Your protection against attachment of accounts

P account

Your protection against attachment of accounts

P account

Your protection against attachment of accounts

P account

Your advantages

Open the Schufa-free P-Account from Pay Here now and secure the best possible protection in the event of a seizure. As a debtor, you can freely dispose of the money in your account up to the attachment exemption.

What is a garnishment protection account?

The garnishment protection account, or P-account for short, is a current account that offers optimal protection for the debtor's incoming funds in the event of an account garnishment. The credit is protected up to a statutory exemption of currently 1,178.59 euros. The money within this limit is freely available to the account holder.

The exemption can be increased in certain cases, for example when receiving child benefit or when there is a maintenance obligation. You can calculate and submit your tax exemption here: www.p-konto.de

A garnishment protection account in just a few steps

Open your account quickly and easily online.

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to register
Register online for the MeineGiroKarte within a few minutes.
recharge card
Load your new prepaid debit Mastercard with the desired credit.
Legitimize
You can legitimize yourself conveniently via the VideoIdent procedure or with the German Post.
Order card
Choose a PIN of your choice and design your card in the design of your choice.
to register
Register online for the MeineGiroKarte within a few minutes.
1
recharge card
Load your new prepaid debit Mastercard with the desired credit.
2
Legitimize
You can legitimize yourself conveniently via the VideoIdent procedure or with the German Post.
3
Order card
Choose a PIN of your choice and design your card in the design of your choice.
4th

At Pay Here you can open your P-account online - quickly and easily.

All information about the MeineGiroKarte

Just click on any of the questions to get the answer. If you have any questions, please contact our support hotline .

In the case of high debts, the current account can be garnished. With a garnishment protection account, a fixed amount of your credit balance is protected against garnishment every month. The debtors concerned can continue to pay running costs such as rent, electricity or water. To repay the seizure, the debtor's monthly remaining balance is transferred to the creditor's current account.

If there is no attachment of the account, the attachment protection is temporarily inactive and the account can be used without restriction. As soon as a garnishment is received, the garnishment protection takes effect automatically and protects the credit balance on the current account.

Anyone can apply for a P account at any bank in Germany.

In order to set up the garnishment protection account in full and to secure your exemption, you need the following certificates:

  • A pay slip from the employer
  • Notification of approval when receiving unemployment benefits
  • Notification / account statement for the receipt of child benefit
  • Transfer receipts for maintenance payments

Each account holder may have a maximum of one P account with a bank. It is also not permitted to keep multiple seizure protection accounts with different banks or credit institutions.

Many banks regularly obtain SCHUFA information. Since all Pay Here accounts are based on the prepaid principle, neither a report to SCHUFA nor a credit check is required. If you open a P-Account with Pay Here, you do not need any kind of certificate.

Our goal is to help our customers out of debt as quickly as possible and avoid long-term damage from SCHUFA certificates.

Yes, as an existing account holder you can convert your current account into a P-account up to 4 weeks after receipt of the garnishment. This conversion into a garnishment protection account is possible free of charge with Pay Here and without restricting the functions. If your account is seized, you don't have to worry that your account will be blocked or terminated. The MeineGiroKarte with P-account function offers the best protection for your money.

As soon as your garnishment has been completely repaid, it is possible to convert the P account back into a normal current account at any time.

Further products

Our offer: Find the perfect account for your current life situation.

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In the case of an account without SCHUFA, no query or information is sent to SCHUFA. This means that the account can be opened even with a bad credit rating.

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The online account based on the credit principle offers you conventional current account functions with secure online banking.

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With the prepaid principle, the Girocard guarantees you optimal cost control and the option to pay securely at home and abroad.

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In order to enable everyone to have an account, the basic account offers the option of opening an inexpensive current account based on the credit principle.

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Our prepaid credit card can be opened online without a SCHUFA query or credit check. It has worldwide acceptance.

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In order to enable everyone to have an account, the basic account offers the option of opening an inexpensive current account based on the credit principle.

Do you have any questions?

Our support team will be happy to assist you.

To the form

Contact our customer support conveniently using our contact form.

08161 4060 406

Monday to Friday: 7.30 a.m. - 6.30 p.m.
Saturday: 10:00 a.m. - 2:00 p.m.