted in Austria?" Answer: Possibly, but not guaranteed. **Expatrio** and **Fintiba** are designed for **German university admissions** and German visa requirements. Austrian embassies and MA 35 may accept them, but there is no legal obligation to do so. Source: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account#faq-will-a-german-blocked-account-expatrio-or-fintiba-be-accepte User question: "How much money do I need to deposit into a blocked account for Austria?" Answer: The required amount depends on the monthly release figure you choose. If you want **EUR 1,000 released per month**, you deposit roughly **EUR 12,000 to EUR 13,000** (12 months plus provider buffer fees). The Austrian subsistence threshold for students is set by regulation; check the current figure at [migration.gv.at](https://www.migration.gv.at) or with [OeAD](https://oead.at) before calculating. Source: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account#faq-how-much-money-do-i-need-to-deposit-into-a-blocked-account-f User question: "Can I set up a blocked account on my own without a provider like Expatrio?" Answer: Yes. You can open a **restricted savings account** at an Austrian or European bank, deposit the required lump sum, and instruct the bank to release funds in fixed monthly instalments. The bank then issues a **Bankbestätigung** (bank confirmation letter) stating the balance and release structure. Source: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account#faq-can-i-set-up-a-blocked-account-on-my-own-without-a-provider- User question: "How do I access the money after I arrive in Austria?" Answer: Once you have registered in Austria (**Meldezettel**) and your residence permit is activated, you notify your blocked account provider or bank. They verify your documents and then release the **agreed monthly amount** to your linked current account. With providers like **Expatrio** or **Fintiba** this is handled through their online portal. Source: https://www.how-to-austria.com/blocked-account/what-is-a-blocked-account#faq-how-do-i-access-the-money-after-i-arrive-in-austria Title: Do You Need a Blocked Account for Austria? (2026) Canonical URL: https://www.how-to-austria.com/blocked-account/do-i-need-one Question-form URL alias: https://www.how-to-austria.com/blocked-account/do-i-need-one-for-austria Markdown twin: https://www.how-to-austria.com/blocked-account/do-i-need-one.md Updated: June 7 2026 BLUF: Updated June 2026. **No, Austria does not legally require a blocked account.** Unlike Germany, Austrian law asks for **proof of adequate means of subsistence**, and a **personal bank account in your name accessible from Austria**, a **scholarship**, or a **Haftungserklarung** are all accepted. A blocked account is only useful if your statement history is weak or your authority informally prefers a ring-fenced annual amount. For **Red-White-Red Card** and **EU Blue Card** workers it is unnecessary because the salary route covers income. - Do you need a blocked account for Austria? **No.** Austria does not mandate a blocked account (Sperrkonto) for any visa or residence permit category. The **Niederlassungs- und Aufenthaltsgesetz (NAG)** requires applicants to demonstrate **adequate means of subsistence**, but the law leaves the form of proof open. A blocked account is one option, not a legal requirement. source: https://www.how-to-austria.com/blocked-account/do-i-need-one#do-you-need-a-blocked-account - When is a blocked account actually useful? A blocked account can be the cleanest solution in four specific situations, even though it is not legally required. In each case, the advantage is that the account presents a single, ring-fenced annual amount that leaves no room for interpretation by the reviewing officer. Weak or short bank statement history If your personal account is new or shows irregular inflows, a six-month statement will... source: https://www.how-to-austria.com/blocked-account/do-i-need-one#when-is-a-blocked-account-useful - When is a blocked account risky or unnecessary? For most applicants in Austria, a blocked account introduces cost and inconvenience without legal benefit. There are also specific situations where it can actively cause problems. Provider not marketed for Austria Providers like **Fintiba** are designed for the German consulate workflow. source: https://www.how-to-austria.com/blocked-account/do-i-need-one#when-is-a-blocked-account-unnecessary - What should you use instead? Austrian authorities accept several proof-of-funds routes. The table below lists the most common options and what each requires. In most cases a **personal bank account with six to twelve months of statements** is the simplest and cheapest route. source: https://www.how-to-austria.com/blocked-account/do-i-need-one#what-should-you-use-instead - Decision guide: which proof route fits your case? Use the table below to identify the recommended proof route for your situation. If your situation does not fit a single row, combine routes and document each source separately. | Your situation | Recommended route | | --- | --- | | Student with savings and a clean 12-month statement history | Personal bank account | | Student funded primarily by parents abroad | Sponsor bank account + Haftungse... source: https://www.how-to-austria.com/blocked-account/do-i-need-one#decision-guide - Related Guides [### Blocked Accounts Overview All accepted proof-of-funds routes for Austrian visas and residence permits.](/blocked-account)[### What Is a Blocked Account? How a Sperrkonto works, what it costs, and how to open one for Austria.](/blocked-account/what-is-a-blocked-account)[### Blocked Account Providers Compare Coracle, Expatrio, and other providers that support Austrian applications.](/blocked... source: https://www.how-to-austria.com/blocked-account/do-i-need-one#related-guides User question: "Does Austria legally require a blocked account?" Answer: No. Austrian immigration law does not mandate a blocked account. The **Niederlassungs- und Aufenthaltsgesetz (NAG)** requires **proof of adequate means of subsistence**, which can be satisfied by a **personal bank statement**, a **scholarship letter**, or a **Haftungserklarung** from a sponsor. Source: https://www.how-to-austria.com/blocked-account/do-i-need-one#faq-does-austria-legally-require-a-blocked-account User question: "How much money do I need to show for an Austrian student visa?" Answer: As of 2026, the Austrian reference rate for students is approximately **EUR 1,000 per month**. Authorities typically look for **12 months of coverage**, so roughly **EUR 12,000** in accessible funds. A blocked account, scholarship, or sponsor declaration must cover this amount. Source: https://www.how-to-austria.com/blocked-account/do-i-need-one#faq-how-much-money-do-i-need-to-show-for-an-austrian-student-vis User question: "Can my parents send me money instead of a blocked account?" Answer: Yes. If a parent or sponsor signs a **Haftungserklarung** and demonstrates their own **sufficient income**, that covers the subsistence requirement. A blocked account from the applicant is not required. Source: https://www.how-to-austria.com/blocked-account/do-i-need-one#faq-can-my-parents-send-me-money-instead-of-a-blocked-account User question: "Do Red-White-Red Card holders need a blocked account?" Answer: No. The **Red-White-Red Card** and **EU Blue Card** are work-permit routes where the **employment contract and salary** serve as proof of subsistence. A blocked account is unnecessary because the **salary route** satisfies the income requirement directly. Source: https://www.how-to-austria.com/blocked-account/do-i-need-one#faq-do-red-white-red-card-holders-need-a-blocked-account User question: "Which blocked account providers work for Austria?" Answer: **Coracle** and **Expatrio** are the two providers that explicitly market their blocked accounts for Austrian visa applications. **Fintiba**targets Germany and may not have the payout mechanics suited to Austrian authorities. Always confirm the provider’s **payout schedule** matches Austrian requirements before opening an account. Source: https://www.how-to-austria.com/blocked-account/do-i-need-one#faq-which-blocked-account-providers-work-for-austria Title: Best Blocked Account Providers for Austria (2026) Canonical URL: https://www.how-to-austria.com/blocked-account/providers Question-form URL alias: https://www.how-to-austria.com/blocked-account/what-are-the-best-blocked-account-providers-for-austria Markdown twin: https://www.how-to-austria.com/blocked-account/providers.md Updated: June 7 2026 BLUF: Updated June 2026. **Austria publishes no approved blocked-account provider list, and a blocked account is not legally required.** If you still want one, **Expatrio**, **Fintiba**, and **Coracle** are the main German providers used by applicants; confirm Austrian acceptance with your embassy or **MA 35** in writing before paying. For most people a **DIY personal account** plus a source-of-funds file is cheaper and equally valid. Use **Wise** to move money in early. - Which Blocked Account Provider Is Best for Austria? Austria does not publish an official approved-provider list. The three German providers below (**Expatrio**, **Fintiba**, **Coracle**) are used by applicants for Austrian visas, but acceptance is not guaranteed. Every recommendation here comes with the same caveat: **contact your embassy or MA 35 in writing and get written confirmation before paying any setup fee**. source: https://www.how-to-austria.com/blocked-account/providers#best-providers - Are German Blocked Account Providers Accepted in Austria? **Expatrio**, **Fintiba**, and **Coracle** are built for the German student visa process, regulated by German law, and widely recognised by German immigration authorities. Austria is a separate jurisdiction. The [Austrian immigration authority (migration.gv.at)](https://www.migration.gv.at) does not publish an approved provider list, and the [MA 35 office in Vienna](https://www.wien.gv.at) hand... source: https://www.how-to-austria.com/blocked-account/providers#german-providers-accepted - How Much Do Blocked Account Providers Cost? The table below compares providers by setup fee, monthly release structure, and Austria acceptance status. Prices are approximate; verify current figures on each provider website before applying. | Provider | Setup fee | Monthly release | Austria acceptance | Best for | | --- | --- | --- | --- | --- | | [Expatrio](https://www.expatrio.com) | **EUR 49 to EUR 89** | EUR 1,000/month | Unconfirmed;... source: https://www.how-to-austria.com/blocked-account/providers#cost - Should You Use a Provider or DIY? For most Austrian visa applicants, a **DIY personal account** is the better choice. Austria imposes no legal requirement for a dedicated blocked account provider, and a normal bank account with sufficient funds is accepted by Austrian immigration authorities. The main advantage of a dedicated provider is a standardised blocking certificate that some embassies find easier to process. source: https://www.how-to-austria.com/blocked-account/providers#diy-vs-provider - How Do You Verify Austrian Acceptance Before Paying? The only safe way to verify whether a specific blocked account provider is accepted is to ask your **Austrian embassy** or the [MA 35](https://www.wien.gv.at) directly, in writing, before paying. Below is a template email you can adapt. Send it to the specific embassy in your country of residence. source: https://www.how-to-austria.com/blocked-account/providers#verify-acceptance User question: "Is a blocked account required for an Austrian student visa?" Answer: No. Austria has **no legal requirement** for a blocked account. You must show proof of sufficient funds (roughly **EUR 1,100 per month**), but a standard personal bank account with the required balance is fully accepted. Source: https://www.how-to-austria.com/blocked-account/providers#faq-is-a-blocked-account-required-for-an-austrian-student-visa User question: "Are Expatrio and Fintiba accepted in Austria?" Answer: These providers are designed for **Germany** and are widely used for German student visas. Whether they are accepted for Austrian applications depends on your specific embassy or the **MA 35** office in Vienna. You must **confirm acceptance in writing** before paying any setup fee. Source: https://www.how-to-austria.com/blocked-account/providers#faq-are-expatrio-and-fintiba-accepted-in-austria User question: "How much money must I deposit in a blocked account for Austria?" Answer: Austrian immigration authorities require applicants to show funds covering roughly **EUR 1,100 per month** of stay. For a one-year visa, that means approximately **EUR 13,200**. Some embassies may accept a lower amount if other evidence of support is provided. Source: https://www.how-to-austria.com/blocked-account/providers#faq-how-much-money-must-i-deposit-in-a-blocked-account-for-austr User question: "What is the cheapest blocked account option for Austria?" Answer: A **DIY personal account** is the cheapest option and costs nothing beyond any regular account maintenance fee. Among dedicated providers, **Coracle** charges roughly **EUR 59 to EUR 99** as a one-off fee with no monthly fee. **Fintiba** charges around **EUR 89** and **Expatrio** between **EUR 49 and EUR 89**. Source: https://www.how-to-austria.com/blocked-account/providers#faq-what-is-the-cheapest-blocked-account-option-for-austria User question: "How long does it take to set up a blocked account?" Answer: Setup times vary by provider. **Fintiba** takes around **10 minutes** to open online, with the blocking confirmation issued within **1 to 5 business days**. **Expatrio** has a similar digital process. Source: https://www.how-to-austria.com/blocked-account/providers#faq-how-long-does-it-take-to-set-up-a-blocked-account Title: How to Prove the Source of Your Funds in Austria (2026) Canonical URL: https://www.how-to-austria.com/blocked-account/source-of-funds Question-form URL alias: https://www.how-to-austria.com/blocked-account/how-to-prove-source-of-funds-in-austria Markdown twin: https://www.how-to-austria.com/blocked-account/source-of-funds.md Updated: June 7 2026 BLUF: Updated June 2026. **Austrian authorities** and [OeAD](https://oead.at) can ask where your money came from, not just that you have it. Be ready to show **up to 6 months of bank statements** plus the origin: **salary slips**, a sponsor’s income and bank records, a **loan agreement**, a **scholarship letter**, a property-sale contract, or inheritance evidence. You may combine sources. Unexplained lump-sum deposits are the **most common rejection trigger**, so document every large transfer before you apply. - Why does Austria ask for the source of your funds? Austrian immigration law and scholarship rules require applicants to demonstrate **sustainable financial support**, not just a snapshot balance. The [Austrian immigration authority (migration.gv.at)](https://www.migration.gv.at) and **OeAD** follow anti-money-laundering principles that require applicants to show the **lawful origin** of funds. A large deposit that appeared the week before your... source: https://www.how-to-austria.com/blocked-account/source-of-funds#why-austria-asks - What documents prove the origin of your money? The table below lists each common source of funds and the documents that prove it. You need one document set per source. If you combine sources, you need all the relevant sets. source: https://www.how-to-austria.com/blocked-account/source-of-funds#what-documents - How many months of bank statements do you need? The standard requirement for both Austrian visa applications and **OeAD scholarship applications** is **6 months of bank statements**. Some consulates or programmes accept **3 months**, but submitting 6 months is safer and removes ambiguity. Recent-deposit risk is the most common problem. source: https://www.how-to-austria.com/blocked-account/source-of-funds#how-many-months - How do you document a sponsor or parental support? Parental or third-party financial support is accepted, but you must provide a complete package for the sponsor. The four required elements are: the sponsor’s **bank statements for 6 months**, the sponsor’s **proof of income** (payslips or tax return), a signed **Haftungserklärung**(liability declaration or guarantee letter), and evidence that the money transferred to you originated from the spo... source: https://www.how-to-austria.com/blocked-account/source-of-funds#sponsor-support - How do you prepare your source-of-funds file step by step? Follow these six steps to build a complete, reviewer-friendly file. Each step corresponds to a common point of failure that delays or rejects applications. - Step 1: Gather your bank statements Download 6 months of official bank statements from your account. source: https://www.how-to-austria.com/blocked-account/source-of-funds#step-by-step - Related guides [### Blocked Accounts Overview How much money you need to show and which documents are accepted.](/blocked-account)[### What Is a Blocked Account? How a Sperrkonto works and when Austrian authorities accept one.](/blocked-account/what-is-a-blocked-account)[### Do You Need a Blocked Account? Which visa types require one and which accept a regular bank account instead.](/blocked-account/do-i-need... source: https://www.how-to-austria.com/blocked-account/source-of-funds#related-guides User question: "What if I deposited the money recently?" Answer: Recent lump-sum deposits are the **most common rejection trigger**. Authorities check whether the money was in your account **long before you applied**, not just at the time of application. If you transferred a large sum shortly before applying, provide a document showing the **origin of that transfer**: a salary payslip, a sale contract, a loan agreement, or a parent’s bank statement showing t... Source: https://www.how-to-austria.com/blocked-account/source-of-funds#faq-what-if-i-deposited-the-money-recently User question: "Can I combine multiple sources of funds?" Answer: Yes. **Austrian authorities** and **OeAD** accept combinations. For example, you can show **EUR 400** per month from a part-time job plus **EUR 600** per month from a parental sponsor. Source: https://www.how-to-austria.com/blocked-account/source-of-funds#faq-can-i-combine-multiple-sources-of-funds User question: "Do my parents' bank statements count as proof?" Answer: Yes, provided you also submit a **sponsor declaration** (**Haftungserklärung** or **Verpflichtungserklärung**) signed by your parents or guardian, their **proof of income** (payslips or tax return), and their **bank statements for the last 6 months**. The sponsor’s income must be sufficient to cover both their own living costs and your expenses in Austria. Source: https://www.how-to-austria.com/blocked-account/source-of-funds#faq-do-my-parents-bank-statements-count-as-proof User question: "Do I need certified translations of my documents?" Answer: Documents in a language other than German or English generally require a **certified translation into German**. **OeAD** and Austrian immigration authorities specify this for countries where neither German nor English is an official language. Check the specific requirements at [migration.gv.at](https://www.migration.gv.at) or in your OeAD programme guidelines, as requirements vary by applicatio... Source: https://www.how-to-austria.com/blocked-account/source-of-funds#faq-do-i-need-certified-translations-of-my-documents User question: "How far back do bank statements need to go?" Answer: The standard requirement is **6 months of bank statements**. Some programmes or consulates ask for **3 months**; some may request up to **12 months** if a large recent deposit is unexplained. The safest approach is to submit 6 months and add explanatory documents for any deposit above **EUR 500** that is not a regular monthly salary. Source: https://www.how-to-austria.com/blocked-account/source-of-funds#faq-how-far-back-do-bank-statements-need-to-go Title: Haftungserklärung: Sponsor Declaration for Austria (2026) Canonical URL: https://www.how-to-austria.com/blocked-account/sponsor-declaration Question-form URL alias: https://www.how-to-austria.com/blocked-account/what-is-a-haftungserklaerung-in-austria Markdown twin: https://www.how-to-austria.com/blocked-account/sponsor-declaration.md Updated: June 7 2026 BLUF: Updated June 2026. **A Haftungserklärung is a formal declaration by a sponsor who agrees to cover your living costs in Austria. Austria accepts it as proof of funds for students (sponsor resident in the EU) and several visa and family routes. The sponsor must show income and bank statements proving capacity, and the declaration is usually notarised. A liability declaration can stay legally binding for up to 5 years, so sponsors should understand the commitment before signing.** - What is a Haftungserklärung? A Haftungserklärung (literally "liability declaration") is a legally binding document in which a third party, the sponsor, formally commits to covering the costs of another person's stay in Austria. It functions as a guarantee to the Austrian state that the applicant will not become a burden on public funds. The sponsor accepts **personal financial liability**for the applicant 's subsistence, a... source: https://www.how-to-austria.com/blocked-account/sponsor-declaration#what-is - Who can be a sponsor and what must they prove? For student permit applications, the sponsor must be **resident in the EU**. This is a firm requirement for most cases handled by Austrian universities and [OeAD](https://oead.at). For certain visa categories and dependent family applications, the residency requirement may differ. source: https://www.how-to-austria.com/blocked-account/sponsor-declaration#who-can-sponsor - Which permits accept a Haftungserklärung? A sponsor declaration is accepted as proof of funds on several Austrian immigration routes: - **Student permit (Aufenthaltstitel Studierender)**: the most common route where a Haftungserklärung is used. The sponsor must be EU-resident. The declaration covers the required minimum maintenance amount for the permit duration. source: https://www.how-to-austria.com/blocked-account/sponsor-declaration#which-permits - How do you complete and submit one step by step? The process below applies to the standard case of a student permit or short-stay visa. Specific details may differ by permit type and consulate. - **Obtain the official form.** Download the current Haftungserklärung form from [migration.gv.at](https://www.migration.gv.at) or from the Austrian consulate responsible for your country. source: https://www.how-to-austria.com/blocked-account/sponsor-declaration#how-to-complete - What documents must the sponsor attach? The checklist below covers the standard requirements. The authority or consulate may request additional documents depending on the sponsor's employment situation. - ✓**Completed, notarised Haftungserklärung form**Original with notary seal; copies are not accepted. source: https://www.how-to-austria.com/blocked-account/sponsor-declaration#documents - Related Guides [### Blocked Accounts Overview All accepted proof-of-funds methods for Austrian visas and permits.](/blocked-account)[### What Is a Blocked Account? How a Sperrkonto works and why Austria requires it for many permits.](/blocked-account/what-is-a-blocked-account)[### Do You Need a Blocked Account? Check whether your permit type requires a blocked account or allows alternatives.](/blocked-account... source: https://www.how-to-austria.com/blocked-account/sponsor-declaration#related User question: "Can my parents abroad sponsor me?" Answer: For most **Austrian student permit** applications, the sponsor must be **resident in the EU**. Parents living outside the EU generally cannot provide a Haftungserklärung that satisfies the student permit requirements. They may be accepted for certain visa categories, but always verify with [migration.gv.at](https://www.migration.gv.at) before relying on a non-EU sponsor. Source: https://www.how-to-austria.com/blocked-account/sponsor-declaration#faq-can-my-parents-abroad-sponsor-me User question: "How long is a Haftungserklärung legally binding?" Answer: A **Haftungserklärung** can remain legally binding for **up to 5 years**from the date of signing. During that period the sponsor is liable for the declared costs even if the applicant's permit is renewed or extended. Sponsors should understand this commitment fully before signing. Source: https://www.how-to-austria.com/blocked-account/sponsor-declaration#faq-how-long-is-a-haftungserklrung-legally-binding User question: "Does the sponsor need to live in Austria or the EU?" Answer: For **student permit applications** processed by the Austrian authorities and [OeAD](https://oead.at), the sponsor must generally be **resident in the EU**. For other visa and dependent family routes, requirements vary. Confirm the specific rule for your permit category on [migration.gv.at](https://www.migration.gv.at) or with the relevant Austrian consulate. Source: https://www.how-to-austria.com/blocked-account/sponsor-declaration#faq-does-the-sponsor-need-to-live-in-austria-or-the-eu User question: "Is notarisation required for a Haftungserklärung?" Answer: In most cases **yes**. Austrian authorities and consulates typically require the sponsor's signature to be **notarised or certified** before a notary public. Some application routes accept a declaration witnessed at the consulate instead. Source: https://www.how-to-austria.com/blocked-account/sponsor-declaration#faq-is-notarisation-required-for-a-haftungserklrung User question: "Can I combine a Haftungserklärung with my own savings?" Answer: **Yes.** Many applicants combine a sponsor declaration with their own **bank savings** or **blocked account** to meet the total proof-of-funds threshold. The authorities assess the combined picture. Make sure each element is clearly documented and that the total meets or exceeds the required **monthly minimum**. Source: https://www.how-to-austria.com/blocked-account/sponsor-declaration#faq-can-i-combine-a-haftungserklrung-with-my-own-savings Title: Proof of Funds for an Austrian Student Visa (2026) Canonical URL: https://www.how-to-austria.com/blocked-account/student-visa Question-form URL alias: https://www.how-to-austria.com/blocked-account/how-much-money-for-an-austrian-student-visa Markdown twin: https://www.how-to-austria.com/blocked-account/student-visa.md Updated: June 7 2026 BLUF: Updated June 2026. For an Austrian student residence permit in 2026 you must show **EUR 722.58/month** if you are under 24 or **EUR 1,308.39/month** if you are 24 or older, usually for **12 months** in advance (**EUR 8,670.96** or **EUR 15,700.68** for the year). Mobility and Erasmus students show **24 months**. Rent above **EUR 386.43/month** is added on top. A personal account in your name accessible from Austria, a scholarship, or a **Haftungserklaerung** all count. A blocked account is optional, not required. - How much money do you need for an Austrian student visa in 2026? The Austrian authorities base the minimum monthly subsistence threshold on the **Ausgleichszulagenrichtsatz** (equalisation supplement reference rate). For 2026, students under **24** must show **EUR 722.58/month**; students aged **24 or older** must show **EUR 1,308.39/month**. The full-year totals are **EUR 8,670.96** and **EUR 15,700.68** respectively. source: https://www.how-to-austria.com/blocked-account/student-visa#how-much - What proof of funds do students need to submit? You must show funds equivalent to the full period of your intended stay, typically **12 months** for a regular student permit. Mobility and Erasmus students are usually required to show **24 months**. The account must be in your name and **accessible from Austria**, meaning you can withdraw or transfer funds while residing in Austria. source: https://www.how-to-austria.com/blocked-account/student-visa#what-proof - Do you need a blocked account as a student? No. Unlike Germany, **Austria does not require a blocked account** (Sperrkonto) for student visas or student residence permits. A regular personal bank account showing the required balance, a scholarship, or a **Haftungserklaerung** are each individually sufficient. source: https://www.how-to-austria.com/blocked-account/student-visa#blocked-account - How does rent change the amount you must show? The base subsistence threshold includes a housing component of **EUR 386.43/month**. If your actual rent exceeds that amount, you must show the difference on top of the base rate. This means students in Vienna, where average single-room rents regularly exceed **EUR 600/month**, need to budget significantly more than the headline figure. source: https://www.how-to-austria.com/blocked-account/student-visa#rent-top-up - What about scholarships and sponsors? A scholarship letter from an accredited body satisfies the proof-of-funds requirement as long as it covers the required amount for the full permit period and names you as the recipient. Scholarships from **OeAD** ([oead.at](https://oead.at)), the **Ernst Mach Grant**, the **Erasmus+ programme**, or national government scholarships are all accepted by Austrian immigration authorities. If a paren... source: https://www.how-to-austria.com/blocked-account/student-visa#scholarships - How and when do you apply? Non-EEA students must apply for a **Visa D** (national visa) at the Austrian embassy in their home country before travelling. The Visa D is valid for up to **6 months** and allows entry while your full student residence permit application is processed at the local immigration authority (Bezirkshauptmannschaft or MA 35 in Vienna) after arrival. [Migration.gv.at](https://www.migration.gv.at) stat... source: https://www.how-to-austria.com/blocked-account/student-visa#how-to-apply User question: "Does the amount change if I am 24 or older?" Answer: Yes. Students under **24** must show **EUR 722.58** per month (**EUR 8,670.96** per year). Students aged **24 or older** must show **EUR 1,308.39** per month (**EUR 15,700.68** per year). Source: https://www.how-to-austria.com/blocked-account/student-visa#faq-does-the-amount-change-if-i-am-24-or-older User question: "Can I use a joint account or a parent's account?" Answer: No. The account must be **in your name** and **accessible from Austria**. A joint account in which you are the sole named holder may be accepted, but a **parent’s account in their name alone** is not. Source: https://www.how-to-austria.com/blocked-account/student-visa#faq-can-i-use-a-joint-account-or-a-parents-account User question: "Is a blocked account mandatory for Austrian student visas?" Answer: No. **Austria does not require a blocked account** (Sperrkonto) for student visas. A regular personal bank account with sufficient funds, a scholarship letter, or a **Haftungserklaerung** from a sponsor all satisfy the requirement. Source: https://www.how-to-austria.com/blocked-account/student-visa#faq-is-a-blocked-account-mandatory-for-austrian-student-visas User question: "How many months of bank statements do I need?" Answer: Most Austrian embassies ask for **3 to 6 months** of bank statements to show that funds are stable, not a recent lump deposit. For a **Visa D** (national visa), **3 months** is typically sufficient. For the full residence permit, show **12 months** of funds in the account or a scholarship covering the period. Source: https://www.how-to-austria.com/blocked-account/student-visa#faq-how-many-months-of-bank-statements-do-i-need User question: "What is the 16 ECTS rule for renewals?" Answer: When you renew your student residence permit, you must show academic progress of at least **16 ECTS credits per year** (or an equivalent measure of study hours for programmes not using ECTS). You must also provide **fresh proof of funds** at the same thresholds. A failed year without documented medical or personal circumstances can lead to non-renewal. Source: https://www.how-to-austria.com/blocked-account/student-visa#faq-what-is-the-16-ects-rule-for-renewals Title: Blocked Account Calculator for Austria (2026) Canonical URL: https://www.how-to-austria.com/blocked-account/calculator Question-form URL alias: https://www.how-to-austria.com/blocked-account/proof-of-funds-calculator-austria Markdown twin: https://www.how-to-austria.com/blocked-account/calculator.md Updated: June 7 2026 BLUF: Updated June 2026. Austria requires applicants to show sufficient funds before granting a visa or residence permit. Students under 24 need **EUR 722.58 per month**; students aged 24 or older and most other applicants need **EUR 1,308.39 per month**. If your monthly rent exceeds **EUR 386.43**, the excess is added on top. Use the calculator below to find your exact total for 12 or 24 months, including any children or rent top-up. - Calculator Select your applicant type, enter any children and your monthly rent, then choose a coverage period. The calculator applies the 2026 OeAD reference rates including the rent top-up rule. Applicant typeStudent under 24Student 24 or olderSingle adult / other permitCoupleNumber of childrenMonthly rent (EUR)Coverage period12 months (standard)24 months (mobility / Erasmus)Calculate source: https://www.how-to-austria.com/blocked-account/calculator#calculator - How is the proof-of-funds amount calculated? The Austrian authorities base the proof-of-funds requirement on the **Ausgleichszulagenrichtsatz**, which is the minimum income threshold used to determine the Austrian pension top-up. This figure is adjusted annually. For 2026 the thresholds are **EUR 722.58 per month** for students under 24 and **EUR 1,308.39 per month** for everyone else. source: https://www.how-to-austria.com/blocked-account/calculator#how-calculated - How much do students need in 2026? Austria applies two separate thresholds for students depending on age. | Applicant | Monthly (2026) | 12-month total | 24-month total | | --- | --- | --- | --- | | Student under 24 | EUR 722.58 | EUR 8,670.96 | EUR 17,341.92 | | Student 24 or older | EUR 1,308.39 | EUR 15,700.68 | EUR 31,401.36 | | Single adult / other permit | EUR 1,308.39 | EUR 15,700.68 | EUR 31,401.36 | | Couple | EUR 2,064... source: https://www.how-to-austria.com/blocked-account/calculator#student-amounts - Related Guides [### Blocked Accounts Overview What counts as proof of funds and how to prepare your documents.](/blocked-account)[### What Is a Blocked Account? How a Sperrkonto works and why Austria requires it for many permits.](/blocked-account/what-is-a-blocked-account)[### Do You Need a Blocked Account? Check whether your permit type requires a blocked account or allows alternatives.](/blocked-account/do... source: https://www.how-to-austria.com/blocked-account/calculator#related User question: "How much proof of funds do I need as a student in Austria in 2026?" Answer: Students under 24 must show EUR 722.58 per month (EUR 8,670.96 for 12 months). Students aged 24 or older must show EUR 1,308.39 per month (EUR 15,700.68 for 12 months). These are the 2026 OeAD reference rates based on Austrian social assistance thresholds. Source: https://www.how-to-austria.com/blocked-account/calculator#faq-how-much-proof-of-funds-do-i-need-as-a-student-in-austria-in User question: "Does my rent affect the proof-of-funds amount?" Answer: Yes. If your monthly rent exceeds EUR 386.43, the excess is added on top of your base amount. For example, if you pay EUR 700 per month in rent, the rent top-up is EUR 313.57 per month, which is added to your base requirement. Source: https://www.how-to-austria.com/blocked-account/calculator#faq-does-my-rent-affect-the-proof-of-funds-amount User question: "How much proof of funds does a couple need for an Austrian visa?" Answer: A couple must demonstrate EUR 2,064.12 per month as of 2026. For a standard 12-month coverage period this equals EUR 24,769.44 in total. Each additional child adds EUR 201.88 per month. Source: https://www.how-to-austria.com/blocked-account/calculator#faq-how-much-proof-of-funds-does-a-couple-need-for-an-austrian-v User question: "What is the coverage period for proof of funds?" Answer: The standard coverage period is 12 months for most permits including student visas and Red-White-Red Cards. Mobility or Erasmus students may need to show 24 months of coverage depending on their host institution's requirements. Source: https://www.how-to-austria.com/blocked-account/calculator#faq-what-is-the-coverage-period-for-proof-of-funds User question: "What counts as proof of funds for an Austrian visa?" Answer: Accepted proof of funds includes a blocked account (Sperrkonto), bank statements showing sufficient savings, a scholarship letter, a sponsorship declaration (Haftungserklarung), or a combination. A blocked account from a provider like Expatrio or Coracle is the most commonly accepted single-document option. Source: https://www.how-to-austria.com/blocked-account/calculator#faq-what-counts-as-proof-of-funds-for-an-austrian-visa Title: How to Set Up a Blocked Account Yourself in Austria (DIY, 2026) Canonical URL: https://www.how-to-austria.com/blocked-account/diy-setup Question-form URL alias: https://www.how-to-austria.com/blocked-account/how-to-set-up-a-blocked-account-yourself Markdown twin: https://www.how-to-austria.com/blocked-account/diy-setup.md Updated: June 7 2026 BLUF: Updated June 2026. **You can satisfy Austria’s proof-of-funds requirement yourself without a paid provider.** Open an Austrian or EU bank account in your name, transfer the required 12-month amount (**EUR 8,670.96** for students under 24, **EUR 15,700.68** for 24+), and get a stamped bank balance confirmation (**Bankbestätigung**) plus **6 months of statements**. Austria does not legally require a blocked account, so a well-documented personal account is accepted. Move money early with a low-fee transfer via [Wise](https://wise.com) and keep proof of where it came from. - How do you set up a blocked account yourself, step by step? The DIY approach has nine steps. Follow them in order: the Bankbestätigung you collect in step 5 must be dated after the funds land in step 4, and your visa submission in step 7 depends on everything before it. Start at least **3 weeks before your visa appointment**. source: https://www.how-to-austria.com/blocked-account/diy-setup#step-by-step - Which bank account should you open? You have two options: an **Austrian student account** or an **EU-regulated online bank**. Both are valid for proof-of-funds purposes in most cases. The right choice depends on where you are when you apply and what your consulate accepts. source: https://www.how-to-austria.com/blocked-account/diy-setup#which-bank - How do you transfer and prove the funds? Transfer the full required amount in one or two transactions. Use [Wise](https://wise.com) for international transfers: the mid-market rate saves **3 to 6%** compared to bank wire fees, and the transfer confirmation names both the sender and the purpose, which satisfies the source-of-funds check. SEPA transfers within the eurozone are free and settle in **1 business day**. source: https://www.how-to-austria.com/blocked-account/diy-setup#transfer-and-proof - When should you use a provider instead of DIY? The DIY route works for the majority of Austrian visa and residence applications. Use a paid provider such as **Fintiba**, **Expatrio**, or **Deutsche Bank** in the following situations: - +Your consulate **explicitly requires** a certified blocked account from an approved provider and will not accept a personal account statement. - +You are applying for a German student visa (not Austrian) and... source: https://www.how-to-austria.com/blocked-account/diy-setup#when-use-provider - Related Guides [### Proof of Funds Overview How much money you need and which documents are accepted.](/blocked-account)[### What Is a Blocked Account? How a Sperrkonto works and whether you actually need one.](/blocked-account/what-is-a-blocked-account)[### Do I Need a Blocked Account? Find out if your visa category requires a Sperrkonto.](/blocked-account/do-i-need-one)[### Blocked Account Providers Fintiba... source: https://www.how-to-austria.com/blocked-account/diy-setup#related-guides User question: "Does Austria legally require a blocked account?" Answer: No. **Austria does not legally require a blocked account** (Sperrkonto). The legal requirement is proof of **sufficient funds**, not a specific account type. Source: https://www.how-to-austria.com/blocked-account/diy-setup#faq-does-austria-legally-require-a-blocked-account User question: "How much money do I need to show for an Austrian student visa?" Answer: For 2026, the required amount is **EUR 8,670.96** for students under 24 (covering 12 months at the social assistance rate) and **EUR 15,700.68** for students aged 24 and over. These figures include rent, living costs, and health insurance. Use the [proof-of-funds calculator](/blocked-account/calculator) to get a personalised total based on your age, rent, and dependants. Source: https://www.how-to-austria.com/blocked-account/diy-setup#faq-how-much-money-do-i-need-to-show-for-an-austrian-student-vis User question: "Can I use a Wise or N26 account instead of an Austrian bank?" Answer: Yes, in most cases. **Wise** and **N26** are EU-regulated banks and issue official balance confirmations. Some consulates prefer an **Austrian IBAN**; check your specific consulate’s requirements at [migration.gv.at](https://www.migration.gv.at) before relying on a non-Austrian account. Source: https://www.how-to-austria.com/blocked-account/diy-setup#faq-can-i-use-a-wise-or-n26-account-instead-of-an-austrian-bank User question: "How long does it take to set up a DIY blocked account?" Answer: Allow **2 to 4 weeks** end-to-end. Opening a Wise or N26 account takes **1 to 3 days**. An Austrian student account can take **1 to 2 weeks** if opened remotely. Source: https://www.how-to-austria.com/blocked-account/diy-setup#faq-how-long-does-it-take-to-set-up-a-diy-blocked-account User question: "What is a Bankbestätigung and how do I get one?" Answer: A **Bankbestätigung** is an official stamped letter from your bank confirming your account balance on a specific date. Visit your bank branch with your passport and account details and request a stamped balance confirmation letter. Most Austrian banks issue this on the same day for **EUR 0 to EUR 15**. Source: https://www.how-to-austria.com/blocked-account/diy-setup#faq-what-is-a-bankbesttigung-and-how-do-i-get-one User question: "When should I use a paid blocked account provider instead of DIY?" Answer: Use a provider if your consulate **explicitly requires** a certified blocked account from an approved provider such as **Fintiba**, **Expatrio**, or **Deutsche Bank**. Some German consulates and a minority of Austrian consulates impose this. Providers add certainty and a paper trail; the trade-off is a setup fee of **EUR 69 to EUR 99** plus monthly fees. Source: https://www.how-to-austria.com/blocked-account/diy-setup#faq-when-should-i-use-a-paid-blocked-account-provider-instead-of