Expatrio Sperrkonto or Care Concept Sperrkonto: Which Is Better in Germany? (2026)
The short answer
Care Concept costs EUR 118.20 less in first-year fees, EUR 108.80 against EUR 227, from a EUR 50 setup fee and EUR 4.90 a month. Expatrio confirms faster, 1 to 3 business days against 2 to 5, refunds its setup and service fees if the visa is refused, and names EUR 100,000 of guarantee cover behind the account.
Expatrio Sperrkonto
Expatrio Global Services GmbH, Berlin, Germany
Care Concept Sperrkonto
Care Concept AG, Bonn, Germany
Row by row
Fees verified August 2026 against each provider's published data
| Criterion | Expatrio Sperrkonto | Care Concept Sperrkonto |
|---|---|---|
| Setup feeThe one-off charge before the line works | EUR 119 | EUR 50Wins |
| Monthly feeWhat holding the account costs every month | EUR 9 | EUR 4.90Wins |
| Total first-year feesWhat the route costs all-in over twelve months | EUR 227 | EUR 108.80Wins |
| Confirmation speedHow fast the Sperrbescheinigung reaches the embassy | 1 to 3 business days after the funds arriveWins | about 2 to 5 business days |
| Fee refund on visa rejectionWhat you get back if the visa is refused | Deposit plus setup and service fees refundedWins | deposit refunded, fee terms published on the provider site |
| Partner bankThe bank that actually holds the deposit | UniCredit, EUR 100,000 under the Italian guarantee schemeWins | VietinBank, a Vietnamese bank with a German branch |
So which one
Pick Expatrio Sperrkonto if
- Speed and the fee refund matter: 1 to 3 business days and setup plus service fees returned if the visa is refused.
Pick Care Concept Sperrkonto if
- First-year fees decide: EUR 108.80 against EUR 227, from a EUR 50 setup fee and EUR 4.90 a month.
Other comparisons
2 more pairsHow we compared these two
The criteria are fixed
Every comparison on this site uses the same 6 rows in the same order, so two pages can be read against each other. We do not add a row because one side happens to win it.
A win is a stated threshold
A row is won on the published number or capability, not on judgement. Ties are declared rather than broken. Figures come from provider price lists and official sources.
How we get paid
Both links earn a commission at the same rate, so the winner of a row is never the higher-paying one. Fees come from each provider's own published price list, not a comparison feed.
Sources: provider price lists and official data, accessed August 2026. Next review: November 2026.
Frequently Asked Questions
Which is better, Expatrio Sperrkonto or Care Concept Sperrkonto?
Care Concept costs EUR 118.20 less in first-year fees, EUR 108.80 against EUR 227, from a EUR 50 setup fee and EUR 4.90 a month. Expatrio confirms faster, 1 to 3 business days against 2 to 5, refunds its setup and service fees if the visa is refused, and names EUR 100,000 of guarantee cover behind the account.
When should I pick Expatrio Sperrkonto?
Speed and the fee refund matter: 1 to 3 business days and setup plus service fees returned if the visa is refused.
When should I pick Care Concept Sperrkonto?
First-year fees decide: EUR 108.80 against EUR 227, from a EUR 50 setup fee and EUR 4.90 a month.