How to get a P-account?

In most cases, you can convert your account to a P-account directly in the N26 app using the link in the message we send you about an incoming garnishment.

If you can’t complete the conversion in the app (for example, if the automated flow fails), you can still request a P-account by replying to the message in Messages from N26 with a signed form attached (see below).

  1. Open the message about the incoming garnishment and use the link to start the P-account flow.
  2. Read the information shown in the flow and accept the required checkboxes.
  3. Select Submit request.

What happens next

  • If your request is processed automatically, your account is converted within a few seconds and you’ll receive a confirmation in Messages from N26.
  • If the automated flow fails, follow the manual request steps below.

Manual request (only if the automated flow fails)

Please fill out this P-account form and sign it.

Then reply to the message you received in Messages from N26 about your garnishment and attach the signed form.

Please note

  • We report your P-account conversion to Schufa Holding AG.
  • If your account has been garnished and you have an open credit or overdraft at the time of conversion to a P-account, we’ll have to cancel your overdraft and/or credit.
  • You’re allowed to have only one P-account. Having multiple P-accounts (even at other banks) is a violation of the law and can lead to an extraordinary termination without notice of your N26 account.
  • Upon activation of the P-account, all Spaces will be removed and the funds will be moved to your main account. You’ll no longer be able to create new Spaces.
  • If you are a Joint Account holder, your P-account request will trigger its closure. In case of a P-account, you will be unable to open a Joint Account.
  • If you are a Savings account holder, be informed that these funds are not automatically protected by your P-account. To have the funds in your Savings account transferred to your main account for protection, ask for a specialist in the support chat. You must do this within the first month after the garnishment is put on your account.

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