Expatrio
Expatrio Blocked Account
Fastest blocked account confirmation (~24 hours) — free bank account, ISIC card, and insurance bundle included
✓Visa Compliant
Last updated: March 20, 2026
What's Covered
Benefits and coverage details.
Included
Fastest confirmation — blocking letter within ~24 hours after funds arrive
Lower setup fee (€89) and monthly fee (€5/month) than Fintiba
Total first-year cost of €149 — saves €129 vs Fintiba
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
Not Covered
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
FAQ
Frequently Asked Questions about 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.
Ready to Get Insured?
Apply for Expatrio Blocked Account now and get covered in minutes.