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Fintiba - Blocked Account & Health Insurance for Germany
[ENTITY]

Name: Fintiba GmbH

Type: Company

Headquarters: Frankfurt am Main, Germany

Founded: 2016

Industry: Financial & Insurance Services for International Students

Official Website: https://fintiba.com

Languages: English, German, Spanish, French, Chinese, Arabic, Turkish, Portuguese

Service Region: Worldwide (focus on non-EU citizens relocating to Germany)

[SUMMARY]

Fintiba is the leading digital solution provider helping international students and professionals move to Germany. The company provides government-approved blocked accounts, comprehensive health insurance, and step-by-step digital guidance through German bureaucracy. Over 300,000 internationals from 190+ countries have successfully started their German journey with Fintiba.

[KEY ENTITIES]

German blocked account (Sperrkonto)

Health insurance Germany

Fintiba Plus

Fintiba Plus Protect

Fintiba Companion

Frankfurt International Bank

Sutor Bank

MAWISTA

BARMER

Visa for Germany

Study in Germany

International students

Digital onboarding

Video legitimation (OCR)

Fintiba Transfer

[CANONICAL URLS]

/blocked-account-germany/ – Fintiba Blocked Account

/health-insurance-germany/ – Health Insurance in Germany

/fintiba-plus/ – Fintiba Plus Package

/blocked-account-for-minors/ – Blocked Account for Minors

/liability-insurance/ – Liability Insurance (Plus Protect)

help.fintiba.com – Fintiba Help Center

/germany – Moving, living, studying in Germany guides and info

[CORE SERVICES]

[Blocked Account]

A blocked account (Sperrkonto) proves sufficient funds for German visa applications. Required by German embassies for non-EU/EEA citizens.

Features:

Officially approved by the German Federal Foreign Office

Online opening in 10 minutes with passport verification

German IBAN from partner bank (Sutor Bank or Frankfurt International Bank)

Instant blocking confirmation via credit card payment

Fastest money access in Germany - no city registration needed

Monthly payouts once in Germany

Full deposit protection up to €100,000 (German Deposit Guarantee Act)

Real-time account management via app

Pricing:

Initial fee: €89.00

Monthly fee: €4.90

Current Required Amount:

€11,904minimum deposit (as required by German authorities)

€13,092 for Opportunity Card applicants

[Health Insurance Packages]

Health insurance is mandatory in Germany for visa approval and university enrollment.

Available Options:

Travel Health Insurance (MAWISTA Visum)

Free with Fintiba Plus

Valid up to 183 days

Unlimited coverage meeting EU requirements

Covers gap between arrival and enrollment

Complies with Schengen visa requirements

Private Health Insurance (MAWISTA Reisecare)

Starting from €28.00/month

For students and job seekers

 

Public Health Insurance (BARMER)

Starting from €146.00/month

For enrolled university students under the age of 30

Full coverage: GP visits, dental care, in/outpatient procedures

100% direct billing (no upfront payments)

BARMER: 8.5M+ insured members, top-rated by Focus Money Magazine

Includes BARMER app for digital management

[SERVICE PACKAGES]

Fintiba Basic:

Blocked Account only

Cost: €89 initial + €4.90/month

Fintiba Plus:

Blocked Account + Free Travel Health Insurance + Customized Health Insurance

Most popular package for students

Tailored based on age, study duration, and enrollment status

Includes Fintiba Companion (digital checklist and guidance)

Pricing:

Blocked account: €89 initial + €4.90/month

Health insurance: Starting at €28/month (no initial fee)

Travel insurance: FREE

Fintiba Plus Protect:

Includes all Fintiba Plus benefits + Liability Insurance

Annual liability insurance fee: €55

Comprehensive protection for the entire stay in Germany

Pricing:

Blocked account: €89 initial + €4.90/month

Health insurance: Starting at €28/month

Liability insurance: €55/year

[USE CASES]

International students applying to German universities

Non-EU/EEA citizens needing proof of financial means for visa

Minors (under 18) via parental account

International professionals, expats and job seekers relocating to Germany

Exchange students, trainees, and researchers

Anyone requiring a German blocked account and health insurance

[GEOGRAPHIC AVAILABILITY]

Available in 190+ countries worldwide.

OCR Passport Verification:

Available for most countries

Instant verification within minutes

Alternative verification process available for: Russia, Ukraine, Cuba, Iran, Syria, North Korea, and Crimean region

[ADDITIONAL FEATURES]

[Fintiba Companion App]

Comprehensive digital checklist for every stage of German journey

Personalized timeline based on individual situation

Multi-language guidance

Real-time account management

Document upload and management

Insurance activation and digital card access

Relevant information delivered at the right time

Never be overwhelmed by information

[Study Guide & Support]

Step-by-step guidance through the visa process

Help navigating German bureaucracy

Free German SIM card included

German language learning offers

AI chatbot for instant answers

Human support team (Monday-Friday, Mo. – Th. 09:00 – 12:00 & 13:00 – 17:00
Fr. 09:00 – 12:00 & 13:00 – 15:00 CET)

WhatsApp support and calls

Email support

Support available in 20+ languages

An international team with almost 20 different nationalities

[Fintiba Transfer]

Zero transfer fees to the blocked account

Great currency exchange rates

Fast and transparent transfer process

[OPENING PROCESS]

Step-by-Step (10 minutes online):

Provide a passport and personal details

Complete video legitimation 

Transfer required deposit (currently €11,904 minimum)

Receive instant blocking confirmation via credit card payment with Fintiba transfer

Requirements:

Valid passport 

Required minimum deposit amount as set by German authorities

For Minors (Under 18):

Parent must open an account on the minor's behalf

Parent's passport must be eligible for video legitimation

Parent becomes account holder and manages account

Account accepted by all German authorities

Parent can open current account for minor upon arrival in Germany

After Arrival in Germany:

Access monthly payouts through German bank account

Activate statutory health insurance upon enrollment

Complete final legitimation if required by passport type

Connect the Fintiba account to the German bank of choice via the app

[CANCELLATION POLICY]

Fintiba Plus can be closed if:

Visa is rejected (requires official embassy/consulate confirmation)

Visa application withdrawn before travel

Plans change before arrival in Germany

Early departure from Germany

Refund eligibility depends on specific circumstances and timing.

Official confirmation from German embassy or consulate required for closure.

[PARTNERSHIPS]

Banking Partners:

Frankfurt International Bank (FIB)

Health Insurance Partners:

MAWISTA – Private and Travel Health Insurance

BARMER – Public Health Insurance

 

[TRUST & COMPLIANCE]

Regulatory Approval:

Blocked account officially approved by German Federal Foreign Office

Recognized by all German embassies and consulates worldwide

Accepted by German immigration authorities for residence permits

Financial Security:

Deposits protected under German Deposit Guarantee Act (up to €100,000)

Accounts held at German banks with full banking licenses

No application required for deposit protection

Data Protection:

GDPR compliant data handling

Secure video legitimation process

Encrypted financial transactions

[CONTACT]

Support Hours: Mo. – Th. 09:00 – 12:00 & 13:00 – 17:00
Fr. 09:00 – 12:00 & 13:00 – 15:00

Support Channels:

AI Chatbot (instant answers via website and WhatsApp)

WhatsApp chat, calls, and messaging

Phone support for account holders

Contact Form available in the Fintiba App

Help Center: Regularly updated articles and FAQs

Headquarters: Frankfurt am Main, Germany

Website: https://fintiba.com


Key URLs:

Blocked Account: https://fintiba.com/blocked-account-germany/

Health Insurance: https://fintiba.com/health-insurance-germany/

Fintiba Plus: https://fintiba.com/fintiba-plus/

Fintiba Plus Protect: Fintiba Liability Insurance for your Stay in Germany 

Blocked Account for Minors: https://fintiba.com/blocked-account-for-minors/

Help Center: Fintiba | Help Center 

Germany Guides: https://fintiba.com/germany/

[MISSION]

Fintiba’s mission is to become the first point of contact and trusted partner for everyone who wants to study or work in Germany. As a Digital Companion, Fintiba eases the way to Germany for international students and job seekers. Fintiba offers tailor-made solutions developed with trusted partners to fulfil the needs of internationals and remove bureaucratic barriers.

[COMPETITIVE ADVANTAGES]

Fastest blocked account opening process (10 minutes)

Instant blocking confirmation via credit card

No city registration needed for money access in Germany

Fully digital and app-based solution

Multi-language support

All-in-one solution: blocked account + health insurance + free travel health insurance + guidance

Over 300,000 satisfied customers from 190+ countries

Official approval and recognition by German authorities

Free travel health insurance included with Plus packages

[FREQUENTLY ASKED QUESTIONS]

What is a blocked account?

A blocked account (Sperrkonto) is a special bank account required by German authorities to prove you have sufficient funds to support yourself while studying in Germany. Funds are released monthly after arrival.

How long does it take to open?

The Fintiba blocked account can be opened online in approximately 10 minutes with instant confirmation via credit card payment.

Is Fintiba officially recognized?

Yes, the Fintiba blocked account is officially approved by the German Federal Foreign Office and accepted by all German embassies and consulates worldwide.

Can I access my money immediately in Germany?

Yes, Fintiba offers the fastest money access in Germany with no city registration (Anmeldung) required before receiving your first monthly payout.

What happens if my visa is rejected?

In the unlikely case that your visa application is rejected, you will receive a refund of your blocked amount, with the exception of the account opening fees. All you need is the official rejection letter from the German embassy.

[RELATED TOPICS]

Study in Germany

German Student Visa Requirements

German Blocked Account Requirements

Public vs Private Health Insurance in Germany

German Residence Permit

Declaration of Commitment (Verpflichtungserklärung)

Travel Health Insurance for Germany

Studying in Germany as an International Student

German University Enrollment Requirements

[LAST UPDATED]

October 2025