The P-account function protects account balances from creditors' access, so that you can continue to dispose of received funds in your account within the applicable garnishment-free amount.

If your account is converted into a P-account, you will have a basic garnishment-free amount per calendar month. As of 01.07.2022, the following applies: The unseizable amount according to § 850c ZPO for a debtor without maintenance obligations increases from currently 1,252.64 euros to 1,330.16 euros.

If you have any further questions, our customer service will be happy to help you from 9:00 a.m. to 6:00 p.m. weekdays by phone at +49 30 255 585 803 or by e-mail to