Study abroad guidance · Germany

Study in GermanyStudent Visa Guidance from Jalandhar

Find a German study route that fits your academic profile, language preparation, budget, and preferred field of study.

Indian student in Berlin with the Brandenburg Gate behind her

Information on this page was checked against official German Government sources on 22 October 2026. Reviewed by Mandeep Sandhu, Sandhu Overseas, Jalandhar. Next scheduled review: January 2027. Germany republishes its financial figures every January and has just introduced a new test for Indian Master’s applicants — both are covered below. Always confirm on the official page linked beside each point before you act.

Two things to know before you read anything else about Germany. First: remonstration no longer exists for Indian applicants. It was abolished for India on 1 January 2024 and worldwide on 1 July 2025 — yet consultancies in Jalandhar still sell it as the answer to a refusal. Second: a new aptitude test called the dMAT is being phased in for Indian Master’s applicants, and it becomes mandatory from the Summer Semester 2027 intake.
€11,904 (approx. ₹12.42 lakh) a yearBlocked account, €992 (approx. ₹1.03 lakh) a month
140 full daysWork allowance per year
18 monthsTo find work after graduating
APS requiredMandatory for Indian applicants

Why students from Jalandhar look at Germany

Germany is the destination where the sums work differently from everywhere else on this site. Public universities generally charge no tuition fee — only a semester contribution — so the money you must show is for living costs rather than for fees. For a family in Punjab weighing a two-year master’s in Canada against one in Germany, that single difference often changes the answer.

What Germany asks for instead is process. Your Indian qualifications must be verified by a body run by the German Embassy before you can even apply. Your funds must sit in a particular kind of account with a particular monthly withdrawal limit. Your language certificate must come from a short list, and a “medium of instruction” letter from your Indian university will be rejected outright. Germany is cheaper and slower, and it rewards preparation more than any other destination we handle.

Public universities charge no tuition

Most state universities do not charge tuition fees for degree programmes, only a semester contribution. Where a university does charge, Indian applicants must show funds for the first two semesters with a detailed fee breakdown.

140 days of work a year

Raised from 120 days on 1 March 2024. And university assistant jobs — research posts, academic tutoring, library and institute work — do not count against the allowance at all.

Eighteen months to find a job

After graduating you can get a residence permit of up to eighteen months to look for work, and during it any employment or self-employment is allowed — the job does not have to match your degree.

A lower Blue Card bar for new graduates

A recent graduate — degree obtained no more than three years before applying — qualifies for the lower EU Blue Card salary threshold whatever the profession, which is a meaningful head start.

The dMAT: new, and only for Indian applicants

In June 2026 the Academic Evaluation Centre introduced the dMAT, a standardised academic aptitude test for Master’s applicants from India, run by g.a.s.t. and folded into the APS procedure. It is the newest thing in German study admissions and it applies to your nationality specifically.

PointWhat applies
Who must take itMaster’s applicants whose previous degree falls in a selected field of study
From whenMandatory from the Summer Semester 2027 Master’s intake. Winter semester 2026/27 is not covered.
Pass or fail?Neither. A low score does not automatically cause an APS refusal. The score is printed on your APS certificate and each German university decides how to weigh it.
Fee€150 (approx. ₹15,600), paid to g.a.s.t. — separate from the APS fee
Test centres in IndiaAhmedabad, Bengaluru, Bhopal, Chandigarh, Chennai, Kolkata, Mananthavady, Mumbai, New Delhi, Pune. Seats are first come, first served.
Next cyclesMid-January and mid-March 2027, for Master’s starts in winter semester 2027/28

Who is exempt: anyone who completed APS registration or shipped complete APS documents before 29 June 2026; anyone who already holds an APS certificate; confirmed exchange, double-degree or university-partnership students; all Bachelor’s applicants; Bachelor’s students with fewer than five semesters of a three-year programme or seven of a four-year programme; PhD applicants; and anyone whose previous degree falls outside the selected fields.

One thing is not settled yet, and we will not pretend otherwise. The list of fields of study the dMAT applies to had not been published when we checked. APS says it will be announced on its website. If you are planning a Master’s for Summer Semester 2027 or later, that list is the single thing to watch, and we will tell you the moment it appears.

Official source: APS India — dMAT. Dates on the APS page have been revised more than once; confirm them there before booking.

APS: the step that comes before everything

The Academic Evaluation Centre (APS India) is run by the Science Section of the German Embassy in New Delhi. It verifies academic documents issued by Indian institutions, and an APS certificate is required both by the German Mission for your visa and by uni-assist for your university applications. For an Indian applicant it is not optional and it is not quick, so it belongs at the start of your timeline, not in the middle.

Register online and pay

At aps-india.de. The fee is ₹18,000 and is non-refundable once paid, whatever the outcome.

Take the dMAT first, if it applies to you

APS India issues the APS certificate only after the dMAT certificate has been submitted and checked.

Courier your documents and keep the tracking

Only complete applications are processed. Send copies — do not send originals. Anything not in English needs a notarised English translation.

Receive your digital certificate by email

Then apply for the student visa through VFS. The current APS leaflet describes no interview.

What to gather: the signed application form with a passport photo under six months old; the fee receipt; your Aadhaar card copy with a linked mobile number; passport first and last pages; Class X and Class XII marksheets and certificates, plus the Class XII admit card if you have it; marksheets for every semester; your Bachelor’s degree certificate, where a provisional certificate under a year old is accepted; Master’s documents if relevant; your language certificate; and the signed Student Authorization Letter.

One rule worth flagging for Punjab, where polytechnic routes are common: polytechnic and vocational certificates cannot be treated as equivalent to a Bachelor’s programme.

Official source: APS India. APS does not publish how long a certificate remains valid, so ask them directly if yours is more than a year old.

Two different visas — make sure you apply for the right one

Student visa (§ 16b)Student applicant visa (§ 17(2))
When you use itYou already hold admission from a German university, or a place at a Studienkolleg or required preparatory language courseYou have applied but have no admission yet, or must sit entrance examinations
How longResidence permit normally two years at a time, extendable while your studies continueUp to nine months, and not renewable for the same purpose
Funds for 2026€992 (approx. ₹1.03 lakh) a month, €11,904 (approx. ₹12.42 lakh) a year€1,091 (approx. ₹1.14 lakh) a month
Work allowed140 full or 280 half days a yearUp to 20 hours a week, plus up to two weeks of trial work

The visa itself is only an entry document. After you arrive and enrol you apply at your local Ausländerbehörde for the residence permit for study purposes, which is issued for up to two years at a time and should not be for less than one. If you lose your place through no fault of your own, the law gives you up to nine months to find another before the permit is withdrawn.

Since 1 January 2025 national student visas can be applied for worldwide through the Federal Foreign Office’s Consular Services Portal.

Official sources: § 16b Residence Act · Federal Foreign Office.

The blocked account, and the monthly limit people forget

Germany does not ask you to show a balance. It asks you to place a year’s living costs in a Sperrkonto, a blocked account from which you can draw only a fixed amount each month. For 2026 that is €992 (approx. ₹1.03 lakh) a month, or €11,904 (approx. ₹12.42 lakh) for the year. The figure is tied to the maximum German student support rate and is republished every January.

You cannot take it all out when you land. The withdrawal cap is €992 (approx. ₹1.03 lakh) a month, and the German Mission in India warns in its own words that early costs such as a rental deposit may exceed that cap. In German cities a deposit is commonly two or three months’ rent. You need separate, unblocked money for your first weeks, and students who have not planned for this arrive and find they cannot pay for their own accommodation.

Three accepted ways to prove your funds, as the German Mission in India lists them:

  • A blocked account covering the first year
  • Confirmation of a German or EU scholarship
  • A Verpflichtungserklärung — a formal declaration of commitment from a sponsor living in Germany, filed with the foreigners authority there

Note what is not on that list. Parental income on its own is not listed as an accepted route for Indian applicants, and a relative in Canada or Dubai cannot give a declaration of commitment — the sponsor must be resident in Germany. If your funding plan rests on either of those, it needs rethinking before you apply.

Where your university does charge tuition, that is on top. Indian applicants must show funds for the first two semesters with a detailed fee breakdown, evidenced by a university payment confirmation, an education loan, or an unblocked deposit added to the blocked account.

Official sources: Federal Foreign Office — blocked account · German Mission in India — national visa for students. The Federal Foreign Office recommends no providers and accepts no liability for them. Amounts change each January.

Language: the certificate your Indian university gives you will not work

Officially, your university sets the language level. In practice the visa section checks it too, and the German Mission in India is unusually direct about what it will and will not accept.

  • Proof of ability in the language of instruction is required unless your university confirms it in the admission notification
  • For German-taught programmes, “a level of at least B2 is generally expected, without a preparatory language course”
  • Accepted: Goethe-Institut / Max Mueller Bhavan, ÖSD, IELTS, TOEFL, Cambridge Assessment English
  • Certificates from online exams are not accepted
In the Mission’s own capitals: “Do NOT provide ‘exemption letters’ or ‘Language of Instruction Certificates’.” Indian universities issue medium-of-instruction letters routinely and students assume they will serve as English proof. For a German student visa they will not. Book a real test.

If you are applying to a German-taught programme, the certificates that give unrestricted admission are TestDaF at TDN 4 in every section or DSH-2 in every section. The Goethe C2 certificate, telc Deutsch C1 Hochschule, the DSD II and the German Abitur exempt you from the test altogether. For English-taught programmes, proof of German is normally not required at all, though B2 German is worth having for daily life and for work afterwards.

Official sources: German Mission in India · DAAD — German language skills. Our IELTS guide covers the English test.

Will your Indian qualification be accepted?

Germany assesses every foreign school certificate centrally. The ZAB, part of the standing conference of state education ministers, issues assessment recommendations published in the anabin database, and all sixteen federal states apply them. Where a school-leaving qualification is not treated as equivalent, the applicant must attend a Studienkolleg — normally two semesters of about thirty lessons a week — ending in the Feststellungsprüfung. State Studienkollegs generally charge no tuition.

One structural rule is worth knowing before you choose a Studienkolleg: a Feststellungsprüfung taken at a Fachhochschule lets you study only at universities of applied sciences, while one taken at a Universität opens both.

We are not going to tell you a rule we cannot source. You will find plenty of Jalandhar websites stating confidently that a Class XII certificate alone needs a Studienkolleg while one year of an Indian bachelor’s degree gives direct access. We could not find that rule on any official German page. The authoritative answer for your own certificate is the India entry in anabin and your target university’s own statement — and we will look both up with you rather than guess.

What is officially confirmed for Indian applicants through uni-assist: a school-based application needs your Class X and XII certificates with all subjects and grades, your school’s grading system, and your JEE Main and Advanced results if you passed both, plus the APS certificate. A university-based application needs the official transcript, the degree certificate and a grading-system document showing the maximum grade and the minimum grade required to be awarded the degree — the pass mark for individual courses is explicitly not accepted. A provisional degree certificate is valid for twelve months after your studies end.

Two more things about uni-assist. Its assessment is orientation only; the university’s recognition office is not bound by it. And uni-assist states that it does not work with commercial placement agencies and that payment requests come only through its own portal — useful to know if anyone offers to “handle uni-assist” for a fee.

Official sources: KMK / ZAB — access to higher education · uni-assist — country information: India.

Health insurance, and one decision you cannot undo

You need health insurance proof twice: to enrol at your university and to get your residence permit. At the visa stage the German Mission in India requires travel health insurance valid from the date you arrive until the enrolment date stated in your admission letter, which is usually about three months.

For a foreign policy to count as equivalent to German public insurance it must have no reimbursement cap, a deductible of no more than €300 (approx. ₹31,300) a year, cover for pre-existing conditions, no termination clause tied to your age or your residence status, and no time limit. Indian travel policies frequently fail on at least one of these.

A one-way door. If a German insurer issues a letter certifying that you are covered under a foreign policy, you can no longer join German public health insurance for the whole of your studies. That decision cannot be reversed, so take it deliberately rather than because an agent told you a cheaper policy would do.

Working while you study

A student in Germany may work 140 full days or 280 half days a year without any approval from the labour office. The allowance rose from 120 days on 1 March 2024, so anything you read quoting 120 is out of date.

The counting is done in whichever way is more favourable to you. A working day of up to four hours counts as half a day and over four hours as a full day. Alternatively, a week in which you work up to twenty hours during the lecture period — or any amount outside it — counts as a flat two and a half days. During the lecture-free period there is no hourly limit at all.

University jobs do not count at all. The law says student side jobs are not counted toward the 140 days and are not time-limited — research and scientific assistant posts, academic tutoring, work at research institutes and libraries. A job with no link to your course, and the official example is canteen work, does not qualify. For a student who can get a HiWi position, this is the difference between a hard limit and effectively none.

A mandatory internship that forms part of your course is covered by your study permit. Other internships count against the 140 days. Self-employment and freelancing need approval from your local foreigners authority, which will consider whether the work would delay your studies. The same 140-day allowance applies to Studienkolleg and preparatory language-course students.

Official source: § 16b(3) Residence Act.

After you graduate

Eighteen months to find work

A residence permit of up to eighteen months to seek employment. Any job or self-employment is allowed during it — the work need not match your degree. It is not renewable, and it must be applied for before your study permit expires.

The EU Blue Card

For 2026 the standard salary threshold is €50,700 (approx. ₹52.88 lakh), falling to €45,934.20 (approx. ₹47.91 lakh) for shortage occupations, IT professionals and recent graduates. Settlement permit after 27 months with A1 German, or 21 months with B1.

The Opportunity Card

A points-based job-seeking card introduced in June 2024, for up to a year, allowing part-time work of up to twenty hours a week plus short trial employment. Needs a degree or a recognised two-year vocational qualification, German A1 or English B2, and at least six points.

The graduate advantage worth planning around: a recent graduate — meaning the qualifying degree was obtained no more than three years before applying — qualifies for the lower Blue Card threshold regardless of profession. That is a wider door than most people realise, and it closes three years after graduation.

On the Opportunity Card, points come from things you can plan: German B2 is worth three points, B1 two; being under 35 is worth two points and 35 to 39 one; five years of work experience in the last seven is worth three. Six points is the bar.

Official sources: Make it in Germany — prospects after graduation · § 20a Residence Act — Opportunity Card. Salary thresholds are adjusted annually.

Can your husband or wife join you?

There is a rule here that catches married applicants from Punjab more often than any other, and it is worth reading twice.

The marriage must already exist before your student permit is granted. German law conditions spouse reunification to a student on the marriage having been in place before the student was granted the residence permit for study. Marrying after you receive your permit removes the entitlement. If marriage and study are both in your plans for the next two years, the order in which they happen matters.

The other conditions are that your spouse is 18 or over, holds German at A1 level, your own permit is valid for more than a year, and there is sufficient living space and secured subsistence for the household. Administrative practice is strict: one state authority states that spouses and minor children of students receive permits “only in individual cases”, and that each family member is assessed separately against the basic support rate plus a share of local rent — on top of your own blocked account.

We are not going to tell you whether your spouse could then work, because we could not confirm it on an official page, and this is exactly the kind of question on which a confident wrong answer costs someone a year. It is a question for the competent foreigners authority, and we will help you put it to them. Our spouse visa and dependent visa pages cover the wider family routes.

If your application is refused

This is the section where Germany differs most sharply from what is still being sold in Jalandhar.

Remonstration does not exist any more. The appeal letter to the visa section — the Remonstration — was abolished for India on 1 January 2024, after a pilot that began in June 2023, and worldwide from 1 July 2025. The Federal Foreign Office describes it as a remedy that was never required by statute and had been granted voluntarily. If a consultancy offers to “file your remonstration” for a fee, they are selling something that has not existed for Indian applicants for nearly three years.

What the Federal Foreign Office does publish are two remaining routes. Judicial review remains available and is expressly not limited by the abolition — the Office states that adequate legal protection continues to be guaranteed. And a new visa application can be submitted at any time after a rejection, which in practice is what most students do, after fixing whatever the rejection letter identified.

The German Mission in India also states that it may request additional documents or verification of your certificates, which can incur fees, and that submitting documents does not guarantee approval. Document verification is a normal part of the process for Indian applicants, not a sign that something has gone wrong.

Official sources: Federal Foreign Office — abolition of the remonstration procedure · German Mission in India — remonstration and legal action.

Starting your German application from Jalandhar

Germany is the destination where the timeline matters most, because the APS step sits in front of everything else and the dMAT now sits in front of that for some Master’s applicants. A student who comes to us in June for a winter intake is usually too late; one who comes in October for the following winter has room.

Come in with your papers

Our office is at 298, 1st Floor, Defence Colony, Jalandhar, open Monday to Saturday, 9:00 AM to 6:00 PM. If you are in Jalandhar, Kapurthala, Phagwara, Nakodar, Hoshiarpur or Nawanshahr, bring every semester marksheet, your Class X and XII certificates and your Aadhaar.

We work backwards from APS

APS verification, then uni-assist or direct application, then admission, then the visa. Each stage has its own waiting time, and the dMAT now sits ahead of APS for some Master’s applicants. The intake date sets the whole sequence.

Blocked account, plus landing money

The year’s funds in the blocked account, plus separate unblocked money for a deposit and first expenses — because you can only draw €992 (approx. ₹1.03 lakh) a month once you are there.

Jalandhar has a great many immigration offices and the quality varies. Whoever you work with, ask them to show you the auswaertiges-amt.de or aps-india.de page behind any rule they quote. If they offer to file a remonstration against a German refusal, you have your answer.

How Sandhu Overseas helps

We are an immigration and visa consultancy in Jalandhar. We are not part of the German Embassy, we do not represent it, and no consultancy can guarantee a visa. What we can do is make sure your file is complete, current and consistent, and that you understand each requirement before you spend money against it.

Qualification and course review

Looking up your own certificate against anabin and the university’s statement, rather than applying a rule of thumb — including whether a Studienkolleg year is in your path.

APS and dMAT preparation

Assembling the document set APS asks for, in the form it asks for, and working out whether the dMAT applies to you and when you need to sit it.

Funds and the blocked account

Setting up the Sperrkonto, planning the tuition evidence where a university charges, and making sure you have unblocked money for your first weeks.

Admission applications

uni-assist or direct applications, document formatting to the grading-system rules, and tracking deadlines across several universities at once.

Insurance that actually qualifies

Checking a policy against the five conditions the German Mission applies, before you buy it and before you close the door on public insurance.

Family timing

If marriage is in your plans, we explain the order rule before it costs you the entitlement — and tell you plainly where the official answer is unclear.

Other services from our Jalandhar office

This page covers the German student visa. If your plan takes a different route, these pages go into each one:

Frequently asked questions

How much money do I need in a blocked account for Germany?
For 2026, €992 (approx. ₹1.03 lakh) a month or €11,904 (approx. ₹12.42 lakh) for the year for a student visa, and €1,091 (approx. ₹1.14 lakh) a month for the student applicant visa. The figure is tied to the maximum German student support rate and is republished every January. Where your university charges tuition you must also show funds for the first two semesters with a detailed fee breakdown.
How much can I withdraw from the blocked account each month?
€992 (approx. ₹1.03 lakh) a month, the same as the monthly requirement. You cannot take the whole year’s money out when you arrive. The German Mission in India warns specifically that early costs such as a rental deposit may exceed that cap, so you need separate unblocked funds for your first weeks in Germany.
Is the APS certificate compulsory for Indian students?
In practice yes. The German Mission in India lists it among the documents required for the national student visa, and uni-assist requires it for applications based on Indian school or university qualifications. It is run by the Science Section of the German Embassy in New Delhi, the fee is ₹18,000 and it is non-refundable once paid, whatever the outcome.
What is the dMAT and do I have to take it?
The dMAT is a standardised academic aptitude test introduced in June 2026 for Master’s applicants from India whose previous degree falls in a selected field of study. It becomes mandatory from the Summer Semester 2027 Master’s intake; winter semester 2026/27 is not covered. The fee is €150 (approx. ₹15,600), paid to g.a.s.t. It is not pass or fail — your score is printed on your APS certificate and each university decides how to weigh it. Bachelor’s and PhD applicants are exempt. The list of affected fields had not yet been published when we last checked.
Can I use my parents’ income instead of a blocked account?
The German Mission in India lists exactly three accepted routes: a blocked account, confirmation of a German or EU scholarship, or a formal declaration of commitment from a sponsor living in Germany. Parental income on its own is not among them, and a sponsor outside Germany cannot give the declaration. If your funding plan rests on either, it needs rethinking before you apply.
Will my university’s medium of instruction certificate work as English proof?
No. The German Mission in India states in capitals: “Do NOT provide ‘exemption letters’ or ‘Language of Instruction Certificates’.” It also does not accept certificates from online exams. Accepted providers are the Goethe-Institut or Max Mueller Bhavan, ÖSD, IELTS, TOEFL and Cambridge Assessment English.
What German level do I need?
For German-taught programmes the German Mission in India states that a level of at least B2 is generally expected, without a preparatory language course. For admission, TestDaF at TDN 4 in every section or DSH-2 in every section gives unrestricted access; the Goethe C2 certificate, telc Deutsch C1 Hochschule, the DSD II and the German Abitur exempt you from the test. For English-taught programmes, proof of German is normally not required.
Do I need a Studienkolleg year?
It depends on whether your school-leaving qualification is treated as equivalent, which is set out in the ZAB’s assessment recommendations published in the anabin database. We could not find an official German page stating a specific rule for Indian qualifications, and we are not going to repeat one we cannot source. The reliable answer for your own certificate is the India entry in anabin together with your target university’s statement, and that is what we check with you.
How many days can I work as a student in Germany?
140 full days or 280 half days a year, raised from 120 days on 1 March 2024, with no labour office approval needed. A day of up to four hours counts as half a day. During the lecture-free period there is no hourly limit. Importantly, university assistant jobs — research posts, academic tutoring, library and institute work — do not count against the allowance at all.
How long can I stay in Germany after graduating?
You can apply for a residence permit of up to eighteen months to look for work. During it any employment or self-employment is permitted and the job does not have to match your degree. It is not renewable and it must be applied for before your study permit expires. From there most graduates move to an EU Blue Card.
What is the EU Blue Card salary threshold?
For 2026, €50,700 (approx. ₹52.88 lakh) as the standard threshold and €45,934.20 (approx. ₹47.91 lakh) for shortage occupations, IT professionals and recent graduates — a recent graduate being someone whose qualifying degree was obtained no more than three years before applying. The lower route requires labour office approval. A settlement permit follows after 27 months with A1 German, or 21 months with B1. Thresholds are adjusted annually.
Can my wife or husband come with me?
Possibly, but one condition catches people out: the marriage must already have existed before you were granted your student residence permit. Marrying afterwards removes the entitlement. Your spouse must also be 18 or over and hold German at A1 level, your own permit must be valid for more than a year, and the household’s living space and subsistence must be secured. Administrative practice is strict and permits for students’ families are granted only in individual cases.
Can I file a remonstration if my German visa is refused?
No. Remonstration was abolished for India on 1 January 2024 and worldwide on 1 July 2025. The Federal Foreign Office describes it as a remedy that was never required by statute and had been granted voluntarily. What remains is judicial review, which the Office says is not limited by the abolition, and submitting a new visa application, which can be done at any time after a rejection. Anyone offering to file a remonstration for a fee is selling something that no longer exists.
Do German public universities charge tuition?
Most state universities do not charge tuition fees for degree programmes, only a semester contribution. Where a university does charge, Indian applicants must show funds for the first two semesters with a detailed fee breakdown, evidenced by a university payment confirmation, an education loan, or an unblocked deposit added to the blocked account.
Do I need a consultant for a German student visa?
You can do it yourself; the Federal Foreign Office, APS India, uni-assist and the DAAD all publish their requirements free of charge, and uni-assist states openly that it does not work with commercial placement agencies. What a consultancy adds is sequencing — APS, admission and visa each have their own waiting time, and the dMAT now sits ahead of APS for some Master’s applicants. Before engaging anyone, ask what their role formally is, get fees in writing, and be wary of guarantees. Nobody can guarantee a visa decision.

Talk through your Germany plan with us

Bring every semester marksheet, your Class X and XII certificates and your questions. We will tell you honestly what the current rules allow for your profile — including when the answer is that a different destination fits you better.

Call the study desk: +91 78371-05715 All student visa services

Sandhu Overseas · 298, 1st Floor, Defence Colony, Jalandhar, Punjab 144001 · Monday to Saturday, 9:00 AM – 6:00 PM · Punjab Govt Approved Agent, Licence No. 1807/MC-6/MA/JAL

Important. This page is general information, not individual immigration advice, and it is not a substitute for the official German Government guidance linked throughout. Financial figures are republished each January and other requirements change without notice. Where we could not confirm a point on an official page we have said so rather than filling the gap. Sandhu Overseas does not guarantee that a visa will be issued — that decision rests entirely with the German mission. Please confirm every requirement on the German Mission in India and auswaertiges-amt.de before acting on it.

Rupee amounts shown in brackets are approximate, converted at exchange rates of 12 November 2026. Exchange rates change daily, so check the current rate before arranging funds.

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