PSK distribution account

A distribution is the payment of a financial sum to a person who is entitled to that sum of money. This is often a creditor.

Nein. Ein P-Konto ist ausschließlich für natürliche Personen vorgesehen, um deren Existenzminimum im Falle einer Pfändung zu sichern.

Gibt es Alternativen für Unternehmen?
Unternehmen haben zwar kein Anrecht auf ein P-Konto, aber es gibt einige Maßnahmen, um sich vor Pfändungen zu schützen:

Treuhandkonten: In bestimmten Fällen können Treuhandlösungen helfen, um geschäftskritische Zahlungen zu sichern.
Anderkonten: Anwälte oder Steuerberater können solche Konten verwalten, um Unternehmensgelder vor Pfändungen zu sichern.
Zweckgebundene Konten: Falls bestimmte Gelder nicht gepfändet werden dürfen, kann ein separiertes Konto helfen.
Insolvenzrechtliche Maßnahmen: In der Unternehmensinsolvenz gibt es Schutzmechanismen, um Konten für den laufenden Geschäftsbetrieb zu erhalten.

Direct withdrawals from the distribution account are generally not possible , as this account is used to manage amounts that exceed the non-seizable amount on the P account. However, transfer amounts can be transferred to the P account in the following month and then used.

An account is "settled" at the end of a month. This means that the remaining balance above the non-seizable amount is transferred to the settlement account.

The money in the distribution account is used to cover any needs that may arise in the next month if the balance on the P account is exhausted . Moratorium amounts, on the other hand, are only released when the corresponding moratorium ends.

If there is more money in the P-account than the amount exempt from seizure, this excess money is transferred to the distribution account. There it is protected from seizure and can be used in the next month if the balance in the P-account is exhausted.

The bank always releases the non-seizable amount on the P-account on the first day of the month. Any amounts transferred from the distribution account are also released during the course of the month if the balance on the P-account has been exhausted.

In order to access the money from the distribution account, the balance on the P account must first be exhausted . The transfer amounts are then transferred from the distribution account to the P account and can be used.

There are various reasons why you might close a PSK payout account , for example if you no longer have any use for the account or no longer want to pay the account fees.

Typically, you will need to contact your bank or the financial institution that maintains the PSK withdrawal account. Often, a written request or formal notice of termination is necessary. Note that a notice period may apply. Make sure you have completed any outstanding transactions and transferred any funds to another account before closing the account . It is also important to remember that there may be account closure fees.