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Blocked Account and Health Insurance

Fast, Secure, Affordable

The all-in-one solution for internationals coming to Germany. 

Fulfill your visa requirements stress-free with Expatrio. Forget about language barriers and German bureaucracy. Simplify the whole process with our Value Package and multi-lingual support. 

  • Get your Blocked Account + Health Insurance
  • NEW - Includes free German Bank Account.
    Automatically connected to your Blocked Account.
  • 100% digital and tailored to you
  • Save time and money

"Overall, the simple and convenient user experience and reliable service have left a positive impression on me since I started using Expatrio two years ago."

Jiahui Yue
Master's Degree in English Linguistics and Transcultural Studies


"Expatrio made everything easier for me, from being informed to going through the blocked account process, getting health insurance that was not rejected by the immigration offices and not having any problems at the airport."

Karla Morales
Graduate from Medical School


"With Expatrio, I was able to open a Blocked Account in just a few simple steps. With my Blocked Account in place, I was able to obtain my student visa and make my move."

Parag Nirwan
Master's Degree in Applied Computer Science

Expatrio Packages

Blocked Account

Fast, secure, affordable. Open online in just a few minutes

  • Blocked Account in your name with German IBAN
  • Accepted by all German authorities worldwide
  • Bonus: Get a free German Bank Account, automatically connected to your Blocked Account.
  • Cheap local currency transfer options with Expatrio Payment
  • Highest security standards and protection
  • Trusted by 200k+ users all over the world
  • All-in-One app for life in Germany
  • Cost Breakdown
  • Monthly fee: Only €5
  • Blocked Account set-up fee: €69

Value Package

Your all-in-one solution for just €5/month!

Unlock up to €269* worth of free benefits with the Expatrio Value Package

  • New: includes our free German Bank Account
  • German Blocked Account accepted by all German authorities
  • Award-winning public or private health insurance coverage4
  • Free Travel Health Insurance worth up to €953
  • Up to €90 cashback with your personalized health insurance2
  • Instant Blocked Amount confirmation once funds are received
  • 24hr customer response time
  • All-in-One app for life in Germany
  • Free International Student ID Card (Digital ISIC) worth up to €15*
  • Free eBooks and resources for life and studies in Germany
  • In-app access to top-tier accommodation for internationals
  • Cost Breakdown
  • Monthly fee: Only €5
  • Blocked Account set-up fee: €0 (€69 cashback)1

Health Insurance

Health insurance for your visa and stay in Germany

  • Incl. free Travel Health Insurance3
  • Immediate confirmation for visa application and university enrollment
  • Best Public German Health Insurance4
  • Award-winning Private Health Insurance4
  • Doctor appointment service & live chat
  • Extensive coverage incl. vaccinations
  • All-in-One app for life in Germany

Take the stress out of your visa

Secure your relocation-to-Germany package, get cashback, and free benefits with Expatrio’s Value Package. 

Get your Value Package

Blocked Account, Health Insurance, Bank Account & More


Blocked Account

Fast and secure Blocked Account for your German visa

Our Blocked Account (Sperrkonto) is accepted by all German authorities worldwide. It is a visa requirement to prove you have sufficient financial resources for your stay in Germany. 


Health Insurance bundle

Personalized health insurance coverage

Our Health Insurance Plus package offers you tailored and customizable healthcare coverage. Our public and private insurance partners are award-winning and trusted by thousands. Plus, get free Travel Health Insurance.

Expatrio illustration using ATM

Bank Account

Your free German Bank Account for everyday use

Send, receive, and manage your money in one place. Directly connected to your Blocked Account, including a German Identification Bank Account Number (IBAN) often required to make payments in Germany. Zero fees. No minimum balance required. Designed for internationals, and included in the Expatrio Value Package.


Value Package

Expatrio's exclusive €5/month deal. 

Our all-inclusive offer for an easy start in Germany. Open your Blocked Account, free German Bank Account, and get your necessary Health Insurance coverage for your visa and studies in Germany. Plus, other free perks like ISIC card and cashback opportunities.

Need a German visa? You need Expatrio!

Are you moving to Germany for university or for preparatory courses (Studienkolleg)? Maybe you will au-pair, attend a language course, or search for a job?

Whatever brings you to Germany, you'll be covered with Expatrio. Skip the paperwork and the queues - secure your visa needs online.

Get YOur Value Package

My Life in Germany as an Indian

Watch as Meetul from India shares his story of studying in Germany and how he started his professional career here.  


Value Package

Your all-inclusive package for an easy start in Germany.

  • German Blocked Account for only €5 per month (€69 cashback on set up fees).1
  • Up to €90 cashback every year for three years with TK-Flex.2
  • Free Travel Health Insurance for your visa worth up to €95. Accepted worldwide.3
  • Germany’s best Public Health Insurance with English-speaking service and bonus program.4
  • Award winning Private Health Insurance with extensive coverage.4
  • Free German Bank Account for your life in Germany.
  • Free digital ISIC with access to worldwide discounts (worth up to €15).*
  • Accommodation opportunities via the Expatrio mobile app

How Our Customers Feel About Our Service

Expatrio Value Package

Simplify your move to Germany with Expatrio's Value Package! Get your mandatory Health Insurance, Blocked Account, free German Bank Account, plus other free benefits!

Get Value Package

All-in-One app for Relocation to Germany

Blocked Account, Health Insurance, German Bank Account, and much more!


Tips & Insights from the Expatrio Blog

German food, german sausage and german beer

German Food

ExpatrioFeb 15, 2024 10:39:37 AM

German traditional food and drink is almost certainly more exciting than most new residents and visitors expect it to be. Whilst there are regional...

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Funny German Words

ExpatrioFeb 15, 2024 10:51:38 AM

Despite stereotypes of clipped speech and clinical precision, German is an expressive, clever, and often very amusing language. Its dictionary is...

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Different German Residence Permits

ExpatrioFeb 15, 2024 11:00:11 AM

Germany is a popular destination for immigrants due to its strong economy and high standard of living. If you are looking to move to Germany, in many...

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German Holidays and Celebrations

ExpatrioFeb 15, 2024 10:59:56 AM

Germany enjoys a number of national and regional public holidays and other festivities that take place throughout the year. Those moving to Germany...

A book with letters which symbolizes learning german language and grammar

German Alphabet and Grammar | Top Tips

ExpatrioFeb 15, 2024 10:52:48 AM

The German alphabet contains notable differences when compared to English, but it's not too complex to learn. If you have already been writing or...

German flag representing living in Germany

German Culture

ExpatrioFeb 15, 2024 10:40:09 AM

Germany is home to over 80 million people – as well as a diverse array of religions, customs, and traditions that make up the rich national psyche....

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German Months

ExpatrioFeb 15, 2024 11:00:01 AM

Fundamental to learning any language is becoming familiar with how to talk about days, weeks, months, and years. Mastering how to communicate about...

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Driving licence in Germany for foreigners

ExpatrioFeb 15, 2024 10:51:23 AM

Have you ever wondered how to get a German driver's license at a certified driving school?

Ein Taschenrechner und eine deutsche Gehaltsabrechnung

German Tax System

ExpatrioFeb 15, 2024 10:40:26 AM

Before you move to Germany, it’s good to be familiar with the taxation system – this will be of utmost importance to those who will be working in the...


What is Expatrio?

What is the Expatrio Value Package?

How does Expatrio's service work?

What is the Blocked Account?

What is Expatrio Health Insurance Plus?

Where is Expatrio located?

Who are the partners of Expatrio?

Why should I use Expatrio?

Who can use Expatrio services?

Free Downloads!

We are here to make everything easier for you.

Find eBooks, checklists, and many more resources to help you with your life in Germany.

Go to expatrio library
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Did you know you can use your Expatrio digital debit card directly via your smartphone wallet with  Apple Pay?


[*] Up to €269 savings consists of: €69 cashback on Blocked Account set-up fees + up to €90 TK-Flex cashback + free travel health insurance worth up to €95 + free digital ISIC card worth up to €15. This offer is only valid for customers who apply for the Value Package. Expatrio reserves the right to cancel this promotion at any point in time. Special terms and conditions apply.

[1] Value Package customers can receive their €69 cashback after activating both their Blocked Account and Health Insurance.

[2] TK-Flex is an elective tariff and only available for eligible TK health insurance customers. Once the TK membership is activated, TK-Flex can commence. Expatrio will provide the customer with detailed guidelines on how to do this. Within TK-Flex, users have the option to deselect/opt out of services they do not need. In return, there is a cashback bonus of up to €90 per year. However, if the services are needed after all, TK customers can reactivate their health insurance coverage by paying a deductible of €24 per service (up to €120) per year. Please refer to our TK-Flex page for more information. 

[3]  Free Incoming/ Travel Health Insurance coverage for up to 92 days as part of the Value Package for eligible customers worth up to € 95.00.

[4] Focus Money has awarded TK the 'Best Student Health Insurance Fund,' Study Travel Magazine has awarded DR-Walter the 'Super Star Award'', and Kubus has awarded ottonova first place in the service and customer satisfaction categories three times in a row.

[5] Without a Residence Permit, you will have temporary access to your Bank Account. By uploading your Residence Permit within the specified time frame (approximately 6 months), you will get permanent access to your Bank Account and all of the amazing benefits that come with it.