BASTI
German Blocked Account

BASTI combines a blocked account from VietinBank Germany with optional insurance arranged by Care Concept. Basic is account-only; Smart and Premium add insurance suited to your applicant type.

University students generally need €992/month, or €11,904 for 12 months, plus fees and the buffer. Opportunity Card applicants and independent language students generally need €1,091/month. Other categories and any scholarship or income offsets depend on your visa requirements.

No. It is the prepaid monthly account fee. A €65 one-time fee, €100 buffer and living funds are separate. Insurance premiums are extra, although eligible bundles such as Smart and Premium for university students under 30 include free incoming travel insurance. Basic does not.

After arrival in Germany, identity verification and account activation, you can access the agreed monthly allowance. Funding the account or obtaining a visa does not allow an immediate withdrawal of the full balance.

Submit the official refusal and follow the bank’s unblocking, closure and refund procedure. The €65 one-time fee is non-refundable. Return transfer, closure and other service charges may apply under the bank’s terms.

The bank may require an unblocking authorisation or other evidence, depending on your circumstances. Confirm the required documents before closing the account. Insurance cancellation and premium refunds are handled separately.

The student Smart plan includes DAK Garantietarif 120, an optional tariff generally binding for 3 years. The cashback is not a €10 monthly discount. Certain inpatient preventive, rehabilitation and related transport services can trigger a deductible of up to €180 per insurance year, with other co-payments separate. Check cashback, pro-rata and cancellation terms before joining.

Smart uses Care College Comfort; Premium uses Care College Premium. Rates start at €34 and €48/month respectively for ages 29 and under during the first 24 months. Higher ages and later months affect rates. A refund of 2 months’ current premium may be available after at least 12 months, subject to continuous cover, no claims, timely payments and the policy terms. Do not deduct it in advance.

Care Student in the Smart bundle generally accepts eligible applicants aged 12–39 under the insurer’s age calculation rules. A health declaration and €300 calendar-year deductible apply. From age 40, or if you already have public insurance or a non-standard study arrangement, check suitable options first.

Incoming travel insurance covers an initial transition period. University enrolment requires health insurance appropriate to your status and an electronic M10 notification from a public health insurer. Private insurance holders also need the notification or confirmation required by their university.