Expatrio

Expatrio: financial and insurance services for moving to Germany

Expatrio is a company that offers comprehensive solutions for international students and professionals moving to Germany. Its main offering is the Value Package, which combines a blocked account (Sperrkonto), health insurance, and a German bank account, aiming to simplify visa procedures and settling in the country. The company claims to have been used by 250,000 users worldwide.

The Value Package: blocked account, insurance, and bank

Expatrio's flagship package bundles three essential services for the German visa. The blocked account is opened online in just a few minutes, is accepted by all German authorities, and provides instant confirmation of the blocked amount once funds are received. The stated cost is €9 per month plus a €119 set-up fee. As part of the package, a free German bank account is included, automatically connected to the blocked account, which allows access to monthly funds after arrival in Germany and comes with a digital card for use worldwide with Apple Pay and Google Pay.

The health insurance included in the package offers public or private coverage, with insurance partners the company describes as award-winning and affordable. Additionally, free travel insurance worth up to €95 is included, mandatory for the visa. Expatrio also mentions the possibility of getting up to €90 cashback with personalized insurance.

Additional services and benefits

Beyond the main package, Expatrio offers complementary services such as a free digital international student identity card, with discounts at thousands of establishments; access to accommodation through its app; and the opportunity to participate in the Expatrio Scholarship. This scholarship, according to the site's information, awards prizes worth over €40,000, with a first prize of €15,000, and is applied for via a short video. The deadline stated on the site was September 30, 2026.

The company also sells the blocked account and health insurance separately, for those who only need one of the services. The individual blocked account maintains the same price and acceptance conditions, while the individual health insurance includes free travel insurance and public or private coverage.

Target audience and reach

Expatrio is aimed at students and professionals planning to move to Germany. The company offers customer support in ten languages and has a platform with informational resources about studying and working in Germany, including webinars, guides to German cities, information about business culture, and the Opportunity Card (Chancenkarte). The website is available in multiple languages, including Spanish, French, Portuguese, Turkish, Russian, Arabic, Chinese, Japanese, and Korean, reflecting its international focus.

Trust and reliability

The company highlights that its services are accepted by all German authorities and offers a money-back guarantee in case of visa rejection. User testimonials on the site mention the ease of the process and the usefulness of the blocked account for obtaining a student visa. Expatrio presents itself as a comprehensive option for those who need to meet the financial and insurance requirements of the German visa before university admission.