Seizures

An account garnishment is a procedure used to collect outstanding debts. This allows creditors to access your bank account in order to recover the amounts o...

A "Pfändungsschutzkonto" (P-Konto) is a current account that provides legal protection from garnishment, up to a fixed monthly exemption amount. I...

You have a legal right to convert your existing current account into a P-Konto, even if it is already subject to garnishment. Important: Each person may ...

As of July 1, 2025, the basic monthly exemption amount is €1,560. This amount can be increased if, for example, you have legal obligations to provide supp...

Your funds may be blocked for the following reasons: Your exemption amount has been used up. Remaining funds will only be released on the first day of ...

Pocket balances are not protected during an active garnishment. If you want to use the balance, you can submit a completed SEPA form to transfer it to your...

By default, the garnishable amount is automatically transferred by Solaris SE to the creditor after the legal waiting period. If you want to settle the gar...

This is expected: The funds are transferred to the creditor after the legal waiting period, usually about four weeks after the garnishment order is received.

The P-Konto status is only removed once Solaris SE receives a written release letter from the creditor. This letter must be sent by post. Processing typic...

Complete the form in full (use your IBAN, not your card number). Make sure your signature matches your ID and is dated within the last month. Subm...