By setting up a P-Konto (protected account), you can safeguard the basic exemption amount, currently set at €1,340, as well as other incoming payments on your checking account, such as child benefits, from garnishment. To obtain a P-Konto exceeding the basic exemption amount of €1,340, you can simply visit your bank and apply for it there. However, if you wish to claim higher exemption amounts for dependents, such as a spouse and/or children, or for child benefits, nursing care benefits, or certain social benefits, you will need the so-called P-Konto certificate. You can obtain this certificate from us. For further information on additional incoming payments that can be protected from garnishment on a P-Konto, please refer to this link.