Costs of studying abroad in Germany vs United Kingdom

Among the top destinations for Indian students are Germany and the United Kingdom (UK). Both countries are renowned for their excellent academic institutions and vibrant student life. However, the costs associated with studying in these countries can vary significantly.

Tuition Fees

Germany:

One of the most appealing aspects of studying in Germany is the low or even non-existent tuition fees at public universities. Most public universities charge only a nominal semester fee, typically ranging between €150 to €300 (₹13,573 to ₹27,147)*, which covers administrative costs, public transportation, and student services (upGrad, 2024). However, some states have introduced tuition fees for non-EU students, which can be around €1,500 (₹1,35,730)* per semester. On the other hand, private universities in Germany charge significantly higher tuition fees, ranging from €10,000 to €20,000 (₹9,04,900 to ₹18,09,800)* annually, depending on the program and institution (Shiksha, 2024). To know more about Germany's top MBA colleges, read our other blog on Thriving Business Education in Germany.

United Kingdom:

In contrast, the UK is known for its high tuition fees, particularly for international students. According to the University Living Indian Students Mobility Report 2023-24, undergraduate tuition fees at UK universities typically range from £10,000 to £38,000 (₹10,68,100 to ₹40,58,780)** per year, depending on the course and institution for International students.

Comparison:

University Rankings and Tuition Fees

University	QS University Ranking 2024	Tuition Fees	In INR
University of Cambridge (UK)	2	£25,734 to £67,194 annually	₹27,48,648.54 to ₹71,76,991.14 annually**
University of Oxford (UK)	4	£33,050 to £48,620 annually	₹35,30,070.5 to ₹51,93,102.2 annually**
Imperial College London (UK)	6	£36,700 to £50,400 annually	₹39,19,927 to ₹53,83,224 annually**
UCL (University College London) (UK)	8	£37,500 annually	₹40,05,375 annually**
The University of Edinburgh (UK)	15	£21,800# annually	₹23,28,458 annually**
Technical University of Munich (Germany)	49	€2,000 to €3,000 per semester	₹1,80,980 to ₹2,71,470 per semester*
Ludwig-Maximilians-Universität München (Germany)	59	€100 to €300 per semester	₹9049 to ₹27,147 per semester*
Ruprecht-Karls-Universität Heidelberg (Germany)	65	€1500 per semester	₹1,35,735 per semester*
Freie Universitaet Berlin (Germany)	118	-	-
RWTH Aachen University (Germany)	147	-	-

Upon examining the table comparing the top five universities from each country for undergraduate courses, a notable trend emerges: UK institutions exhibit a stronger reputation than their German counterparts. It's important to consider, however, that this heightened reputation often comes with a higher cost, making UK programs comparatively more expensive. While Germany’s public universities provide a cost-effective option with their low or zero tuition fees, the UK’s higher tuition fees reflect the prestigious nature of its institutions and the diverse range of programs offered.

Students looking for affordable higher education without compromising on quality may find Germany more appealing, especially for undergraduate studies. However, the UK’s globally recognized institutions and comprehensive program offerings might justify the higher costs for many students.

Specs with books below it — Books with Specs on Top

Living Expenses

Germany:

The cost of living in Germany is relatively moderate compared to other Western European countries. Students should budget around €850 to €1,200 (₹76,916.5 to ₹1,08,588)* per month for living expenses, which include accommodation, food, transportation, health insurance, and leisure activities (Shiksha, 2024). Major cities like Berlin, Munich, and Frankfurt are more expensive, while smaller cities and towns offer more affordable living options. In addition, Germany offers various student discounts on public transportation, cultural events, and other services, helping to further reduce living costs.

United Kingdom:

The cost of living in the UK, particularly in major cities like London, is considerably higher. If you're coming to London, expect to spend around £1300-£1400 (₹1,38,853 - ₹1,49,534)** per month on accommodation, bills, groceries, and other expenses. If you're heading to other parts of the UK, it'll be a bit cheaper, around £900-£1300 (₹96,129 - ₹1,38,853)** per month. It's important to budget for these costs so you can focus on your studies without worrying too much about money (British Council). However, cities like Manchester, Birmingham, and Glasgow offer more affordable living options compared to London. The UK also offers various student discounts and schemes to help manage living expenses.

Comparison:

Germany generally offers lower living costs compared to the UK. However, the actual cost can vary significantly depending on the city, with London being considerably more expensive than most German cities. For students seeking a more affordable living situation, Germany’s smaller cities and towns can be an excellent choice, while those who prefer a bustling metropolitan experience might lean towards the UK despite the higher costs.

Visa

United Kingdom:

The UK Student Visa fees, formerly known as the Tier 4 (General) Student Visa, amount to £363 (₹38,772.03)** for applicants applying from outside the UK. Additionally, applicants are required to pay a healthcare surcharge, the cost of which varies based on the duration of their stay (Shiksha,2024)*.

Germany:

For students heading to Germany, the student visa costs around €75 (₹6786.75)*. If you plan to apply for a Residence Permit upon arrival, that would require an additional fee of up to €110 (₹9,953.9)*. Keep in mind, the visa process can take some time—usually between 8 to 12 weeks, which is roughly 3 months. To avoid any delays, it's recommended that international students apply as early as possible (Shiksha).

Comparison:

The UK visa is more expensive upfront, but offers a longer post-study work period. Germany's visa is cheaper, with a generous post-study stay. Consider both when choosing your study destination

Meds flying out of tequila glass — Healthcare

Health Insurance

Germany:

Health insurance is mandatory for all students in Germany. On average, student health insurance in Germany costs between €120 (₹10,858.8)* and €130 (₹11,763.7)* per month (German Visa). The exact cost depends on whether you opt for private or public insurance and your personal situation. Notably, students benefit from lower premiums compared to other residents in Germany. Some students may be eligible for private health insurance, which can vary in cost but is generally more expensive. Germany’s healthcare system is highly regarded for its quality and accessibility.

United Kingdom:

International students in the UK need to pay the Immigration Health Surcharge (IHS) as part of their visa application, which provides access to the National Health Service (NHS). As per UK Gov, you’ll have to pay the following fees:

£776 (₹82,884.56)** per year for students, their dependents, and those on a Youth Mobility Scheme visa.
£776 (₹82,884.56)** per year for visa and immigration applicants under the age of 18 at the time of application.
£1,035 (₹1,10,548.35)** per year for all other visa and immigration applications.

The NHS covers most medical services, although there may be some additional costs for specific treatments or services.

Comparison:

Germany’s health insurance system is slightly more affordable than the UK’s, but both countries provide comprehensive health coverage for international students. The quality of healthcare in both Germany and the UK is high, ensuring that students receive excellent medical care during their studies.

Work Opportunities

Germany:

Starting from March 1, 2024, the rules for international students and apprentices regarding working hours have been made easier. Now, students and apprentices can work up to 20 hours a week, double the previous limit of ten hours. Additionally, on June 1, 2024, Germany introduced the Opportunity Card, also called the 'Chancenkarte,' to make it simpler for skilled professionals from non-EU countries to immigrate. This card allows international students to work up to 20 hours a week and earn a monthly income of up to €1000 (₹90,490)*. This flexibility enables students to supplement their income and gain valuable work experience. However, finding student jobs can be competitive, especially in larger cities. Proficiency in German can also be an advantage when seeking employment. You can also apply for a scholarship in Germany, click here to know more.

United Kingdom:

In the UK, you can work up to 20 hours per week during university term time. You can work full-time during term time if you are on a work placement that is an essential and assessed part of your course. However placement must not exceed 50% of the total course length unless required by UK law. And if you have a student visa for a part-time course, you cannot work, whether paid or unpaid, in the UK. The UK job market offers various opportunities, but competition can be fierce, particularly in major cities like London. Proficiency in English is essential for most jobs, and previous work experience can be beneficial. To know more about scholarship in UK, click here.

Comparison:

Both Germany and the UK offer work opportunities for international students, with Germany having a slightly more flexible approach in terms of days worked per year. Students in both countries can benefit from gaining work experience and earning additional income to support their studies.

Conclusion

Choosing between Germany and the UK for your studies involves balancing various factors, including tuition fees, living expenses, accommodation, health insurance, and work opportunities. Germany offers a more affordable option, particularly for undergraduate studies, while the UK provides a wider range of programs and prestigious institutions. Both countries have their unique advantages, and the decision ultimately depends on your personal preferences, financial situation, and academic goals.

For a smooth financial transition, consider using a trusted forex exchange provider to manage your currency exchange needs efficiently. Contact us to learn more about our specialized services for international students and how we can assist you with your currency exchange requirements.

Remarks:

^# If you are a visiting student from overseas or the EU and want to study at the University of Edinburgh for the whole academic session, you will be offered a £500 (₹53,405)* discount which is already made on the table.

* Rates are converted on the basis of €1 = ₹90.49 as per on 06th July, 09:37 am UTC given by Google Finance.

** Rates are converted on the basis of £1 = ₹106.81 as per on 06th July, 09:48 am UTC given by Google Finance.

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