Loans & Accounts · Germany
Expatrio vs Fintiba vs Coracle: German Blocked Account Total Cost Comparison 2026
Updated 31 August 2026
About This Guide
Head-to-head comparison of official German blocked account providers. Setup fees (€119 vs €159 vs €99), monthly maintenance, free public health insurance bundles (TK/AOK), and RBI LRS bank transfer times.
Compare Providers
| Provider | Fees | Interest / monthly cost | Collateral | |
|---|---|---|---|---|
| Expatrio Value Package | €119 setup fee | €9.00 / month | Not required | Visit site |
| Fintiba Plus | €159 setup fee | €9.90 / month | Not required | Visit site |
| Coracle Prime | €99 setup fee | €0 / month | Not required | Visit site |
Students receiving full-tuition scholarships or DAAD funding are exempt from the blocked account requirement.
Fees and rates change often; confirm them on the provider's website. Some “Visit site” links may be affiliate links: we may earn a commission if you sign up, at no cost to you. It does not change the order or what we show.
Common Questions (FAQs)
Which blocked account provider is cheapest for Indian students?
Expatrio is the overall value winner due to its package deal including free TK health insurance (€150+ value).
How much money should I transfer from India?
Transfer €11,904 + €100 buffer to cover SWIFT bank transfer charges.