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Free German Bank Account

Study Hard, Bank Easy!

Easy banking for a brighter life in Germany.

Send, receive, and manage your money in one place with our Bank Account in the Expatrio Value Package.

  • Free German Bank Account for your life in Germany.
  • Seamlessly opened together with your Blocked Account, no German Residence Permit needed for opening.
  • Protected up to €100,000. Free digital Mastercard. Tailored for internationals.

How our customers feel about our Bank Account


"I think it’s the best way for students. You receive your physical card, you can add your virtual card to your wallet, and enjoy your time without worrying about added problems. Thank you Expatrio team ❤️"


XP CA Testimonial

"Had a very smooth experience using the banking app."



"The Bank account works just like a traditional bank account. Online payment is fast and reliable."


Banking tailored for internationals

Welcome to seamless banking in Germany!

Whether you're an international student, a working professional, on the job hunt, or just thinking of relocating to Germany for a fresh start - we understand the need for a hassle-free financial experience during your time here. 

With Expatrio, you can say goodbye to endless paperwork and hello to a secure, easy-to-manage Bank Account tailored to your international lifestyle. Easily manage your German income, rent, and purchases without foreign transaction fees.

Open both your Blocked Account and Bank Account at the same time, and get your visa-mandatory Health Insurance in just a few minutes with the Expatrio Value Package.

Why should you choose this Bank Account?

  • Free German Bank Account. Send, receive, and manage your money in one place. Zero fees. No minimum balance required.
  • Seamless Account Opening. Open a German Bank Account together with your Blocked Account in just a few minutes. Fully online. No other Bank Account needed. No Residence Permit needed for opening.6
  • Protection up to €100,000. Your money is always protected with the European Deposit Protection Scheme.
  • Tailored for Internationals. Designed to make your life as an international in Germany easier. Multi-Language Customer Support is just a few clicks away.
  • Free Digital Mastercard. Free digital debit card to use with your smartphone right away. Accepted globally. Apple Pay or Google Pay at your fingertips.

Ready for a banking experience as mobile as you are?

  • 3 free ATM withdrawals per month in Germany and the rest of the EU.
  • Once you get to Germany, activate and use your free digital Mastercard. Accepted worldwide.
  • Physical bank card available, for just a small added fee.
  • Manage your money on your terms, anytime, anywhere. Receive your salary, pay in-store, set up direct debits and much more.
  • Get your visa essentials and German Bank Account all at once with the Expatrio Value Package.
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How Our Customers Feel About Our Service

How to open your Bank Account

This Bank Account is available to Blocked Account and Value Package customers of Expatrio.



Apply for the Expatrio Value Package and receive your visa-mandatory Blocked Account and Health Insurance plus other free benefits.                                                                             


Transfer funds

Once your Blocked Account is open, you can transfer your blocked amount to it. With Expatrio Payment, you can transfer the funds in your local currency if you wish.


Instant confirmation

Once your funds are received, you will get an instant blocking confirmation. 
Download your Blocked Account and Health Insurance confirmation or your visa appointment.


Activate your products

Activate your Blocked Account, free German Bank Account, and Health Insurance via the Expatrio User Portal in one simple process once you arrive in Germany. Your Blocked Account payouts will be automatically deposited to your free German Bank Account with Expatrio on a monthly basis. Nothing else required.


Get your Value Package cashback!

Once you've activated your Blocked Account and Health Insurance, get your €49 cashback directly into your German Bank Account. Just click 'payout cashback' on the Expatrio User Portal.

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

"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


Value Package

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

  • German Blocked Account for only €5 per month (€49 cashback on set up fees).1
  • Instant payouts from your Blocked Account to your free German Bank Account included in this package.
  • Up to €90 cashback every year for three years with TK-Flex.2
  • Free Travel Health Insurance for your visa worth up to €953. Accepted worldwide.
  • Germany’s best Public Health Insurance with English-speaking service and bonus program.4
  • Award-winning Private Health Insurance with extensive coverage.5
  • Free ISIC access to worldwide discounts (worth up to €15).*

Your German Bank Account 

Open your free German Bank Account as part of the Expatrio Value Package and take control of your financial future in Germany.

Experience seamless Banking

Your finances in Germany, all in one app.


Studying in Germany

A comprehensive guide for international students



Why do I need this Bank Account?

Is this Bank Account trustworthy?

How do I open a Bank Account?

Is the Bank Account free?

Can I get a physical bank card?

Who is the Bank Account available to?

Can I add my Expatrio Mastercard to my Apple and Google Wallet?

Free Downloads!

We are here to make everything easier for you.

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

Go to expatrio library


[*] Up to €249 savings consists of: €49 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 €49 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] In the issue 07/2023, Focus-Money business magazine awarded TK “Best Student Health Insurance Fund”.

[5] DR-WALTER has been awarded the Super Star Award by the Study Travel Magazine.

[6] 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.

[7 ] Only available to selected countries.