Fintiba

Fintiba: Blocked Account and Health Insurance for the German Visa

Fintiba is a platform that centralises two common requirements for obtaining a German visa: the blocked account and health insurance. The company states that its blocked account is acknowledged by all embassies and that it has helped over 300,000 students secure their visas. Its approach is built around a guided process and the combination of both products into a single package.

Blocked Account for the German Visa

Fintiba's blocked account is designed to simplify the visa application. The company offers step-by-step guidance to open it, with instant blocking confirmation if paying by credit card and the option to deposit in local currency via Fintiba Transfer. The account is opened in the applicant's name at a trusted German bank with a German IBAN, and allows access to the money in Germany without the need for city registration. Fintiba also addresses specific cases such as the Chancenkarte (Opportunity Card), applicants under 18, and the use of a declaration of commitment as an alternative. It also answers frequently asked questions about the official minimum amount required, additional costs to plan for, and what happens if the visa is refused, including the possibility of a refund of the funds.

Health Insurance for the Visa

Health insurance is another crucial requirement for the German visa. Fintiba offers coverage tailored to students, job seekers, and employees. The company helps compare visa-compliant plans based on personal situation and budget, and explains which insurance documents are needed and how the timing of purchase influences approval. It also answers the most common questions international students ask about German health insurance.

Fintiba Plus and Fintiba Basic

Fintiba offers two packages. Fintiba Plus combines the blocked account, health insurance, and free travel insurance, thus covering all visa requirements. Fintiba Basic includes only the blocked account. The catalogue shows that the travel insurance included in Fintiba Plus is worth up to €95.00 and that health insurance is taken out with renowned partners. The prices listed on the site include a monthly health insurance fee starting at €95.00 for the MAWISTA Expatcare Comfort tariff for people up to 40 years old, and €115.00 for people aged 41 to 44; BARMER charges €146.29 for those under 23 and €151.42 for childless persons over 23. Payment of the fees begins after university enrolment. The company notes that the insurer's current tariffs apply.

Companion Tools and Resources

Fintiba provides applicants with a range of complementary tools. The Companion feature generates a personalised roadmap for the visa application. The platform also publishes guides on how to move to Germany, which visa fits each plan, how to study in the country, how to build a career, and what daily life in Germany is like. It also organises regular webinars, such as "How to start your life in Germany" and "German Visas for Internationals: Get Approved the First Time", featuring international students and professionals. The company has an ambassador programme and a referral programme through which the user and their friend receive a financial reward for recommending the service.

Customer Service and Local Support

Fintiba offers human customer support in several languages. For the Chinese audience, it has a local team that provides guidance via WeChat, with step-by-step support for opening the account and knowledge of the particularities of Chinese digital platforms. The company also maintains partnerships to facilitate arrival in Germany.