Expatrio
Expatrio Blocked Account
Fastest blocked account confirmation (~24 hours) — free bank account, ISIC card, and insurance bundle included
✓Conforme au visa
Dernière mise à jour: 4 septembre 2026
Ce qui est couvert
Détails des prestations et de la couverture.
Inclus
Fastest confirmation — blocking letter within ~24 hours after funds arrive
Lower setup fee (€119) and monthly fee (€9/month) than Fintiba
First-year cost of €227 — about €51 less than Fintiba (€277.80)
Free German bank account with debit card (Apple Pay, Google Pay)
Free digital ISIC student identity card (valid 1 year)
Value Package with health insurance + travel insurance worth up to €953
Visa rejection refund — full fee refund if visa is denied
Flywire integration for local currency payments
Mobile app available (iOS + Android) in 13+ languages
Non couvert
No interest on deposited funds
No scholarship programme
Customer support can be slower during peak visa season (August–October)
Setup fee increased from €69 to €89 in August 2025
Fees rose in July 2026 (from €89 + €5/month)
FAQ
Questions fréquentes sur 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 €119 plus €9/month service fee. The total first-year cost is €227 (€119 setup + €108 in monthly fees), making it about €51 cheaper than Fintiba (€277.80/year). The setup fee was increased from €69 to €89 in August 2025, then to €119 in July 2026.
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.
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