Expatrio
blocked account provider
Expatrio is a Berlin-based fintech whose "Value Package" bundles a German blocked account (Sperrkonto) with public or private health insurance, free incoming/travel health insurance, a free Expatrio bank account with a digital debit card (Apple/Google Pay), and a digital ISIC card. The blocked account holds the visa proof-of-funds deposit (€11,904 for a 12-month student visa in 2026, released at about €992/month; €1,027/month for Job-Seeker/Opportunity-Card visas) and is opened online before arrival.
As of 7 July 2026 the service fee is €119 to set up plus €9/month (~US$10); health-insurance premiums are quoted separately. Unlike Fintiba, Expatrio ACCEPTS US-tax-status persons (US citizens and green-card holders), subject to FATCA reporting — making it a common choice for Americans studying in Germany.
Some details here are best-available information rather than officially confirmed: monthlyFeeUSD. Spotted an error? Tell us.
Details
- Headquarters
- Germany
- Currencies
- 1
- Monthly Fee
- $10
- Non-Residents
- Accepted
- US Persons
- Accepted
- Debit Card
- Available
- Business Account
- Not available
Opening Requirements
- •Valid passport
- •German student or residence visa application / university admission
- •US-tax-status details for FATCA screening where applicable
Nationality Acceptance Matrix
Who this provider will and will not onboard. Refusals are listed first. Sourced from the provider's own published terms and recent public onboarding reports — confirm with the provider before applying.
| Nationality | Accepted | Notes |
|---|---|---|
| United States | YES | US citizens and green-card holders are accepted but are screened for and subject to FATCA reporting (IRS Form 8938 / FBAR obligations may apply). |
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A neutral walk-through of the US tax obligations that follow American citizens abroad — what they are, when they bite, and how the mainstream planning around each one actually works.
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Countries with zero personal income tax, territorial-only taxation, or special expatriate regimes — and what each one actually requires from you to qualify as a resident.
Exit tax: countries that charge you to leave
Country-by-country reference of departure taxes, deemed-disposition rules, and wealth-locking regimes that trigger when tax residency ends.
Related on The Citizenship Desk
Reference tables
Sources & last verified
- Last verified