Expatrio Blocked Account

Creating your Expatrio account takes just a few minutes online, and Expatrio reviews and approves applications within one business day. Once your funds arrive (international transfers usually take 3–5 business days, domestic transfers 2–3), your blocking confirmation is available for download immediately.

Expatrio charges a one-time setup fee of €119 plus a €9/month service fee (since 7 July 2026). The total first-year cost is €227 (€119 setup + €108 in monthly fees), making it about €51 cheaper than Fintiba (€277.80/year).

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), free travel/incoming insurance (up to 92 days, worth up to €95), a free digital ISIC student identity card for 12 months (usually €18) and a free German bank account.

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.