studienkollegBank Account in Germany for Students: Complete Guide 2026
How to open a German bank account as an international student. Compare N26, DKB, Commerzbank, Sparkasse. Sperrkonto, required documents, and fees explained.
Complete guide to all Studienkolleg course types. Compare T-Kurs, W-Kurs, M-Kurs, G-Kurs, and S-Kurs subjects, exams, and which university programs each qualifies you for.
The 5 Schwerpunktkurse (core courses) at a Studienkolleg determine which subjects you study for one year and which university programs you can enter after passing the Feststellungspruefung. Choose the wrong course and you will not be eligible for your desired degree. Choose the right one and you walk into your first university semester with a solid academic foundation, the German language skills to keep up, and the subject knowledge to succeed. This guide explains every course type — T, W, M, G, and S — along with the Fachhochschule variants TI, WW, GD, and SW, so you can make the best decision for your future.
When international students do not hold a school-leaving certificate recognized as equivalent to the German Abitur, they must attend a Studienkolleg before enrolling at a German university. The Studienkolleg is a one-year preparatory program (two semesters) that bridges the gap between your home country’s education and German university requirements.
At the core of this system are the Schwerpunktkurse — specialized tracks that prepare you for a specific group of university programs. The course you are assigned to depends on the degree you plan to study at university. You do not pick courses the way you would at a university; instead, you are placed into one track and follow its fixed curriculum for the entire year.
Each Schwerpunktkurs ends with the Feststellungspruefung (FSP) — the final assessment exam. Passing the FSP in a specific course gives you the fachgebundene Hochschulzugangsberechtigung, which means you are qualified to study programs within that course’s subject area at any German university.
There is an important distinction between two types of Studienkollegs:
This makes the university Studienkolleg the more flexible option, but FH Studienkollegs often have a more practical, application-oriented approach that some students prefer.
The T-Kurs (Technischer Kurs) is designed for students who want to study STEM subjects — Science, Technology, Engineering, and Mathematics — at a German university. It is the most popular Schwerpunktkurs and is offered at nearly every Studienkolleg in Germany.
| Subject | Weekly Hours (approx.) | Topics Covered |
|---|---|---|
| Mathematics (advanced) | 8—10 | Differential and integral calculus, vector calculus, analytical geometry, complex numbers, linear algebra |
| Physics | 6—8 | Mechanics, electricity and magnetism, optics, thermodynamics, atomic physics |
| Chemistry | 4—6 | General and inorganic chemistry, organic chemistry, physical chemistry |
| German (DaF) | 6—8 | Scientific writing, technical vocabulary, presentation techniques, text comprehension |
| Computer Science | 2—4 | Programming basics, algorithms, data structures |
Total weekly hours range from 30 to 34 teaching hours (each 45 minutes).
The FSP for the T-Kurs consists of:
Each written exam lasts 3—4 hours. You need a passing grade (at least 4.0 on the German grading scale, where 1.0 is best) in each subject.
Passing the T-Kurs FSP qualifies you for:
The T-Kurs is right for you if you enjoyed mathematics and science in high school, want to study any engineering or natural science discipline, and are comfortable with a heavy workload in quantitative subjects. You should have a strong foundation in high school mathematics (at minimum through basic calculus and algebra) to keep up with the advanced pace.
The W-Kurs (Wirtschaftskurs) prepares students for degree programs in economics, business administration, and social sciences. It is the second most popular Schwerpunktkurs after the T-Kurs.
| Subject | Weekly Hours (approx.) | Topics Covered |
|---|---|---|
| Mathematics | 6—8 | Business mathematics, statistics, financial mathematics, analysis, probability |
| Economics | 6—8 | Business administration (BWL), economics (VWL), economic policy, accounting basics |
| German (DaF) | 6—8 | Business German, professional communication, presentation techniques, academic writing |
| English | 4—6 | Business English, economic terminology, international communication |
| Social Studies | 4—6 | Economic and social policy, labor market, globalization, political systems |
Total weekly hours reach 32 to 34 teaching hours.
The FSP for the W-Kurs consists of:
Passing the W-Kurs FSP qualifies you for:
Choose the W-Kurs if you plan to study any business-related or economics-related degree. You should enjoy working with numbers (business math is still demanding) but also be interested in how societies, markets, and companies function. Good English skills are a plus, as English is part of the curriculum.
The M-Kurs (Medizinischer Kurs) is the track for students aiming at medicine, pharmacy, biology, and related life sciences. Because medical programs in Germany are extremely competitive (the Numerus Clausus for Human Medicine hovers around 1.0—1.2), the M-Kurs is academically demanding.
| Subject | Weekly Hours (approx.) | Topics Covered |
|---|---|---|
| Biology | 6—8 | Cell biology, genetics, anatomy, physiology, ecology, evolution |
| Chemistry | 6—8 | Organic and inorganic chemistry, biochemistry, laboratory practicals |
| Physics | 4—6 | Mechanics, optics, electricity, medical physics, radiation |
| German (DaF) | 6—8 | Medical terminology, scientific writing, Latin/Greek roots of medical terms |
| Mathematics | 4—6 | Statistics, data analysis, medical mathematics |
Total weekly hours range from 30 to 34 teaching hours, with additional laboratory sessions.
The FSP for the M-Kurs consists of:
Laboratory practicals may also be assessed during the course.
Passing the M-Kurs FSP qualifies you for:
The M-Kurs is for you if you dream of becoming a doctor, dentist, pharmacist, or biologist. Be aware: even if you pass the M-Kurs FSP with excellent grades, gaining admission to medical school in Germany is a separate, highly competitive process. Your FSP grade will be part of your university application, so aim for the best grade possible. You need a genuine passion for the natural sciences and a willingness to spend considerable time in labs and studying.
The G-Kurs (Geisteswissenschaftlicher Kurs) prepares students for degree programs in the humanities and social sciences. This course has a strong focus on German language and culture, history, and analytical thinking.
| Subject | Weekly Hours (approx.) | Topics Covered |
|---|---|---|
| German Literature | 6—8 | Literary history, text analysis, literary periods and movements, interpretation methods |
| History | 6—8 | German and European history, historical methods, source analysis, 20th century focus |
| Social Studies | 4—6 | Political systems, social theories, current affairs, the German constitution |
| German (DaF) | 6—8 | Academic writing, rhetoric, text production, advanced stylistics |
| English | 4—6 | Academic English, text analysis, scientific communication |
Total weekly hours are around 30 to 32 teaching hours.
The FSP for the G-Kurs consists of:
The German exam in the G-Kurs is more demanding than in other Schwerpunktkurse because humanities degrees require a higher level of written and analytical German.
Passing the G-Kurs FSP qualifies you for:
The G-Kurs is for students who love reading, writing, and analyzing texts. You should have a genuine interest in history, society, and culture. Because the G-Kurs is heavily language-based, you need to be comfortable with reaching a very high level of German quickly. Students aiming for law school in Germany often take the G-Kurs.
The S-Kurs (Sprachlicher Kurs) is the least common of the five Schwerpunktkurse and is offered at only a handful of Studienkollegs. It is designed for students who want to study linguistics, literature, translation, or language-related disciplines.
| Subject | Weekly Hours (approx.) | Topics Covered |
|---|---|---|
| German | 8—10 | Literature studies, text analysis, creative writing, advanced rhetoric, linguistics |
| English | 6—8 | Language practice, literature, linguistics, intercultural communication |
| Additional Language | 4—6 | French, Spanish, Italian, or Latin (depends on the Studienkolleg) |
| Literature | 4—6 | Literary history, text interpretation, genres and periods, comparative literature |
| Cultural Studies | 2—4 | Culture, history, and society of German-speaking countries |
Total weekly hours are around 28 to 32 teaching hours.
The FSP for the S-Kurs consists of:
Passing the S-Kurs FSP qualifies you for:
Choose the S-Kurs if languages are your passion and you plan to study linguistics, literature, or translation. Note that the S-Kurs is only available at a limited number of Studienkollegs (see the table below), so you may need to apply to a specific location.
Fachhochschul-Studienkollegs offer their own set of courses tailored for study at universities of applied sciences. These courses have a stronger practical and application-oriented focus.
The TI-Kurs is the FH equivalent of the T-Kurs. It prepares students for engineering and technical programs at Fachhochschulen.
Key subjects: Applied mathematics, technical physics, computer science (including CAD basics), technical German, technical English
Qualifies for: Mechanical Engineering, Electrical Engineering, Mechatronics, Civil Engineering, Process Engineering, Production Engineering, Energy Engineering, Environmental Engineering — all at Fachhochschulen.
The WW-Kurs is the FH equivalent of the W-Kurs. It focuses on practical business knowledge.
Key subjects: Business mathematics, statistics, business administration, accounting, controlling, marketing, business German, business English
Qualifies for: Business Administration, Business Informatics, International Business, Logistics, Marketing, Tourism Management, Human Resources, E-Commerce — all at Fachhochschulen.
The GD-Kurs is unique to Fachhochschul-Studienkollegs and has no direct university equivalent. It prepares students for creative and design programs.
Key subjects: Drawing, painting, composition, design principles, typography, color theory, media design, digital tools, art history
Qualifies for: Communication Design, Media Design, Product Design, Graphic Design, Fashion Design, Interior Architecture, Game Design, Interface Design — all at Fachhochschulen.
The SW-Kurs prepares students for social science programs at Fachhochschulen.
Key subjects: Sociology, psychology, educational science, empirical research methods, German (professional communication), English
Qualifies for: Social Work, Social Pedagogy, Educational Sciences, Health Management, Rehabilitation Sciences, Special Education, Social Management — all at Fachhochschulen.
Remember: completing an FH Studienkolleg course (TI, WW, GD, SW) only qualifies you for programs at Fachhochschulen, not at traditional universities. If you are unsure whether you want to attend a university or a Fachhochschule, it is safer to attend a university Studienkolleg, as the university FSP is accepted at both types of institutions.
| Feature | T-Kurs | W-Kurs | M-Kurs | G-Kurs | S-Kurs |
|---|---|---|---|---|---|
| Full Name | Technical | Economics | Medical/Biological | Humanities | Languages |
| Main Subjects | Math, Physics, Chemistry | Math, Economics, English | Biology, Chemistry, Physics | German Lit., History, Social Studies | German, English, 2nd Foreign Language |
| German Focus | Technical/scientific | Business/professional | Medical terminology | Academic/literary | Literary/linguistic |
| Weekly Hours | 30—34 | 32—34 | 30—34 | 30—32 | 28—32 |
| Math Intensity | Very high | High | Moderate | Low | None |
| Language Intensity | Moderate | High | Moderate | Very high | Very high |
| Lab Work | Yes (Physics, Chemistry) | No | Yes (Chemistry, Biology) | No | No |
| FSP Written Exams | German, Math, Physics/Chemistry | German, Math, Economics | German, Biology, Chemistry | German, History, Social Studies | German, English/Language |
| University Type | University + FH | University + FH | University + FH | University + FH | University + FH |
| Availability | Very common | Very common | Common | Common | Rare |
| Feature | TI-Kurs | WW-Kurs | GD-Kurs | SW-Kurs |
|---|---|---|---|---|
| Focus | Engineering (applied) | Business (applied) | Design/Art | Social Sciences |
| Main Subjects | Math, Physics, IT | Math, Business, English | Art, Design, Media | Sociology, Psychology, Education |
| University Type | FH only | FH only | FH only | FH only |
| Availability | Limited | Limited | Very rare | Very rare |
Choosing the right Schwerpunktkurs is one of the most important decisions you will make in your journey to studying in Germany. Here is a step-by-step guide to help you decide.
Start with the end in mind. What do you want to study at university? Your desired degree program determines your course:
Before applying to a Studienkolleg, check the specific university where you want to study later. Some universities have specific requirements about which Schwerpunktkurs you need for certain programs. For example:
Be honest about your academic strengths:
If you are not 100% sure about your final degree choice, consider which course gives you the broadest options:
Not every Studienkolleg offers every course. The S-Kurs, in particular, is only available at a few locations. Use the table in the next section to find a Studienkolleg that offers your desired course.
The following table shows the course offerings at Studienkollegs across Germany, based on our verified data. Public Studienkollegs are tuition-free (you only pay a small semester fee), while private ones charge tuition.
| Studienkolleg | City | T | W | M | G | S | TI | WW |
|---|---|---|---|---|---|---|---|---|
| Studienkolleg Hamburg | Hamburg | x | x | x | x | x | ||
| Studienkolleg bei den Universitaeten Bayern | Munich | x | x | x | x | x | ||
| Studienkolleg der Johannes-Gutenberg-Uni Mainz | Mainz | x | x | x | x | x | ||
| Universitaet Leipzig Studienkolleg Sachsen | Leipzig | x | x | x | x | x | ||
| Studienkolleg an der Uni Heidelberg | Heidelberg | x | x | x | x | x | ||
| Staatliches Studienkolleg Nordhausen | Nordhausen | x | x | x | x | x | ||
| Studienkolleg an der FU Berlin | Berlin | x | x | x | x | |||
| Studienkolleg an der Goethe-Uni Frankfurt | Frankfurt | x | x | x | x | |||
| Landesstudienkolleg Halle-Wittenberg | Halle | x | x | x | x | |||
| Niedersaechsisches Studienkolleg Hannover | Hannover | x | x | x | x | |||
| Studienkolleg Mittelhessen (Uni Marburg) | Marburg | x | x | x | x | |||
| Studienkolleg an der TU Darmstadt | Darmstadt | x | x | |||||
| Studienkolleg der TU Berlin | Berlin | x | x | |||||
| Studienkolleg an der Uni Kassel | Kassel | x | x | |||||
| Studienkolleg an der Hochschule Wismar | Wismar | x | x | |||||
| Studienkolleg an der HTWG Konstanz | Konstanz | x | x | |||||
| Internationales Studienkolleg HS Kaiserslautern | Kaiserslautern | x | x | |||||
| Studienkolleg des KIT | Karlsruhe | x | ||||||
| Landesstudienkolleg Sachsen-Anhalt (Koethen) | Koethen | x | x | x | ||||
| Studienkolleg an der HAW Kiel | Kiel | x | x | |||||
| Studienkolleg bei den Hochschulen Bayern (FH) | Coburg | x | x | |||||
| Studienkolleg der Hochschule Zittau/Goerlitz | Zittau | x | x |
| Studienkolleg | City | T | W | M | G | S |
|---|---|---|---|---|---|---|
| Rheinisches Studienkolleg | Berlin, Bonn | x | x | x | x | |
| Studienkolleg Duesseldorf | Duesseldorf | x | x | x | x | |
| Rheinland Privatschule - Studienkolleg | Duisburg/Duesseldorf | x | x | x | x | |
| Private Studienkolleg Hannover (STH) | Hannover | x | x | x | x | |
| Studienkolleg Halle-Merseburg | Halle | x | x | x | x | |
| Studienkolleg Mettingen (Comenius-Kolleg) | Mettingen | x | x | x | x | |
| Studienkolleg Oekumenisches Studienwerk Bochum | Bochum | x | x | x | x | |
| FHM Studienkolleg Bielefeld | Bielefeld | x | x | x | ||
| FHM Studienkolleg Frechen | Frechen | x | x | x | ||
| FH des Mittelstands - Studienkolleg | Multiple | x | x | x | ||
| Freshman Institut | Geilenkirchen | x | x | x | ||
| MDWI Studienkolleg | Magdeburg | x | x | x | ||
| Studienkolleg NRW | Cologne | x | x | x | ||
| Studienkolleg Germany Magdeburg | Magdeburg | x | x | x | ||
| TUDIAS-Studienkolleg TU Dresden | Dresden | x | x | x | ||
| WBS Studienkolleg | Magdeburg | x | x | x | ||
| Internationales Studienzentrum Thueringen | Jena | x | x | x | ||
| Privates Studienkolleg Vladi Karlsruhe | Karlsruhe | x | x | x | ||
| Prep4University Studienkolleg Koeln | Cologne | x | x | |||
| Studienkolleg Glauchau | Glauchau | x | x | |||
| Internationales Studienkolleg Uni Paderborn | Paderborn | x | x |
Key Takeaway: The T-Kurs and W-Kurs are available at virtually every Studienkolleg. The M-Kurs and G-Kurs are widely available but not universal. The S-Kurs is only offered at about six public Studienkollegs (Hamburg, Munich, Heidelberg, Mainz, Leipzig, Nordhausen). FH-specific courses (TI, WW) are limited to a small number of Fachhochschul-Studienkollegs.
Regardless of which Schwerpunktkurs you take, the overall structure is the same across all Studienkollegs.
The first semester focuses on building foundations. You will:
The second semester deepens your knowledge and prepares you directly for the FSP:
The FSP takes place at the end of the second semester (June/July or January/February). It consists of written exams in your course’s core subjects and may include oral exams. Your FSP grade is crucial — it essentially becomes your university entrance qualification grade and will be part of your university applications.
If you fail the FSP, you can repeat it once. If you fail a second time, you cannot attend a Studienkolleg in Germany again.
For more details on the FSP, visit our Assessment Exam guide.
Before you can start a Schwerpunktkurs, you must pass the Aufnahmepruefung (entrance exam). The entrance exam tests:
The entrance exam is the same for all course types at most Studienkollegs — your desired course does not change what you are tested on during admission. The exam determines whether you are academically ready to start the Studienkolleg program.
Some Studienkollegs have additional requirements. Check the specific Studienkolleg’s page for details, and review the full requirements for studying in Germany.
Switching is not possible once the semester has begun. At some Studienkollegs, you may be able to switch before classes start if there is space in another course. This is why it is so important to choose the right course from the beginning. If you truly need to change, you would have to reapply and start over.
Some degree programs can be accessed through multiple Schwerpunktkurse. For example, Psychology might be accessible through both the M-Kurs and G-Kurs depending on the university. In such cases, check the specific admission requirements of your target university and choose the course that best matches the majority of your future coursework.
Difficulty is subjective. The T-Kurs has more intensive mathematics and requires strong analytical skills. The W-Kurs demands a broader skill set including languages and social sciences. Students who are strong in math often find the T-Kurs manageable, while students who are strong in languages may find the G-Kurs or W-Kurs easier. Every course is demanding in its own way.
No. To study Medicine (Humanmedizin), Dentistry, Veterinary Medicine, or Pharmacy, you must complete the M-Kurs. The T-Kurs FSP does not qualify you for medical programs, even though both courses include chemistry and physics.
Yes, significantly. Your FSP grade serves as your Hochschulzugangsberechtigung (university entrance qualification). For competitive programs like Medicine, your FSP grade directly affects your chances of admission. Even for less competitive programs, a better grade gives you more options when choosing universities.
Not necessarily. Public Studienkollegs are tuition-free and are operated by state-funded universities, which means their FSP is automatically recognized everywhere. Private Studienkollegs charge tuition (often 3,000—10,000 EUR per semester) but may offer smaller class sizes, more start dates, and additional support services. The quality varies — always verify that a private Studienkolleg is staatlich anerkannt (state-recognized) before enrolling.
If you are undecided between different STEM fields, the T-Kurs is the safest choice as it covers the broadest range of technical and scientific programs. If you are torn between humanities and social sciences, the G-Kurs offers the widest flexibility. The W-Kurs is a solid middle ground if you are considering business or social science but are not fully committed.
In most cases, if you already have a completed degree from your home country, you do not need to attend a Studienkolleg. The Studienkolleg is specifically for students whose school-leaving certificate is not recognized as equivalent to the German Abitur. If your existing degree is recognized, you may be able to apply directly to a German university. Check with uni-assist or the specific university’s international office.
The Schwerpunktkurs you choose at the Studienkolleg sets the direction for your entire university career in Germany. Take the time to research your target degree program, check which Schwerpunktkurs it requires, and then find a Studienkolleg that offers that course. Starting with the right course means you will spend your year at the Studienkolleg building exactly the knowledge and skills you need — and you will walk into your first university lecture confident and prepared.
If you still have questions about which course type is right for you, explore our detailed pages for each course: T-Course, W-Course, and the other Schwerpunktkurse. You can also browse our full list of Studienkollegs in Germany to find the right institution for your goals.
studienkollegHow to open a German bank account as an international student. Compare N26, DKB, Commerzbank, Sparkasse. Sperrkonto, required documents, and fees explained.
studienkollegThe definitive guide to books, apps, and online resources for Studienkolleg entrance exam and FSP preparation — organized by course type.
studienkollegCompare all 46 Studienkollegs in Germany. 24 public (tuition-free) and 22 private with costs, courses, and locations. Find the right one.