Comparación de seguros 2026
Fintiba Blocked Accountvs.Expatrio Blocked Accountvs.Coracle Blocked Account
Una comparación independiente de prestaciones, costes y detalles de cobertura.
✓ Basado en documentos oficiales de pólizas✓ Actualizado marzo de 2026✓ Comparación independiente
| Característica | Most PopularFintiba Blocked AccountVer detalles | Expatrio Blocked AccountVer detalles | Coracle Blocked AccountVer detalles |
|---|---|---|---|
| Comisiones y costes | |||
| Comisión de apertura | €159 | €89 | €99 (€59 with Prime package) |
| Comisión mensual | €9.90/month | €5/month | €0/month (no monthly fees) |
| Coste total (1.er año)Setup + 12 months of service fees | €277.80 | €149 | €99 (first year) / €59 (first year with Prime) |
| Detalles de la cuenta | |||
| Tiempo de tramitación | Account in ~10 minutes, confirmation after fund transfer (2–4 business days via Fintiba Transfer) | Account in minutes, confirmation within ~24 hours after funds arrive | Account within 2 hours, blocking confirmation within ~1 week (when operational) |
| Banco asociado | Sutor Bank (Hamburg) | UniCredit (formerly Aion Bank) | Lemonway (French-licensed payment institution) — funds held at Deutsche Postbank or DKB |
| IBAN alemán | |||
| Intereses del saldo | No | No | Not confirmed |
| Pago con tarjeta de crédito | |||
| Servicio y extras | |||
| App móvil | |||
| Paquete con seguro disponible | |||
| Programa de becas | Mejor | ||
| Programa de referidos | |||
| VisitarFintiba Blocked Account → | VisitarExpatrio Blocked Account → | VisitarCoracle Blocked Account → | |
Expatrio Blocked AccountVer detalles
Coracle Blocked AccountVer detalles
Comisiones y costes
Comisión de apertura
€159
€89
€99 (€59 with Prime package)
Comisión mensual
€9.90/month
€5/month
€0/month (no monthly fees)
Coste total (1.er año)
Setup + 12 months of service fees
€277.80
€149
€99 (first year) / €59 (first year with Prime)
Detalles de la cuenta
Tiempo de tramitación
Account in ~10 minutes, confirmation after fund transfer (2–4 business days via Fintiba Transfer)
Account in minutes, confirmation within ~24 hours after funds arrive
Account within 2 hours, blocking confirmation within ~1 week (when operational)
Banco asociado
Sutor Bank (Hamburg)
UniCredit (formerly Aion Bank)
Lemonway (French-licensed payment institution) — funds held at Deutsche Postbank or DKB
IBAN alemán
Intereses del saldo
No
No
Not confirmed
Pago con tarjeta de crédito
Servicio y extras
App móvil
Paquete con seguro disponible
Programa de becas
Mejor
Programa de referidos
FAQ
Preguntas frecuentes
Creating your Fintiba account takes about 10 minutes online. After identity verification and payment, your blocking confirmation (Sperrbestätigung) is issued instantly if you pay by credit card. Fund transfers take 2–4 business days via Fintiba Transfer or up to 2 weeks via international bank transfer.
Fintiba charges a one-time setup fee of €159 plus €9.90/month in administration fees. The total first-year cost is €277.80 (€159 setup + €118.80 in monthly fees). These prices were updated on November 3, 2025.
Fintiba Plus includes optional health insurance — you can choose public health insurance (GKV via DAK Gesundheit or BARMER, starting at ~€146/month) or private health insurance (PKV via MAWISTA, starting at €95/month for under-40s). Travel insurance worth up to €95 is also included.
No, Fintiba does not pay interest on the blocked amount (€11,904 for 2026). Your money is held securely at Sutor Bank in Hamburg but does not earn interest.
Yes, Fintiba accepts credit card payments (Visa, Mastercard) for the setup fee. Paying by credit card gives you an instant blocking confirmation, which is faster than waiting for a bank transfer.
The Fintiba Scholarship Programme awards up to €12,000 annually to international students. It is a separate scholarship (not a fee discount) — applicants submit video essays on annual topics. In 2023, five students were selected from nearly 300 applications. You must be a Fintiba customer to apply.
Creating your Expatrio account takes just a few minutes online. Your application is verified within 1 business day. Once your funds arrive (1–5 business days for international transfers), your blocking confirmation letter is generated automatically within approximately 24 hours.
Expatrio charges a one-time setup fee of €89 plus €5/month service fee. The total first-year cost is €149 (€89 setup + €60 in monthly fees), making it €129 cheaper than Fintiba (€277.80/year). The setup fee was increased from €69 to €89 on August 1, 2025.
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