P-account allowance exceeded: When will the money be available?

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 locks it for the current month. The question When the blocked money will be available again is unclear, because the P account allowance has been exceeded. What happens to the money that is above the allowance You can read about the possibilities open to you in the linked article.

When will the money in the P account be available again if I have exceeded the allowance?

If the P account allowance is exceeded, the question arises When will the money be available again? is in the room. On the first banking day of the following month, the bank releases the blocked balance on the payment account again. The money on the payout account is treated like any other incoming money and credited to the P account. So that the transferred money does not later flow to the creditors, you should withdraw it.

P-Konto Freibetrag überschritten Wann ist das Geld verfügbar
P-account allowance exceeded: When will the money be available? – On the first of the following month, the bank pays out the money as wages

You exceed the P account allowance even if the employer pays your wages late and you now 2 salary payments on your P account - in one month have. However, in such a situation, you can still trade through scheduled withdrawals without the money being gone. You can find out how this works in the article P-account allowance exceeded: "How do I get my money?".

Can I carry over unused allowance to the following month?

You can unused credit transferred to the P account over the next month. If you only have a small pension, which is €1,100 below the garnishment exemption you must note the following when saving credit on the P account:

You can only transfer money on the P account amount to the following month a maximum of 3 times. The transferred money is then available at the beginning of the following month. This limit also applies to credit balances below the garnishment exemption amount. If you transfer the money to the following month for the fourth time, it will be attached - even though your income was below the attachment allowance.

The chart shows how unused allowances can be carried over to the following month if you receive €1,100 and save €50 a month. With the fourth transfer of the savings amount, the bank attaches the first transfer amount of €50. Until then, the takeover amount will be available at the beginning of the following month.

Unverbrauchtes Guthaben auf dem P-Konto in den nächsten Monat hinübernehmen - Mit Abführung an Schuldner wenn öfter als 3x über Monatsgrenze transferiert wird
From the fourth month, the money transferred is seized.

What happens if I exceed the allowance due to double payment?

At a double salary in one month as a debtor, despite the amendment to the law in December 2021, you are still suffering through no fault of your own. Because the bank initially blocks the money above the garnishment exemption amount and it is only available to you again in the following month. You can do it again next month have full control of the money, but it is now your responsibility to do so. Because if you don't use up the money transferred to the following month in full 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. It states:

If the debtor does not have a credit balance in the amount of the entire amount that is exempt from attachment in accordance with paragraph 1 in the respective calendar month, this unused credit balance is the three subsequent calendar months in addition to the assets protected under paragraph 1, are not covered by the seizure. Dispositions are to be offset against the credit balance, which is first credited to the garnishment protection account became.

§ 899 ZPO - paragraph 2 (Non-garnishable amount; transmission)

Therefore, it is still recommended that you become active on the P account yourself if you receive 2 salaries in one month by spending or withdrawing the transferred money from the previous month.

Conclusion: P-account allowance exceeded: When will the money be available?

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 locks it for the current month. In this case, the bank usually releases the money again on the first banking day of the following month.

If you want to save something yourself, you can also do this within limits on the P account. However, if you use the money you have saved more than three times in the following month, it is permanently blocked. In this case, the bank no longer releases the money, but instead it flows to the creditors.

See the embedded post for more information on when the money goes to the creditor. We consider the different boundary conditions of the cash outflow to the creditor moratorium amounts and transfer amounts.

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