P-Konto Increase allowance - How long does it take?

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if you a P accountIt is worth checking whether you can increase the tax-free amount. While the Conversion of the account according to the law must be made within four business days, such a deadline does not exist for the increase of allowances. Therefore, many corrected rightly ask "How long does it take to increase the P-Konto allowance?". Normally, however, the increase of the allowance on the P-Konto occurs within three to four banking days.

However, customers are not entitled to a quick increase in the allowance, because there is no legally prescribed maximum duration of the increase in the P-Konto allowance.

Often, banks do not process the application for an increase themselves. Instead, service providers are used for this purpose. If the increase of the allowance on the P-Konto has worked, you will not receive a separate notification. You can find out whether your request for an increase in the allowance has been approved in the account information in Online Banking. If you do not have a Pfändungsschutzkonto yet, your money will be at risk in the event of a garnishment and may flow unprotected to the creditors. In the article Open P-Konto - Which Bank? you will find the best P accounts to protect your money from seizure.

P-Konto Increase allowance - How long does it take?

pay center - how long does it take to increase the P-Konto allowance?

P-Konto Increase allowance - How long does it take at Paycenter? pay center* processes the application for an increase in the P-Konto allowance within three to four bank working days. You can then check the status in online banking. If you want to know whether the increase in the allowance on your account was successful, it is advisable to check the status yourself in online banking or to ask the bank.

In contrast to other banks, you can find the documents for the increase of the tax-free amount directly in the online banking at Paycenter. In order to increase the P-Konto tax-free amount, you can fill in and submit the tax-free amount increase form in accordance with section 903 (1) of the German Code of Civil Procedure (ZPO).

The Pfändungsschutzkonto can be activated in a few minutes in the logged-in online area. The basic tax-free amount will be automatically secured from this moment on and your Girokonto cannot be seized beyond this amount. In order to additionally increase the exemption amount, you can fill in and submit the certificate for the exemption amount increase (according to § 903 Abs. 1 ZPO about the according to §§ 902 and 904 ZPO). You can find the certificate in your logged-in online area under P-Konto.

P-Konto Increase allowance - How long does the paycenter take
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Savings Bank - how long does it take the red giant to increase the P-Konto allowance?

P-Konto Increase allowance - How long does it take at the Savings Bank? - On the Sparkasse-P-Konto the increase in the exempt amount takes about three to four bank working days. As an account holder, you will not receive a notification of the successful P-Konto conversion. Instead, you have to see the status in online banking yourself.

It takes about 3 to 4 bank working days to increase the P-Konto allowance at the Sparkasse.

The savings bank hands over increases in the allowance on the P-Konto to a service partner. This means that the savings bank accepts the form to increase the P-Konto allowance and sends the form directly to the service partner. It usually takes 3-4 days for the increase to reach our system.

Employees on the duration of the P-Konto tax-free allowance increase at the Sparkasse

postal bank - how long does it take Postbank to implement an increase in the P-Konto allowance?

P-Konto Increase allowance - How long does it take at Postbank? - Also at Postbank P account the increase in the allowance takes less than a week. You can expect approximately three to four bank working days until your allowance has been increased on the P-Konto. As an account holder, you will not receive a notification of the successful P-Konto conversion. Instead, you have to see the status in online banking yourself.

Increase P-Konto allowance - how long does it take postbank

German Bank - how fast is Deutsche Bank working on increasing the P-Konto allowance?

P-Konto Increase allowance - How long does it take at Deutsche Bank? - Also with one Deutsche Bank P account the increase in the exempt amount is quick. You can expect approximately three to four bank working days until your allowance has been increased on the P-Konto. As an account holder, you will not receive a notification of the successful P-Konto conversion. Instead, you have to see the status in online banking yourself.

Increase P-Konto allowance at Deutsche Bank How long does it take? Deutsche Bank needs less than 4 banking days to increase the P-Konto allowance

People's Bank - does the credit union manage to increase the P-Konto allowance faster?

P-Konto Increase allowance - How long does it take at the credit union? – The Volksbank usually processes the application for an increase in the P-Konto allowance within the usual period of three to four bank working days. As an account holder, however, you will not receive any notification of the successful P-Konto conversion from the Volks and Raiffeisen banks either. Instead, you have to check the status yourself in online banking or ask the bank.

Volksbank 3-4 days

Commerzbank - and how long does it take to adjust the exemption limit at Commerzbank?

P-Konto Increase allowance - How long does it take at Commerzbank? - At the Commerzbank P account the application for an increase in the allowance is processed within three to four bank working days. As with the other banks, you will not receive any notification from Commerzbank that your application has been successfully implemented. If you want to know whether the increase in the allowance on your account was successful, it is advisable to check the status yourself in online banking or to ask the bank.

 3-4 days at Commerzbank

Fastest processing of P-Konto allowance increase so that it does not take long time

All banks take about the same amount of time to increase the P-Konto allowance, according to my surveys. In addition, minor differences in processing time between branches are to be expected.

How long it takes to increase the P-Konto allowance also depends on how quickly you can submit the documents. Since the increase of the P-Konto allowance depends on certificates of the family insurance fund or a lawyer, you should take care of appointments as soon as possible.

But even if the increase in all banks at about the same rate, it remains to note that the pay center* is the only provider to offer the P-Konto certificate directly in online banking. This shows the provider's experience with garnishment protection accounts.

P-Konto Increase allowance online free of charge

In order to ensure garnishment protection on the PAccount to increaseyou must have an official body certify that you are entitled to the increase. The P-Konto allowance increase is currently only available online from some law firms. However, these law firms are well remunerated for the online service: For the certification of the increased need for the P-Konto allowance, the online law firms charge about 15 Euro fees. Non-profit debtor and insolvency counseling agencies do not offer the P-Konto allowance increase online, but their service is free.

So what can you do to still increase P-Konto allowance free online?

You can increase the P-Konto allowance free of charge by obtaining the appropriate certificate download online and fill it in. Afterwards, you have the increase of the tax-free amount from Job center, social welfare office or the family insurance fund certify free of charge. This method is the fastest of all options due to the already pre-filled form. Moreover, it is the only free method to increase the allowance on the P-Konto.

How long is the increase valid?

In principle, an increase in the P-Konto allowance applies indefinitely. However, your bank may request a current certificate. It is therefore advisable to enter into a dialogue with the bank so that you can easily receive your personal allowance.

Where can I have the allowance increased?

You can submit your request for an increase in the allowance to one of the following offices:

  1. Family benefits office, job center or other benefit-granting agency
  2. Non-profit debtor and insolvency counseling center
  3. Employer
  4. Lawyer / tax advisor / commercial debt counseling service
  5. Enforcement court / enforcement agency

While the family benefits office issues certificates free of charge, lawyers usually charge a small fee. On the other hand, the waiting time with lawyers is usually shorter. Especially if you have P-Konto Certificate online can be issued. You can find more information about this at the Consumer Center.

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Unlike lawyers, the employer, or debt counseling services have Job Center, Social Welfare Office and Family Welfare Office the obligation to issue the P-Konto certificate for the increase of the allowance free of charge.

For whom do I receive additional allowances on my P-Konto?

Besides the basic allowance you can submit additional personal allowances on the Pfändungsschutzkonto. This will allow you to increase the protected amount. In total, you can submit five additional personal allowances. Thus, you can submit a request to increase the garnishment exemption limit for the following persons:

  • your spouse,
  • minor, natural as well as dependent children,
  • but also for adult biological children in training or studies and
  • Persons who are in a community of need with ALG 2 can also receive further allowances

Registered life partners, on the other hand, do not count as dependants. Therefore, registered life partners cannot be taken into account when increasing the garnishment limit. However, life partners can be included if social benefits are received on the account and there is a community of need. Then you can apply for an additional allowance even though you are not married.

When does the money in the P account go to the creditor?

When the money goes to the creditor depends on whether it is moratorium amounts under §900 ZPO or takeover amounts under §899 ZPO. In either case, the money goes at different times to the creditor. The list in the article shows you when the money goes to the creditor. P-Konto: When does the money go to the creditor?

When is the money available if the P-Konto allowance has been exceeded?

If you receive more money in a month than the garnishment exemption allows, you exceed the P account exemption. Now the bank moves the money above the garnishment exemption to a disbursement account and blocks it for the current month. In this case, the bank usually releases the money on the first banking day of the following month. You can find an illustrated explanation of this in the article: "P-Konto Exemption amount exceeded: When is the money available?"

What happens when double salary is received on the P-Konto in one month?

at two salary receipts in one month on the P-Konto As a debtor, you will still have disadvantages through no fault of your own in December 2021 despite the amendment to the law. This is because the bank will initially block the money above the garnishment allowance and it will not be available to you again until the following month. In the following month you can again have full control of the money, but it is now your responsibility to do so. Because if you don't use up all of the money transferred to the following month or withdraw it, the bank transfers it again. However, after 3 transfers, the money flows out to the creditors. The situation regarding twice the salary in one month on the P account is regulated in §899 ZPO in the second paragraph.

What happens with too much money in the P account?

If you receive more money than the P-Konto allowance in one month, the money will be blocked for both parties on the distribution account in the following month. Only when the amount on the distribution account exceeds the allowance, the money goes to the creditor. There are several flows of money, which are described in the article "What happens with too much money in the P account?" are explained with illustrated instructions.

Conclusion: "How long does it take to increase the P-Konto allowance?"

While the Conversion of the account According to the law, this must take place within four business days, but there is no comparable period when increasing the allowances. At the banks pay center*, Sparkasse, Postbank, Deutsche Bank, Volksbank and Commerzbank the increase in the allowance on the P-Konto takes place within three to four banking days.

*Affiliate link: If you get to a provider via one of these links from my website, I may receive a commission. This does not result in any additional costs for you. ❤️ THANK YOU for using these links! ❤️

Disclaimer: This is well researched but non-binding information.

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