Fintiba
Fintiba Blocked Account
Germany's most established blocked account provider — insurance bundle, scholarship program, and multi-language support
✓Visa Compliant
Last updated: March 20, 2026
What's Covered
Benefits and coverage details.
Included
Most established provider — trusted by students from 200+ countries
Health insurance bundle available (GKV via DAK/BARMER or PKV via MAWISTA)
Travel insurance worth up to €95 included in Fintiba Plus
Credit card payment accepted (instant blocking confirmation)
Multi-language support (English, German, Chinese, Arabic, Turkish)
Mobile app for iOS and Android with document management
Scholarship programme — up to €12,000 awarded annually
Referral programme — earn €10 per referral
Not Covered
Highest setup fee at €159 (increased from €89 in November 2025)
Highest monthly fee at €9.90/month (€118.80/year)
Most expensive total first-year cost at €277.80
No interest on deposited funds
Fund transfer can take up to 2 weeks via international bank transfer
FAQ
Frequently Asked Questions about Fintiba Blocked Account
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.
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