Blocked Account and Health Insurance

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

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.

Expatrio is a relocation platform for international students, job-seekers, expats, and more who want to live in Germany. Our digital solution enables you to open a Blocked Account and get health insurance. Those two German visa essentials can be easily secured while you are still in your home country when you use our services.

The Expatrio Value Package is an all-inclusive package for people coming to Germany. The Value Package includes a Blocked Account, free German Bank Account, and your Health Insurance (necessary for your visa application). You will also get other free benefits like an International Student ID, eBooks and guides. By ordering this package, you will save time and money, and make your relocation to Germany as efficient as possible.

Expatrio is a fully digital service. To avail of any of the products offered (Blocked Account, Value Package, Health Insurances) you just need to open our website, choose the product you are interested in, go through the questionnaire to help us tailor the service to your needs, and fill in the application form.

A Blocked Account (Sperrkonto) is a German visa requirement for internationals coming from outside the European Union (EU) and European Economic Area (EEA). The Blocked Account proves that you have adequate financial resources to live in Germany during your stay. Expatrio offers you the opportunity to open a Blocked Account that is accepted by all German authorities worldwide and trusted by over 100k users.

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.

Health Insurance Plus is a special package offered by Expatrio, which combines several insurances (Private or Public Health Insurance, Travel Health/Incoming Insurance, and free benefits). This product offers you essential coverage with some of the best providers.

Expatrio is located in Berlin, Germany. 

As we are a fully digital service, you can always reach out to us online. You can also contact us via phone, should you desire to talk to one of our Customer Service managers. We have a 24-hr response time and are always here to support you with whatever questions you may have.

The list of the partners Expatrio has is constantly growing and can boast names like Techniker Krankenkasse, DR-WALTER, Cohort Go, AION, ELEMENT, Junior Chamber International and more.

Expatrio supports internationals to easily relocate to Germany by offering a Blocked Account, German Bank Account, and your essential Health Insurance coverage for visa application and stay in Germany. You can secure everything online and without any knowledge of German. You are also able to get all your documents accepted by all German authorities worldwide in a few days.

Expatrio services are designed to help people who are planning their relocation to Germany. No matter whether you are an university student, language school student, intern, job seeker, au-pair or tourist, Expatrio will help you overcome the German bureaucracy and prepare the documents required for your visa application.