Application to protect a garnished bank account (Austria)
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This document is in German
The PDF you download is in German — that is the language it has to be filed in, so it is not translated. Everything on this page is here to tell you what it says.
Your application to the enforcement court in Austria when your bank account has been garnished and your wages, salary, pension or other income that is only partly garnishable is paid into it. Austria has no special protected account: on your application the district court lifts the garnishment under § 292i EO as far as the balance matches the protected part of your income until the next pay date, and if asked, in advance for what you urgently need. With the case number, bank, IBAN, income and pay dates. By post, in person or through JustizOnline — not by e-mail; you can also apply orally at the court. In German.
What you fill in
The details the document asks for.
- Debtor
- Debtor's address
- Date of birth
- Enforcement court (the district court named in the garnishment papers)
- Enforcement court's postal address
- City
- Date
- Enforcement case number (Geschäftszahl)
- Creditor
- Bank
- IBAN of the current account
- Application (lift the garnishment until the next pay date, and in advance if needed)
- Amount urgently needed until the next pay date
- Type of income (e.g. wages, pension, unemployment benefit)
- Date of the last payment received
- Amount of the last payment received
- Next pay date
- Number of people owed maintenance by law
- Attachments
Preview
This document is produced for you. Your answers are typed into it and the finished PDF is yours to keep.
Common questions
- Is there an account in Austria that protects the subsistence minimum from garnishment by itself?
- No. In Austria no special account protects the balance on its own. If wages, salary, pension or other partly garnishable income is paid into a garnished account, the enforcement court lifts the garnishment only on your application, as far as the balance matches the protected part until the next pay date (§ 292i Abs 1 EO); what you urgently need it can release in advance (§ 292i Abs 3 EO). Apply quickly: the bank pays the creditor only 14 days after the transfer order is served (§ 292i Abs 2 EO).
- How is the Kontenschutz application made to an Austrian court?
- At the enforcement court — the district court that conducts your enforcement; copy its name, address and case number (Geschäftszahl) from the court papers on the garnishment. Send the signed application by post, hand it in in person, or file it through JustizOnline with ID Austria — an e-mail to the court is not enough. No form is prescribed: you can also make the application orally at the district court, to be recorded (§ 53 EO); state-recognised debt advice services (Schuldenberatungen) help with it.
- How much stays protected from garnishment in Austria in 2026?
- That depends on your income and your maintenance duties. The general base amount of the subsistence minimum (Existenzminimum) is €1,308 a month in 2026; it is higher if you receive no 13th and 14th salary, and rises for each person you support under a legal maintenance duty. The figures change every 1 January and are published each year in the Existenzminimum tables. Enclose bank statements and your last payslip or pension statement so that the court can do the sums.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.
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