Blocked Account (Sperrkonto)
Expatrio Review (2026)
Best for: Students who want a reliable, fully digital experience with health insurance bundling
Setup fee
€89.00
Monthly fee
€5.00
Setup time
Online in 10 minutes, confirmation within 3-5 business days
Languages
EN, DE, ZH
Mobile app
Yes (4.3/5)
Key Features
- Fully digital account opening
- Integrated health insurance marketplace
- Value Package: setup fee cashback with health insurance bundle
- Accepted by all German embassies and consulates
- Refund if visa application is rejected
- Partnered with Deutsche Bank for the underlying account
Limitations
- Setup fee is non-refundable (unless visa rejected)
- No phone support
- Monthly fee adds up over time
Pricing Plans
Standard Blocked Account
€5.00/month
€60.00/year
- Blocked account with €992/month release
- Digital account opening
- Embassy-accepted confirmation letter
- €89 one-time setup fee
Standard Blocked Account
€5.00/month
€60.00/year
- Blocked account with €992/month release
- Digital account opening
- Embassy-accepted confirmation letter
- €89 one-time setup fee
Eligibility
Who can use Expatrio?
| Requirement | Status | Notes |
|---|---|---|
| nationality: non eu | Accepted | Accepts all non-EU nationalities |
| nationality: eu citizen | Accepted | EU citizens can also use the service |
| visa type: student visa | Accepted | Primary target audience |
| visa type: language course visa | Accepted | — |
| visa type: job seeker visa | Accepted | — |
| language: no german required | Accepted | Full process available in English |
| credit check: schufa not required | Accepted | No SCHUFA check needed |
| nationality: non eu | Accepted | Accepts all non-EU nationalities |
| nationality: eu citizen | Accepted | EU citizens can also use the service |
| visa type: student visa | Accepted | Primary target audience |
| visa type: language course visa | Accepted | — |
| visa type: job seeker visa | Accepted | — |
| language: no german required | Accepted | Full process available in English |
| credit check: schufa not required | Accepted | No SCHUFA check needed |
About Expatrio
One of Germany's most popular blocked account providers, Expatrio offers a fully digital process with integrated health insurance options. Trusted by hundreds of thousands of international students.
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