Temporary Bank Account for Medical Bills in Germany – Guide for Non-EU Patients
International patients often face challenges paying medical bills in Germany. A Zweckkonto (temporary account) is a secure solution.
What is it? A German bank account opened for a specific purpose – covering hospital or clinic bills. Funds are restricted to medical use.
When is it required?
Private treatment without insurance coverage
High costs requiring advance payment
Clinics demanding local financial guarantee
As proof for medical visa (§14 AufenthV)
How to open?
Official request by hospital/mediator
Provide passport, invitation letter, cost estimate
Account via Sparkasse, Deutsche Bank, or hospital internal system
Transfer funds in euros
Restricted use, surplus refunded after treatment
Benefits
Visa application proof
Financial security for both sides
Avoid carrying cash
Legal refund of unused funds
Opening from abroad Possible remotely: patient receives contract, IBAN/BIC, refund conditions.
Legal notes
Account usually in hospital’s name, linked to patient
Small admin fees may apply
Keep all documents for tax transparency
Alternative: Escrow Account (Treuhandkonto) For long or complex treatments, funds managed by lawyer or licensed mediator.
