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.
Blocked Account and Health Insurance
Relocation made easy!
Your all-inclusive package for a seamless start in Germany.
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Stress-free visa preparation for internationals
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Fast, secure, affordable
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Blocked Account + Health Insurance + Travel Health Insurance
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NEW - Includes free German Bank Account. Automatically connected to your Blocked Account.
How Our Customers Feel About Our Service
Start your next chapter in Germany now
Moving to Germany?
Our Value Package takes the stress out of your visa preparation and is designed to make your life easier. Get all your visa needs while in the comfort of your own home.
Secure your German visa: get €69 cashback on your Blocked Account1 , free Travel Health Insurance3, and up to €90 cashback every year2 for three years with TK-Flex.
Now includes our German Bank Account for free. Send, receive, and manage your money in one place. Designed for internationals, we take the stress out of German bureaucracy.
What does Expatrio's Value package offer?
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Fully online Blocked Account opening. Accepted by German authorities worldwide.
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Free Travel Health Insurance. Accepted worldwide.
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Germany’s best Public Health Insurance4
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Award-winning Private Health Insurance4
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Free German Bank Account. No other Bank Account needed!
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Free digital International Student Discount Card (ISIC)
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Accommodation opportunities via the Expatrio app.
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Eligibility to enter the Expatrio Scholarship and win €12,000. One question, 10 amazing prizes!
Cost Breakdown
- Monthly fee: Only €5
- Blocked Account set-up fee: €0 (€69 cashback)1
The Expatrio Value Package includes:
Blocked Account
Fast and secure Blocked Account for your German visa
The Blocked Account (Sperrkonto) is a special type of account that proves you have sufficient financial resources for your life in Germany. It is a mandatory requirement for your visa.
Open your Blocked Account entirely online in just a few minutes. Once funds are received, you will get instant confirmation documentation accepted by all German authorities.
Here are just some of the perks of Expatrio's Blocked Account:
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Simple, fast, secure service + €69 cashback1
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The option to transfer your funds in your local currency
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24hr Customer Support response time
Health Insurance bundle
Personalized health insurance coverage
Get comprehensive health insurance coverage from some of the best providers in Germany. Not only is our bundle accepted for your visa application, but it is also tailored to meet your needs, and covers you for your entire time in Germany.
Included in the bundle:
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Free Travel Health Insurance (also known as Incoming Insurance)3
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Award-winning4 Public or Private Health Insurance, depending on your individual situation
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Customizable coverage and cashback opportunities
Bank Account
Your free German Bank Account
Send, receive, and manage your money in one place. Directly connected to your Blocked Account. Zero fees and no minimum balance required. Designed for internationals in Germany, and included in the Expatrio Value Package. No other Bank Account is needed for your life in Germany!
Why choose us?
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No Residence Permit needed for opening.
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Get a free digital debit card, accepted globally. Apple Pay or Google Pay at your fingertips.
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Your money is always protected up to €100,000 with the European Deposit Protection Scheme.
Expatrio Value Package
Simplify your move to Germany with Expatrio's Value Package! Get your mandatory Health Insurance + Blocked Account + free German Bank Account, and other free benefits!
How to get your Value Package
Apply online
Apply for the Expatrio Value Package and receive your visa-mandatory Blocked Account and Health Insurance plus other free benefits.
Transfer funds
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. No other Bank Account is needed!
Get your Value Package cashback
Once you've activated your Blocked Account and Health Insurance, get your €69 cashback directly into your German Bank Account. Just click 'payout cashback' on the Expatrio User Portal.
"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
How Our Customers Feel About Our Service
Value Package explained
Check out our video for all the details about our Value Package, including the most frequently asked questions.
Expatrio’s Value Package is brought to you by strong partners
At Expatrio, we only work with trusted partners who share our passion for supporting internationals relocating to Germany. Our Blocked Account partners are Aion Bank and Cohort Go, and our health insurance providers are Techniker Krankenkasse (TK), ottonova, and DR-WALTER. Together we provide you with all you need for the best start in Germany. partner-tk-focus-money.
The renowned Focus-Money magazine has awarded Techniker Krankenkasse (TK) as the best German statutory health insurance fund (Public Health Insurance) 17 times in a row (07/23) and as the best health insurance fund for students (07/23)4. DR-WALTER has been awarded as a Star Insurance provider4.
ottonova has been awarded 1st place in the service and customer satisfaction categories three times in a row by Kubus.4.
Free Studies in Germany
Top Questions, Top Answers, Free eBook Download
Can you study for free in Germany? Find the answer in this free ebook and other information such as public universities in Germany and tips to save money.
FAQs
What is the Expatrio Value Package?
The Value Package is an exclusive offer designed by our dedicated experts at Expatrio, specifically tailored for internationals coming to Germany. This comprehensive package includes the required essentials for your German visa.
Not only is it a holistic solution, but it is also highly cost-effective, ensuring you get the most value for your money.
What are the benefits of the Value Package?
Firstly, the Value Package allows you to get everything within only one online application. The information you provide once is automatically transferred to all the products that you get. Secondly, you can save up to €269*by ordering the Value Package. See terms and conditions for more.
New: What is the required blocked amount for 2024?
Starting in 2024, the standard amount of money you need to fund your blocked account is increasing to €992 per month (€11,904 for a 12-month visa).
If you are on a Job-Seeker or Opportunity Card visa, the blocked amount is €1,027 per month.
This increase is decided by the German authorities, and is based on the new Bafög rate for 2024. You can read all about it here in our helpful article.
What products are included in the Value Package?
The Expatrio Value Package includes your Blocked Account, choice of Public or Private Health Insurance, free Travel Health Insurance (also known as Incoming Insurance), our free German Bank Account, and your free International Student Identity Card (ISIC).* We also offer resources such as free eBooks, checklists, and guides to Germany.
What is the difference between a Blocked Account and a Bank Account?
A Blocked Account and a Bank Account are two different types of accounts. You need a Blocked Account to get your German visa, and a Bank Account to manage your money once you're in Germany.
Blocked Account:
A Blocked Account (Sperrkonto) is required to show the German authorities that you have enough money to live in Germany. The money in this account is 'blocked,' meaning you cannot use it until you arrive in Germany. Once you're in Germany, you need a Bank Account to access this money.
Bank Account:
A Bank Account, also called a ‘current account (Girokonto),’ is used for your daily expenses in Germany. You can use it to pay for rent, groceries, health insurance, and more. You’ll get a free digital debit card, and you can also choose to get a physical card if you would like.
When you get to Germany, your monthly payouts will be sent automatically from your Blocked Account to your Bank Account, arriving instantly.
With Expatrio, you get this German Bank Account for free with your Blocked Account, so you don't need another German Bank Account.
How much does Expatrio’s Value Package cost?
The Expatrio Value Package is only €5 per month. You also pay a Blocked Account set-up fee, but this amount is returned as cashback after you activate your Blocked Account. Please keep in mind that your monthly health insurance premiums are tailored individually and will be calculated and shown according to the information provided during your application on our website. You can find more information on what each product costs on our Help Centre.
Otherwise, wow much could each product cost?
Depending on the provider, if you were to purchase each item from the Value Package separately instead of taking advantage of our package deal, here is the price breakdown:
- Blocked Account - Up to €89 set up fee
- Bank Account - Up to €10 monthly
- Incoming Insurance/Travel Health Insurance - €33 monthly
- Health Insurance - around €100+ monthly for university students (depending on personal profile) - ISIC card - €15 per year
In comparison, the Expatrio Value Package is only €5 per month. You also pay a Blocked Account set up fee, but this amount is returned as cashback after you activate your Blocked Account!
What is TK-Flex?
TK-Flex is an elective tariff that allows you to opt out of certain health insurance services as part of your TK health insurance coverage. In return, you receive cashback for every service you opt out of. You can choose to opt out of a maximum of five services out of seven. You can find more information on our TK-Flex page.
Do I need to provide an IBAN or other bank details to access my Blocked Account payouts?
No, with Expatrio you get your Blocked Account and German Bank Account all on one app. You do not need to enter any additional banking details.
Your monthly Blocked Account payouts will be automatically sent to your Bank Account, both accounts are included in the Value Package.
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.
Footnotes
[*] 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. Upon opening your Bank Account, you will be given a timeframe by which a residence permit is required. This timeframe will depend on your visa expiration date. Once you upload your residence permit within the given timeframe, you will be granted permanent access to your Bank Account and all the amazing benefits that come with it.