Blocked Account and Health Insurance

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.

The Value Package is your all-in-one solution for your visa and life in Germany. With just one application you will receive your:
- Blocked Account
- Travel Health Insurance
- Health Insurance for German daily life
- Expatrio Bank Account for managing your finances in Germany 
- Cashback of €69*

In 2025, 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 set in 2024. You can read all about it here in our helpful article.

You can transfer more than this amount if necessary. For example, if your Blocked Account needs to cover 18 months, you should transfer the required amount for each of the 18 months. For a student, this would be 18 x €992, totaling €17,856.  For more information, visit our Help Center here.

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 Expatrio Bank Account, and your free digital International Student Identity Card (ISIC).* We also offer resources such as free eBooks, checklists, and guides to Germany.

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.

 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.

The Value Package bundles your products together, so you get a cheaper price! If you decide to purchase these separately from another provider, here are the potential higher prizes you may end up paying:

- Blocked Account with other providers- Up to €89 set up fee
- Bank Account with other providers- Up to €10 monthly
- Incoming Insurance/Travel Health Insurance with other providers- €33 monthly
- ISIC card with other providers- €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!

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.

No, with Expatrio you get your Blocked Account and Expatrio 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 Expatrio Bank Account, both accounts are included in the Value Package. 

Yes you can transfer more! With Expatrio you have the flexibility to transfer more than your required blocked amount. You can transfer up to €25,000 to your Blocked Account.

Note: Any amount above your official blocked amount will be paid out to you fully, together with your first monthly payout after you activate your Blocked Account.