Fintiba & N26: The Ultimate Guide to Hassle-Free Banking for Your Move to Germany
Moving to Germany? Let’s Make It Easy!
If you’re planning to move to Germany for work, study, or the Chancenkarte visa, you’ve probably realised that setting up your finances and insurance is one of the biggest challenges.
How do you open a bank account from outside Germany? How do you get the required health insurance? What’s a blocked account?
I had these exact questions when I moved—and I’ll be honest, the process seemed overwhelming at first.
But then, I found Fintiba and N26, two game-changers that made my transition smoother than I ever imagined.
This guide will show you step by step how to:
✅ Open a blocked account (Sperrkonto) for your visa application
✅ Get the right health insurance for Germany
✅ Set up an N26 digital bank account once you arrive
By the end of this post, you’ll have everything you need to start your new life in Germany without stress!
💡 Bonus: Use my referral code and get €15 off when you sign up for Fintiba!
Why You Need a Blocked Account (Sperrkonto) for Your German Visa
If you’re moving to Germany without a job (such as for the Chancenkarte visa or as a student), the government requires you to prove that you can support yourself financially.
This is done through a blocked account (Sperrkonto)—a special type of bank account where your funds are “blocked” and released to you in monthly allowances.
How Much Money Do You Need? (2024)
The minimum amount required is:
• €11,208 for 12 months
• €934 per month
This proves you have enough money to cover living costs.
The problem? Not all German banks offer blocked accounts, and setting one up with traditional banks is a nightmare. That’s why Fintiba is the easiest solution.
Why I Chose Fintiba for My Blocked Account!
When I first looked into blocked accounts, I saw that some traditional banks required:
🚫 Paper forms (yes, in 2025, some still use fax!)
🚫 A German address (which I didn’t have yet)
🚫 Appointments at physical bank branches
Then I found Fintiba—a completely online and visa-approved solution.
What Makes Fintiba the Best Choice?
✅ 100% Online Application – Open your account from anywhere in the world
✅ Super Fast Approval – Get your official confirmation within hours
✅ Easy Embassy Process – Their blocked account meets German visa requirements
✅ Mobile App – Track your funds and transactions anytime
✅ Integration with Health Insurance – Apply for both at once
💰 Bonus: Get €15 off your Fintiba setup! Use my referral code 1KANOKPITRU16 when signing up!
👉 Open your Fintiba blocked account here
Health Insurance in Germany: What You Need to Know
To apply for your visa, you’ll also need health insurance—and let me warn you, Germany takes this very seriously.
If you arrive in Germany without proper health insurance, you might not be able to enrol in university, sign a work contract, or even extend your visa!
Fintiba Solves This Too!
Since I already used Fintiba for my blocked account, I discovered they also help with health insurance—making everything even easier.
Here’s what they offer:
Option 1: Public Health Insurance
💼 Best for: Employees and students
🛡️ Providers: TK, AOK, Barmer, etc.
💰 Cost: ~€120/month
Option 2: Private Health Insurance
📝 Best for: Job seekers, freelancers, visitors
🏥 Providers: DR-WALTER, Mawista, etc.
💰 Cost: ~€35–€70/month
✅ Embassy-Approved – Their insurance plans are recognized for visa applications
✅ Instant Coverage Certificate – No need to deal with paperwork
✅ Free Consultation – They’ll help you choose the best plan
When I applied for my Chancenkarte visa, Fintiba’s insurance package was accepted without any issues. It saved me the hassle of comparing multiple providers.
After Arrival: Setting Up My N26 Bank Account
Once I arrived in Germany, I needed a real bank account to manage my everyday transactions.
Here’s why I HIGHLY recommend N26 over traditional banks:
Why Expats Love N26
✅ 100% Online Signup – No need to visit a branch
✅ English-Friendly Interface – App and website available in English
✅ No Monthly Fees – Free standard account
✅ Fast Setup – Open an account in 15 minutes
💡 Bonus: Sign up for N26 easily here!
Step-by-Step: How to Open Your Accounts Like a Pro
If you want to avoid confusion and save time, here’s the fastest way to handle your banking and insurance:
Before You Arrive in Germany:
✅ Step 1: Open your Fintiba blocked account here and use referral code 1KANOKPITRU16for €15 off!
✅ Step 2: Choose health insurance through Fintiba (public or private)
✅ Step 3: Receive your visa-required documents (blocked account confirmation + insurance certificate)
After You Arrive in Germany:
✅ Step 4: Transfer funds from Fintiba to your N26 bank account
✅ Step 5: Start using your N26 account for rent, bills, and daily expenses
Final Thoughts: Why Fintiba & N26 Are the Best Combo
If you’re moving to Germany, trust me—don’t make things harder for yourself. Fintiba and N26make the financial setup easy, so you can focus on what really matters: your new life.
📌 Start with Fintiba here (Use referral code 1KANOKPITRU16 for €15 off!)
Let’s Connect!
I hope this guide makes your move easier! If you have any questions, feel free to drop a comment, follow me for more updates, or check out my other guides on Janimaster.com.
✅ Found this helpful? Share this with others who are moving to Germany!
Your move to Germany just got a whole lot easier.
Welcome to your new adventure! 🇩🇪