Expatrio Blocked Account

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.

Yes, Expatrio includes a free German bank account (via UniCredit, formerly Aion Bank) with a German IBAN and a free debit card that supports Apple Pay and Google Pay. Your monthly blocked account payouts of €992 are transferred to this account automatically.

The Value Package bundles your blocked account with health insurance (public or private options), travel/incoming insurance worth up to €953, a free digital ISIC student identity card, up to €90 cashback on insurance, and in-app accommodation search.

Expatrio offers a full fee refund if your German student visa application is rejected. You receive a money-back guarantee covering the setup and service fees.

Expatrio partners with UniCredit (formerly Aion Bank) for both blocked accounts and free bank accounts. You receive a German IBAN, and your funds are held securely in Germany. The transition from Aion Bank to UniCredit had no impact on existing accounts.