Fintiba
blocked account provider
Fintiba is a Frankfurt-based fintech that provides a German "blocked account" (Sperrkonto) — the frozen deposit German missions require as proof of funds for student and some residence visas (€11,904 for a 12-month student visa in 2026, released at about €992/month) — optionally bundled with statutory or private health insurance.
The blocked account is euro-only and can be opened online with only a passport before you arrive in Germany. Fees for accounts opened from late 2025 are roughly €159 to set up plus about €9.90/month (~US$11), and a small transfer buffer is recommended.
Important: Fintiba does NOT accept US-tax-status persons (US citizens or green-card holders) because of FATCA/anti-money-laundering rules — US applicants should use Expatrio or another provider. The blocked account itself carries no debit card; a separate current account (with a card) is opened after you reach 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
- $11
- Non-Residents
- Accepted
- US Persons
- Not accepted
- Debit Card
- Not available
- Business Account
- Not available
Opening Requirements
- •Valid passport
- •Opened online before arrival as proof of funds for a German student or residence visa
- •Additional documents may be requested depending on nationality or visa type
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 | NO | US-tax-status persons (US citizens and green-card holders) cannot open a Fintiba blocked account, per Fintiba, due to FATCA/AML restrictions. Use Expatrio instead. |
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Reference tables
Sources & last verified
- Last verified