A blocked account can be used as financial evidence for some German residence routes. Fintiba is one provider. This guide explains Fintiba’s published process, not a recommendation that it is the only suitable provider or a promise that any visa authority will accept an application.
Opening the account
According to Fintiba, account registration starts online and normally requires a valid passport. Its published process then involves identity verification, account opening, transferring the required amount, and receiving a blocking confirmation once the funds arrive.
Before opening any blocked account, confirm the current financial-evidence requirement for your exact residence purpose with the official German source or responsible mission. A provider can describe its account process; it cannot decide your visa.
The blocking confirmation
Fintiba says its blocking confirmation becomes available in the app after it receives the required blocked amount. Keep the confirmation and any transfer record. Check what the responsible mission specifically asks you to provide for your appointment.
Do not transfer money before you have checked the account name, transfer instructions, total amount, reference and provider terms in your own account documents.
Accessing money after arrival
Fintiba states that after arriving in Germany, you need a German current account and provide its IBAN in the app to set up monthly payouts. You may also need to upload your visa, provide an address, connect a phone number and complete an additional legitimation step depending on your case.
A blocked account is not a daily spending account. Fintiba states that rent and other direct debits must be paid from your separate current account after the monthly payout is received.