Need a hand?

If your Revolut account is seized in order to settle an unpaid debt (“garnishment”), you can ask for it it be converted to a p-account.

A p-account is a payment account with a legally defined credit limit that’s protected against seizure. Converting your account won’t prevent seizure, but it guarantees your access to a minimum rolling monthly amount.

If you have any questions or need more advice, you can contact recognised debtors and consumer insolvency advice centres. Revolut can’t provide financial advice.

If the p-account is garnished, you'll receive ‌automatic garnishment protection as a basic allowance. As of 1 July 2025, this basic allowance is EUR 1.560. You can withdraw or use credit balances up to the maximum amout of the basic allowance, even after garnishments have been served.

The garnishment allowance for the p-account may be increased, depending on your circumstances. To increase it, you need to show proof of the circumstances that make you eligible for a higher basic allowance. You can do this by providing a suitable certificate.

This certificate can be issued by the social benefits agency or a recognised debtor and consumer insolvency advice centre. This certificate can also be issued by an employer, family insurance fund, lawyer, or tax adviser.

Even after garnishments have been served, you're entitled to convert your existing payment account to a p-account that works on a credit basis only. This means we'll cancel any existing credit line and any existing credit card agreements.

The conversion into a p-account must be done within one month of the garnishment being served, and we’ve received a transfer order. Then, the protective effect of the p-account applies from the date of service of the garnishment and transfer order.

You may only keep one account as a p-account. Keeping several p-accounts isn't permitted, and may cause legal repercussions. The account conversion can also be requested by an authorised representative.