Open a Commerzbank P account

Hier findest du alle wesentlichen Informationen zum P-Konto der Commerzbank (Pfändungsschutzkonto). Auf dem „Commerzbank P-Konto“ ist Guthaben in Höhe von 1330,16 Euro vor dem Zugriff der Gläubiger geschützt. Um in den Genuss des P-Konto Schutz zu Kommen musst du bei deiner Commerzbank Filiale einen P-Konto Wandlungsantrag stellen. Dieser ist auch rückwirkend noch 4 Wochen gültig. Damit erhältst du sofort den Basisschutz. Ein erhöhter Freibetrag ist mit Bescheinigung möglich. Gründe für erhöhten P-Konto Freibetrag sind Unterhaltszahlungen oder sozial- oder Asylbewerberleistungen für weitere Personen im Haushalt. Ebenfalls berechtigen Kindergeld und einige weitere Leistungen auf dem P-Konto für erhöhten Schutz. Die Voraussetzung für den erweiteren Schutz ist eine P-Konto-Bescheinigung durch den Kontoinhaber bei der Commerzbank.

Wenn du dich aufgrund negativer Schufa Einträge oder einer schlechten Bonität fragst, bei welcher Bank du ein P-Konto eröffnen kannst, empfehlen wir die Eröffnung eines P-Kontos bei der Commerzbank not. Die Bank wird die Kontoeröffnung nach Sichtung der Schufa direkt ablehnen und dich wahrscheinlich im Regen stehen lassen. Wenn du ein P-Konto bei schlechter Bonität eröffnen möchtest, benötigst du ein Konto ohne Schufa Abfrage. Im Beitrag Open a P-Konto – Which bank? – The 6 best P Kontos findest du hierzu einige Empfehlungen. Zudem sparst du mit einigen dieser Konten sogar Kontoführungsgebühren. Ein P-Konto bei der Commerzbank ist nämlich mitnichten kostenlos – ganz im Gegensatz zu unseren Alternativen. Schaue dir die besten P-Konten daher unbedingt einmal an.

Hier findest du 6 besser geeignete Konten im Pfändungsfalls als das Commerzbank P-Konto

The garnishment protection account in key points

  • Current account on a credit basis with garnishment protection
  • Basisschutz: 1.330,16 € (ab 01.07.2022)
    What to do? ⇨ Submit conversion application to Commerzbank
    • Increased allowance with certificate bei Unterhaltszahlungen, Sozialleistungen für weitere Personen im Haushalt oder  Kindergeld Was tun? ⇨ Pfändungsschutzkonto Bescheinigung bei der Commerzbank einreichen
    • Individually determined exemption amount with decision/notification for higher income and special cases
      What to do? ⇒ Apply with evidence to the enforcement court/enforcement authority
  • Giro and basic accounts can be converted into a seizure protection account
  • A reverse conversion is possible
  • Only one garnishment protection account is permitted per person

Was ist ein P-Konto und welcher Betrag ist auf dem „Commerzbank P-Konto“ geschützt?

A P-Konto oder Pfändungsschutzkonto ist ein Konto das Guthaben in Höhe von 1.330,16 Euro. Kalendermonat schützt.  Der Schutz kann durch Nachweis erweitert werden. Zum Beispiel, wenn du Unterhalt für Kinder zahlen musst.

Dabei bietet das P-Konto bietet Schutz vor Kontopfändungen in drei Stufen:

  1. Zunächst besteht ein Basisschutz für Guthaben in Höhe von 1.260 Euro. Dabei erhältst du den Basisschutz direkt. Hierfür musst du lediglich dein Konto in ein P-Konto umwandeln. Aber alternativ kannst du auch ein neues Open P account, dass den Basisschutz direkt nach Eröffnung hat.
  2. Erweiterter Basisschutz auf dem P-Konto: Du kannst den Freibetrag oftmals weiter erhöhen lassen. Allerdings sind hierfür Bescheinigungen über Anzahl im Haus lebender Kinder oder Kindergeld nötig. Auch wenn du Geld für Bedarfsgemeinschaften erhältst, unterliegt dies einem besonderen Schutz. Um den Freibetrag zu erhöhen und den Schutz zu erweitern, benötigst du jedoch eine P-Konto-Bescheinigung.
  3. Zudem ist in besonderes Härtefällen ein individuell festgesetzter Freibetrag möglich. Allerdings musst du hierfür einen Antrag mit Nachweisen beim Vollstreckungsgericht stellen.

Zur Umwandlung eines Girokontos in ein Pfändungsschutzkonto (P-Konto) reicht eine P-Kontowandlung aber oft zunächst aus. Dazu erhältst du das entsprechende Formular von deiner Bank.

this means: Durch die Einstufung des Commerzbank-Kontos als P-Konto kann der Betrag von mindestens 1.330,16 Euro nicht durch Gläubiger abgerufen werden.

How do I open a garnishment protection account?

Bei Kontoeröffnung kannst du dein Konto direkt als Pfändungsschutzkonto eröffnen lassen. Es ist jedoch ratsamer erst ein normales Girokonto zu eröffnen und dann einen Umwandlungsantrag bei der Commerzbank einzureichen. Das Formular erhältst du bei deiner Commerzbank. Die Bank ist nämlich nicht verpflichtet ein Pfändungsschutzkonto zu eröffnen, muss aber ein Girokonto kostenlos in ein Pfändungsschutzkonto umwandeln.

What amounts can be protected in the garnishment protection account

the garnishment allowances are adjusted every 2 years. The last adjustment took place on July 1st, 2021. The garnishment allowances remain on the P account and may not be confiscated. But even if the exemption limits are exceeded, the money is not immediately seized. Instead, it first goes into a separate pot of money that balances your income if your earnings should fall again. Learn more about too much money on the P account in the article "What happens with too much money in the P account?"

  • The garnishment exemption amount (basic amount) according to the Attachment table for 2021 - 2023 amounts to 1.330,16 Euro.
  • Damit wurde der Pfändungsfreibetrag um über 70 Euro oder 6,2% gegenüber 2021 angehoben.

Of the Basic amount can without further proof to be protected. If maintenance payments are also made to spouses (including life partners) or children (including stepchildren), these must be proven.

The following garnishment allowances are protected against pledging on your P account

Pfändungstabelle 2022-2023 (gültig ab 1. Juli 2022)

Folgende Beträge sind ab 01.07.2022 auf dem Commerzbank P-Konto geschützt. Du kannst in der Tabelle auf dem Handy nach rechts und links wischen um alle Freibeträge zu sehen.

Nettolohn monatl.€Pfändbarer Betrag nach Anzahl unterhaltspfl. Personen0 Person1 Person2 Personen3 Personen4 Personen5 und mehr Personen
VonBis
01339,99000000
1.340,001.349,996,8900000
1.350,001.359,9913,8900000
1.360,001.369,9920,8900000
1.370,001.379,9927,8900000
1.380,001.389,9934,8900000
1.390,001.399,9941,8900000
1.400,001.409,9948,8900000
1.410,001.419,9955,8900000
1.420,001.429,9962,8900000
1.430,001.439,9969,8900000
1.440,001.449,9976,8900000
1.450,001.459,9983,8900000
1.460,001.469,9990,8900000
1.470,001.479,9997,8900000
1.480,001.489,99104,8900000
1.490,001.499,99111,8900000
1.500,001.509,99118,8900000
1.510,001.519,99125,8900000
1.520,001.529,99132,8900000
1.530,001.539,99139,8900000
1.540,001.549,99146,8900000
1.550,001.559,99153,8900000
1.560,001.569,99160,8900000
1.570,001.579,99167,8900000
1.580,001.589,99174,8900000
1.590,001.599,99181,8900000
1.600,001.609,99188,8900000
1.610,001.619,99195,8900000
1.620,001.629,99202,8900000
1.630,001.639,99209,8900000
1.640,001.649,99216,8900000
1.650,001.659,99223,8900000
1.660,001.669,99230,8900000
1.670,001.679,99237,8900000
1.680,001.689,99244,8900000
1.690,001.699,99251,8900000
1.700,001.709,99258,8900000
1.710,001.719,99265,8900000
1.720,001.729,99272,8900000
1.730,001.739,99279,8900000
1.740,001.749,99286,8900000
1.750,001.759,99293,8900000
1.760,001.769,99300,8900000
1.770,001.779,99307,8900000
1.780,001.789,99314,8900000
1.790,001.799,99321,8900000
1.800,001.809,99328,8900000
1.810,001.819,99335,8900000
1.820,001.829,99342,8900000
1.830,001.839,99349,8900000
1.840,001.849,99356,894,610000
1.850,001.859,99363,899,610000
1.860,001.869,99370,8914,610000
1.870,001.879,99377,8919,610000
1.880,001.889,99384,8924,610000
1.890,001.899,99391,8929,610000
1.900,001.909,99398,8934,610000
1.910,001.919,99405,8939,610000
1.920,001.929,99412,8944,610000
1.930,001.939,99419,8949,610000
1.940,001.949,99426,8954,610000
1.950,001.959,99433,8959,610000
1.960,001.969,99440,8964,610000
1.970,001.979,99447,8969,610000
1.980,001.989,99454,8974,610000
1.990,001.999,99461,8979,610000
2.000,002.009,99468,8984,610000
2.010,002.019,99475,8989,610000
2.020,002.029,99482,8994,610000
2.030,002.039,99489,8999,610000
2.040,002.049,99496,89104,610000
2.050,002.059,99503,89109,610000
2.060,002.069,99510,89114,610000
2.070,002.079,99517,89119,610000
2.080,002.089,99524,89124,610000
2.090,002.099,99531,89129,610000
2.100,002.109,99538,89134,610000
2.110,002.119,99545,89139,610,13000
2.120,002.129,99552,89144,614,13000
2.130,002.139,99559,89149,618,13000
2.140,002.149,99566,89154,6112,13000
2.150,002.159,99573,89159,6116,13000
2.160,002.169,99580,89164,6120,13000
2.170,002.179,99587,89169,6124,13000
2.180,002.189,99594,89174,6128,13000
2.190,002.199,99601,89179,6132,13000
2.200,002.209,99608,89184,6136,13000
2.210,002.219,99615,89189,6140,13000
2.220,002.229,99622,89194,6144,13000
2.230,002.239,99629,89199,6148,13000
2.240,002.249,99636,89204,6152,13000
2.250,002.259,99643,89209,6156,13000
2.260,002.269,99650,89214,6160,13000
2.270,002.279,99657,89219,6164,13000
2.280,002.289,99664,89224,6168,13000
2.290,002.299,99671,89229,6172,13000
2.300,002.309,99678,89234,6176,13000
2.310,002.319,99685,89239,6180,13000
2.320,002.329,99692,89244,6184,13000
2.330,002.339,99699,89249,6188,13000
2.340,002.349,99706,89254,6192,13000
2.350,002.359,99713,89259,6196,13000
2.360,002.369,99720,89264,61100,13000
2.370,002.379,99727,89269,61104,13000
2.380,002.389,99734,89274,61108,13000
2.390,002.399,99741,89279,61112,130,4300
2.400,002.409,99748,89284,61116,133,4300
2.410,002.419,99755,89289,61120,136,4300
2.420,002.429,99762,89294,61124,139,4300
2.430,002.439,99769,89299,61128,1312,4300
2.440,002.449,99776,89304,61132,1315,4300
2.450,002.459,99783,89309,61136,1318,4300
2.460,002.469,99790,89314,61140,1321,4300
2.470,002.479,99797,89319,61144,1324,4300
2.480,002.489,99804,89324,61148,1327,4300
2.490,002.499,99811,89329,61152,1330,4300
2.500,002.509,99818,89334,61156,1333,4300
2.510,002.519,99825,89339,61160,1336,4300
2.520,002.529,99832,89344,61164,1339,4300
2.530,002.539,99839,89349,61168,1342,4300
2.540,002.549,99846,89354,61172,1345,4300
2.550,002.559,99853,89359,61176,1348,4300
2.560,002.569,99860,89364,61180,1351,4300
2.570,002.579,99867,89369,61184,1354,4300
2.580,002.589,99874,89374,61188,1357,4300
2.590,002.599,99881,89379,61192,1360,4300
2.600,002.609,99888,89384,61196,1363,4300
2.610,002.619,99895,89389,61200,1366,4300
2.620,002.629,99902,89394,61204,1369,4300
2.630,002.639,99909,89399,61208,1372,4300
2.640,002.649,99916,89404,61212,1375,4300
2.650,002.659,99923,89409,61216,1378,4300
2.660,002.669,99930,89414,61220,1381,4300
2.670,002.679,99937,89419,61224,1384,430,50
2.680,002.689,99944,89424,61228,1387,432,50
2.690,002.699,99951,89429,61232,1390,434,50
2.700,002.709,99958,89434,61236,1393,436,50
2.710,002.719,99965,89439,61240,1396,438,50
2.720,002.729,99972,89444,61244,1399,4310,50
2.730,002.739,99979,89449,61248,13102,4312,50
2.740,002.749,99986,89454,61252,13105,4314,50
2.750,002.759,99993,89459,61256,13108,4316,50
2.760,002.769,991000,89464,61260,13111,4318,50
2.770,002.779,991007,89469,61264,13114,4320,50
2.780,002.789,991014,89474,61268,13117,4322,50
2.790,002.799,991021,89479,61272,13120,4324,50
2.800,002.809,991028,89484,61276,13123,4326,50
2.810,002.819,991035,89489,61280,13126,4328,50
2.820,002.829,991042,89494,61284,13129,4330,50
2.830,002.839,991049,89499,61288,13132,4332,50
2.840,002.849,991056,89504,61292,13135,4334,50
2.850,002.859,991063,89509,61296,13138,4336,50
2.860,002.869,991070,89514,61300,13141,4338,50
2.870,002.879,991077,89519,61304,13144,4340,50
2.880,002.889,991084,89524,61308,13147,4342,50
2.890,002.899,991091,89529,61312,13150,4344,50
2.900,002.909,991098,89534,61316,13153,4346,50
2.910,002.919,991105,89539,61320,13156,4348,50
2.920,002.929,991112,89544,61324,13159,4350,50
2.930,002.939,991119,89549,61328,13162,4352,50
2.940,002.949,991126,89554,61332,13165,4354,50
2.950,002.959,991133,89559,61336,13168,4356,50,36
2.960,002.969,991140,89564,61340,13171,4358,51,36
2.970,002.979,991147,89569,61344,13174,4360,52,36
2.980,002.989,991154,89574,61348,13177,4362,53,36
2.990,002.999,991161,89579,61352,13180,4364,54,36
3.000,003.009,991168,89584,61356,13183,4366,55,36
3.010,003.019,991175,89589,61360,13186,4368,56,36
3.020,003.029,991182,89594,61364,13189,4370,57,36
3.030,003.039,991189,89599,61368,13192,4372,58,36
3.040,003.049,991196,89604,61372,13195,4374,59,36
3.050,003.059,991203,89609,61376,13198,4376,510,36
3.060,003.069,991210,89614,61380,13201,4378,511,36
3.070,003.079,991217,89619,61384,13204,4380,512,36
3.080,003.089,991224,89624,61388,13207,4382,513,36
3.090,003.099,991231,89629,61392,13210,4384,514,36
3.100,003.109,991238,89634,61396,13213,4386,515,36
3.110,003.119,991245,89639,61400,13216,4388,516,36
3.120,003.129,991252,89644,61404,13219,4390,517,36
3.130,003.139,991259,89649,61408,13222,4392,518,36
3.140,003.149,991266,89654,61412,13225,4394,519,36
3.150,003.159,991273,89659,61416,13228,4396,520,36
3.160,003.169,991280,89664,61420,13231,4398,521,36
3.170,003.179,991287,89669,61424,13234,43100,522,36
3.180,003.189,991294,89674,61428,13237,43102,523,36
3.190,003.199,991301,89679,61432,13240,43104,524,36
3.200,003.209,991308,89684,61436,13243,43106,525,36
3.210,003.219,991315,89689,61440,13246,43108,526,36
3.220,003.229,991322,89694,61444,13249,43110,527,36
3.230,003.239,991329,89699,61448,13252,43112,528,36
3.240,003.249,991336,89704,61452,13255,43114,529,36
3.250,003.259,991343,89709,61456,13258,43116,530,36
3.260,003.269,991350,89714,61460,13261,43118,531,36
3.270,003.279,991357,89719,61464,13264,43120,532,36
3.280,003.289,991364,89724,61468,13267,43122,533,36
3.290,003.299,991371,89729,61472,13270,43124,534,36
3.300,003.309,991378,89734,61476,13273,43126,535,36
3.310,003.319,991385,89739,61480,13276,43128,536,36
3.320,003.329,991392,89744,61484,13279,43130,537,36
3.330,003.339,991399,89749,61488,13282,43132,538,36
3.340,003.349,991406,89754,61492,13285,43134,539,36
3.350,003.359,991413,89759,61496,13288,43136,540,36
3.360,003.369,991420,89764,61500,13291,43138,541,36
3.370,003.379,991427,89769,61504,13294,43140,542,36
3.380,003.389,991434,89774,61508,13297,43142,543,36
3.390,003.399,991441,89779,61512,13300,43144,544,36
3.400,003.409,991448,89784,61516,13303,43146,545,36
3.410,003.419,991455,89789,61520,13306,43148,546,36
3.420,003.429,991462,89794,61524,13309,43150,547,36
3.430,003.439,991469,89799,61528,13312,43152,548,36
3.440,003.449,991476,89804,61532,13315,43154,549,36
3.450,003.459,991483,89809,61536,13318,43156,550,36
3.460,003.469,991490,89814,61540,13321,43158,551,36
3.470,003.479,991497,89819,61544,13324,43160,552,36
3.480,003.489,991504,89824,61548,13327,43162,553,36
3.490,003.499,991511,89829,61552,13330,43164,554,36
3.500,003.509,991518,89834,61556,13333,43166,555,36
3.510,003.519,991525,89839,61560,13336,43168,556,36
3.520,003.529,991532,89844,61564,13339,43170,557,36
3.530,003.539,991539,89849,61568,13342,43172,558,36
3.540,003.549,991546,89854,61572,13345,43174,559,36
3.550,003.559,991553,89859,61576,13348,43176,560,36
3.560,003.569,991560,89864,61580,13351,43178,561,36
3.570,003.579,991567,89869,61584,13354,43180,562,36
3.580,003.589,991574,89874,61588,13357,43182,563,36
3.590,003.599,991581,89879,61592,13360,43184,564,36
3.600,003.609,991588,89884,61596,13363,43186,565,36
3.610,003.619,991595,89889,61600,13366,43188,566,36
3.620,003.629,991602,89894,61604,13369,43190,567,36
3.630,003.639,991609,89899,61608,13372,43192,568,36
3.640,003.649,991616,89904,61612,13375,43194,569,36
3.650,003.659,991623,89909,61616,13378,43196,570,36
3.660,003.669,991630,89914,61620,13381,43198,571,36
3.670,003.679,991637,89919,61624,13384,43200,572,36
3.680,003.689,991644,89924,61628,13387,43202,573,36
3.690,003.699,991651,89929,61632,13390,43204,574,36
3.700,003.709,991658,89934,61636,13393,43206,575,36
3.710,003.719,991665,89939,61640,13396,43208,576,36
3.720,003.729,991672,89944,61644,13399,43210,577,36
3.730,003.739,991679,89949,61648,13402,43212,578,36
3.740,003.749,991686,89954,61652,13405,43214,579,36
3.750,003.759,991693,89959,61656,13408,43216,580,36
3.760,003.769,991700,89964,61660,13411,43218,581,36
3.770,003.779,991707,89969,61664,13414,43220,582,36
3.780,003.789,991714,89974,61668,13417,43222,583,36
3.790,003.799,991721,89979,61672,13420,43224,584,36
3.800,003.809,991728,89984,61676,13423,43226,585,36
3.810,003.819,991735,89989,61680,13426,43228,586,36
3.820,003.829,991742,89994,61684,13429,43230,587,36
3.830,003.839,991749,89999,61688,13432,43232,588,36
3.840,003.849,991756,891004,61692,13435,43234,589,36
3.850,003.859,991763,891009,61696,13438,43236,590,36
3.860,003.869,991770,891014,61700,13441,43238,591,36
3.870,003.879,991777,891019,61704,13444,43240,592,36
3.880,003.889,991784,891024,61708,13447,43242,593,36
3.890,003.899,991791,891029,61712,13450,43244,594,36
3.900,003.909,991798,891034,61716,13453,43246,595,36
3.910,003.919,991805,891039,61720,13456,43248,596,36
3.920,003.929,991812,891044,61724,13459,43250,597,36
3.930,003.939,991819,891049,61728,13462,43252,598,36
3.940,003.949,991826,891054,61732,13465,43254,599,36
3.950,003.959,991833,891059,61736,13468,43256,5100,36
3.960,003.969,991840,891064,61740,13471,43258,5101,36
3.970,003.979,991847,891069,61744,13474,43260,5102,36
3.980,003.989,991854,891074,61748,13477,43262,5103,36
3.990,003.999,991861,891079,61752,13480,43264,5104,36
4.000,004.009,991868,891084,61756,13483,43266,5105,36
4.010,004.019,991875,891089,61760,13486,43268,5106,36
4.020,004.029,991882,891094,61764,13489,43270,5107,36
4.030,004.039,991889,891099,61768,13492,43272,5108,36
4.040,004.049,991896,891104,61772,13495,43274,5109,36
4.050,004.059,991903,891109,61776,13498,43276,5110,36
4.060,004.069,991910,891114,61780,13501,43278,5111,36
4.070,004.077,421917,891119,61784,13504,43280,5112,36


How can I protect other amounts from seizure?

In order to have amounts above the basic tax-free allowance protected, certification required by employers, family benefits offices, social service providers, recognized debt and consumer insolvency advice centers or a lawyer.

With a certificate, you can also claim further exemptions. These include, for example, one-off social benefits or increased expenses due to illness.

If the bank does not accept the certificate from the employer, family benefits office, social service provider, recognized debtor and consumer insolvency advice center or a lawyer, the next step is to file an application with the enforcement court.

How can I have the P account converted back to a checking account?

The Federal Court of Justice (BGH) has in its Judgment of February 2015 decided that a P account can be converted back into a normal current account upon application. However, there is no right to immediate conversion. Conversion at the end of the month is permitted.

If your contact person at Commerzbank urges you to completely cancel your account when canceling the additional service garnishment protection, don't let that fool you. Commerzbank is legally obliged to convert a P account back into a regular checking account. Normally, according to the clarifying judgment of the BGH, there should no longer be any such attempts on the part of the bank. However, the bank may no longer grant you an overdraft facility due to your P-account past.

How do I withdraw money from the P account?

credit cards
Real credit cards are usually not possible with P accounts. Commerzbank demands this back.

Your P account is a regular one Current account with the following restrictions:

  • You can't overdraw it (no dispo)
  • die Commerzbank stellt dir keine Credit card zur Nutzung mit dem P-Konto Verfügung. Du kannst aber eine free credit card ohne Schufa ergänzend nutzen.

Falls du vor der Umwandlung deines Kontos in ein P-Konto eine Kreditkarte und Dispo-Rahmen hattest, wird die Commerzbank diese Leistungen wahrscheinlich streichen.

Posting processes in the P account

In some cases, P accounts are checked manually. For example, the cash register clerk calls the garnishment department and gets the release of the available money over the phone. As a result, credits may not be available to you until later. However, banks must not deliberately disadvantage P account customers. If it takes a little longer, the following helps here: stay cool. Don't stress yourself unnecessarily, the bank will book the money in 1-2 days!

What are the fees for the P account? Does Commerzbank charge extra fees for the P account?

Keine. Das ist nämlich nicht erlaubt. The fees for a P account must not be higher than the fees for a regular current account. You have the right to reclaim fees that are higher than the fees for a normal checking account. Likewise, the conversion of your checking account into a P account must be carried out free of charge by the bank.

How do I switch the P account to another bank?

Theoretically, changing the P account is just as possible as with a regular checking account. But beware: If you change banks, this means that you would have to open a P-account at your new bank from the start. Banks are not obliged to do this. They will probably offer you a basic account on worse terms.

Happy is anyone who already has a second checking account at another bank. Then you would first have to close your old P account before you convert your new current account into a P account. According to the legislature, each person may only have one seizure protection account.

Negative Schufa! – Was jetzt? Bekomme ich noch ein Commerzbank P-Konto?

Situation: "I received a garnishment notice, I'm dissatisfied with my previous bank and I can't get an account at another bank because of a negative credit bureau. What can I do?"

Answer: In our list of 7 best banks to open a garnishment protection account you will find banks that open banks for people with poor creditworthiness despite negative credit bureau.

P account too much money on it?

Rechtsanwalt: Normalerweise nicht notwendig für die Umwandlung von einem Deutsche Bank P-Konto

Take the unused amount of the P garnishment protection account with you into the next month

What will happen to the protected credit on the garnishment protection account in the next month or the month after next? 

Situation: “I work part-time and get around EUR 900 net. I currently have a seizure going on and am faced with the question of whether I can take my unused allowance with me into the next month. Will the bank seize the money in the following month, since I am then above the allowance?"

Answer: You can carry the money over from month 1 to month 2. In this case, no garnishment takes place. However, if you take it over from month 2 to month 3, the credit can be fully attached. The already mentioned “P account paragraph” Section 850k (1) of the Code of Civil Procedure regulates the situation. The facts are here described in more detail.


recommendation: In order to be able to sleep peacefully, it is advisable to withdraw the money from the account at the beginning of the month if possible, but at the latest before the end of the month. Even if it is legally permissible to take credit into the following month (month 1 after month 2), I advise against it for security reasons.

Commerzbank P-Konto zurückwandeln

Ist die Pfändung durch, kannst du dein Pfändungsschutzkonto auf Antrag bei deiner Commerzbank in ein reguläres Girokonto zurückwandeln lassen.

How can I contact Commerzbank?

Contact your branch to have your Commerzbank account converted to a P account. You can find the branch responsible for you here Find. Alternatively, you can also contact the bank's head office in Frankfurt.

Commerzbank address:

Commerzbank Aktiengesellschaft
60261 Frankfurt am Main

Commerzbank online support:
You can reach the bank via social media channels, via chats (text, audio and video) and by email: info@commerzbank.com

Commerzbank hotline:
069 98 66 09 66

Commerzbank Fax:
069 285-389

Pfändungsschutzkonten im Überblick – Alternativen zum Commerzbank P-Konto

Under the linked articles you will find further useful information about garnishment protection accounts at the following banks. If you now ask the question "Can I open a new account despite seizure?’ is going through your head, the linked article may be able to help you. There you will find step-by-step instructions on how to open one Seizure protection account despite debt. You can open your new account directly as a P account or choose a special account without a Schufa and have it converted into a seizure protection account.

The 7 best banks to open a garnishment protection account

In this table you will find the 7 best banks to open a garnishment protection account. Most banks refuse to open a garnishment protection account directly. Therefore, it is usually necessary to open a regular account first. You can later convert this to a P account. However, you should definitely follow the instructions on this page, otherwise the account conversion may fail. In the worst case, you will then be left without an account. Because (unfortunately!) banks are not obliged to open an account for protection against seizure. The only provider where you can open a seizure protection account directly pay center with the Supreme card.

Current account without SchufavaluationfunctionsServices
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Top recommendation


Online P account conversion

Account that can be opened directly as a P-account despite negative Schufa entries

Credit based account
P-account conversion without paperwork (not possible with any other bank)
Opening possible despite negative Schufa entries
As a P account: full account + seizure protection with German IBAN


€6.58 / €11.58 account management (without/with transfers) 🙌
€5 MasterCard Debit 💳
€5 per withdrawal 💰
Credit account without Schufa!




More information:
supremacard.de

N26 Logo



recommendation


Low fees


Open an N26 standard account. If your credit rating is bad, you will automatically receive the N26 Flex.
Credit based account
Easy to carry out P account conversion
Opening possible despite negative Schufa entries
As a P-account: Full account + seizure protection with German IBAN and many features such as sub-accounts, Moneybeam, etc.


0 € account management (6 € for N26 Flex) 🙌
0 € GiroCard 💳
0 € credit card 💳
Free cash 💰
Credit account without Schufa possible!


To the
N26 review



To the provider:
N26.de



Vivid Money


Not recommended as a P account



Free smartphone account that can be opened despite negative Schufa entries

Credit based account
Opening possible despite negative Schufa entries
P account conversion is cumbersome and the app can only be used to view credit afterwards
After P-account conversion, no more orders can be executed via the app and you have to contact support
As a P account, it is not a full account, but effective protection against garnishment.


0 € account management 🙌
€0 MasterCard Debit 💳
0 € per withdrawal up to 200 € per month, above that 3 % 💰
Credit account without Schufa!




More information:
Vivid.money

Tomorrow Logo


Not recommended as a P account




Tomorrow receives the Sustainable Girokonto award in the comparison of free current accounts with no minimum deposit.

Inexpensive smartphone account - opening possible despite Schufa

Credit based account
Opening possible despite negative Schufa entries
P account conversion is cumbersome and the app can only be used to view credit afterwards
After P-account conversion, no more orders can be executed via the app and you have to contact support
As a P account, it is not a full account, but effective protection against garnishment.


3 € account management 🙌
0 € GiroCard 💳
0 € credit card 💳
€2 per withdrawal 💰
Credit account without Schufa!
Sustainable Account 🌱




More information:
Tomorrow.de

Openbank Logo


P-account opening not possible due to Spanish banking license


Free current account from Santander Bank - the largest bank in Spain

Credit based account
Opening possible despite negative Schufa entries
Complicated opening: Identification via scanned ID card Opening via Post-Ident not possible
Possible problems with direct debit payments due to Spanish IBAN
No garnishment protection possible


0 € account management 🙌
0 € GiroCard 💳
0 € credit card 💳
Free cash 💰
Credit account without Schufa!

More information:
Openbank.de

Bunq Logo

P-account opening not possible due to Dutch banking license


Inexpensive smartphone account - opening possible despite Schufa

Credit based account
Opening possible despite negative Schufa entries
No garnishment protection possible


2.99 € account management 🙌
€0 MasterCard Debit 💳
€0.99 per withdrawal 💰
Credit account without Schufa!




More information:
Bunq.de

Open a new account despite seizure? – A current account without Schufa is a way out

Zu Eröffnung des Pfändungsschutzkontos bei der Commerzbank benötigst du:

  • Seizure protection account application that you receive from your Commerzbank
  • identity card.
  • seizure notice
  • Weitere Dokumente zur Erhöhung des Freibetrages, die du am Besten gemeinsam mit einer gemeinnützigen Schuldnerberatung ausfüllst („P-Konto Formular“).

Fazit zum Commerzbank P-Konto

Um in den Genuss des P-Konto Schutz zu Kommen musst du bei deiner Commerzbank Filiale einen P-Konto Wandlungsantrag stellen. Damit erhältst du sofort den Basisschutz. Zudem ist die Commerzbank dann gesetzlich verpflichtet das P-Kontoinnerhalb von 4 Tagen zu eröffnen. Die P-Konto Wandlung ist dabei auch rückwirkend noch 4 Wochen gültig. Ein erhöhter Freibetrag ist mit Bescheinigung möglich.

Eine Pfändung bietet aber auch Anlass sich mit seinen Finanzen näher zu beschäftigen und Entscheidungen zu hinterfragen. Hierzu gehört auch die Frage bei welcher Bank du ein P-Konto eröffnen solltest. Dabei empfehlen wir die Eröffnung eines P-Kontos bei der Commerzbank not. Die Bank wird die Kontoeröffnung nach Sichtung einer negativen Schufa direkt ablehnen und dich wahrscheinlich im Regen stehen lassen. Wenn du ein P-Konto bei schlechter Bonität eröffnen möchtest, benötigst du daher ein Konto ohne Schufa Abfrage. Im Beitrag Open a P-Konto – Which bank? – The 6 best P Kontos findest du hierzu einige Empfehlungen. Zudem sparst du mit einigen dieser Konten sogar Kontoführungsgebühren. Ein P-Konto bei der Commerzbank ist nämlich mitnichten kostenlos – ganz im Gegensatz zu unseren Alternativen. Schaue dir die besten P-Konten daher unbedingt einmal an.

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Open a Commerzbank P account
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Find all the essential information about the P account (anti-garnishment account) at Commerzbank here. Allowances, conversion, tips. For free. Independently ????
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