On July 1, 2010 new legislation protecting debtors against the attachment of bank accounts comes into force. One of the new
measures is the introduction of a protection attachment account (P-account).
You are now entitled to demand that an existing current account be converted into a P-account. In order to do this, you must make
a personal application to your bank. Banks must convert the accounts within 3 working days at the latest. However, this does
not mean that you now have a statutory entitlement to open a new account (including P-account).
You may only have one P-account. It is forbidden to have more than one P- account and anyone doing so is liable to prosecution.
P-accounts may only be operated as single accounts. Joints accounts (e.g. held jointly by a married couple) cannot be operated
as P-accounts but must be converted into two single accounts and then operated as two P-accounts.
If you have a P-account, protection against attachment applies to this account only. You may not additionally claim protection
under the terms of the former legislative protection against attachment which is still valid until 31.12.2011. It is therefore
important that you make sure that all incoming payments and especially all social benefits are paid into the P-account.
The bank is obliged to inform SCHUFA if an account is converted into a P-account, or if a P-account is closed or revoked.
Banks may also request information from SCHUFA about whether the account holder already has a P-account (with another bank).
This exchange of information is intended to prevent abuse. It has no effect on SCHUFA credit information about the account holder.
How much is protected? From the basic allowance to the increased allowance
The basic allowance
If the P-account is attached, the debtor receives an automatic protection against attachment amounting to the basic allowance
of EUR 1.029,99 per calendar month. You may only take this amount out, however, if the credit balance of the account shows at
least this amount. Basically, it only makes sense to have a P-account with a credit balance (in the black).
You may access the basic allowance even after an attachment has been served, i.e. transfers and direct debits can be carried out.
The type of income (wages, social benefits, tax refund etc.) and the date of receipt of payment is irrelevant.
Obligation to pay out social benefits if the account is in the red
Even if your account is "in the red" you may access child benefit and social benefits in the full amount within 14 days from
the date they are credited to your account (clearing protection). However, your bank is always allowed to debit the account
charges from your P-account.
Important: No clearing protection exists for other types of credit payment (especially wages) if the account is in the red!
Higher allowance subject to confirmation:
The automatic basic allowance can be increased if you present the appropriate confirmation. If you are obliged by law to pay
maintenance for one or several persons or if you receive social benefits for a third party (for your partner or step- child,
for example), higher allowances apply:
EUR 1.410,00 if you support one person
EUR 1.630,00 if you support two people
EUR 1.840,00 if you support three people
EUR 2.060,00 if you support four people
EUR 2.270,00 if you support five or more people.
Who can issue this confirmation? Local addresses and support centres
Lawyers, social services providers, family welfare offices and employers may issue a confirmation about the higher allowance.
You can also aks the schuldnerakuthilfe
Note: Many banks accept a payment notification as proof of the number of persons for whom you receive benefits in your household.
Your salary statement should be accepted as a confirmation if your salary is attached. Statements should suffice as proof of
additional child benefit.
If your bank does not accept the documents you submit or if you cannot find anyone locally who will issue a confirmation, then
you should apply to the Local Court (Vollstreckungsgericht) in your area or - in the case of a public creditor - to the
Vollstreckungsgericht in the area of the creditor.
What do I need in order to apply for a confirmation/decision to unblock account?
The following documents are required in order to prove your eligibility for a one- off or permanently higher allowance:
Proof of maintenance payments actually made (e.g. receipts, bank statements, confirmations etc,)
Notifications of payment of regular social benefits (e.g. unemployment benefit (ALG I or ALG II), basic social assistance in
accordance with the German Social Code Vol XII)
Notifications of payment of one-off social benefits (e.g. costs for a school trip, start-up equipment etc.)
Proof of receipt of child benefit (e.g. bank statement) You can aks
the schuldnerakuthilfe for a specimen confirmation.
Individual unblocking of accounts based on the table of attachable amounts
If wages, pensions, sickness benefit, unemployment benefit or income from self- employed work are paid into your attached account
in excess of the automatically protected basic allowance of EUR 985.15 or the higher allowance to take into account maintenance
obligations, you must apply to your local court (Vollstreckungsgericht) or the local court in the town or city where the public
creditor is based in order to apply for the account to be unblocked individually in line with the table of attachable amounts.
You should also do this if you have extra costs for health or occupational (e.g. high commuting expenses) reasons.
Transfer to the following month
If the credit balance protected against attachment has not been used up by the end of the month, the remaining balance is
transferred to the next month and may be disposed of in addition to the credit balance protected for that month. In the following
month you must spend at least the amount carried forward.