Fintiba

Fintiba is a Frankfurt-based fintech company offering two key services for international students and graduates moving to Germany: a blocked account (Sperrkonto) for the German student visa, and health insurance for international students.

For non-EU students applying for a German student visa, a blocked account is mandatory — it demonstrates to German authorities that the student has sufficient funds for living expenses. The blocked account must meet a minimum balance (currently approximately €11,208 per year), and Fintiba’s account is recognised by German embassies worldwide and issued within 24 hours — significantly faster than bank alternatives.

Fintiba also offers IYAS (international student health insurance) that meets German visa requirements for health coverage — an alternative to statutory German health insurance for students who are not yet enrolled at a German university.

The service is conducted entirely in English, and the account opening process is fully digital — requiring only a passport scan and a selfie for identity verification. For international students who need to move quickly on their German visa application, Fintiba provides the fastest and most straightforward route to obtaining the required blocked account and insurance documentation.

Used by tens of thousands of students annually, Fintiba is one of the most recommended services in the German international student community.