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The lowest fees of the three by the providers' tariffs. The account is not with a German bank — check that your consulate accepts it.

An online provider from Berlin: the blocked account is held with the partner bank UniCredit, and the amount can be transferred in parts. The Value Package adds health and travel insurance.

An online blocked-account provider: the account is opened with a licensed German bank and the money is protected by the German deposit guarantee. Fintiba Plus adds health insurance.

An account into which you pay the money for a year of living before the visa; only a fixed amount can be withdrawn each month. The main way to prove your funds for a student visa.