If there is a remaining amount from the previous month that is protected by the P account, it will not be paid out to the creditor in the second month and is therefore still fully available to you. However, if the money is still in the account in the third month, it is fully seizable.

Here the so-called "first-in-first-out" principle applies. The expenses in the first following month are first deducted from the remaining garnishment-free amount from the previous month. If you spend at least as much in the following month as you have left over from the previous month, there are no problems. However, if you spend less, the remaining difference is completely seizable in the second following month.

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 help@getpenta.com