A piggy bank hung with a colorful string of lights
Finance & Law
27.10.2025 Sabrina Ludwig 24061

How to protect your Christmas bonus from garnishment!

If you have financial problems and debts and have already had your wages or salary garnished, you can still look forward to receiving your employer's Christmas bonus. This is because the Christmas bonus is protected from garnishment up to 780 euros.
 

In summary: Protect your Christmas bonus from garnishment

Christmas bonus has been protected against garnishment up to 780 euros since July 2025. Employers pay out the protected amount automatically.

In the case of account seizures, the seizure protection on the P-account must be increased by application. Special payments at the end of the year are also protected if they are paid between November and January.

How high is the garnishment protection for Christmas bonuses?

The regulations are clear: Christmas bonuses are unattachable up to half of the monthly allowance in accordance with section 850c (1) no. 3 ZPO in conjunction with section 850c (4) no. 1 ZPO. Since July 1, 2025, this amount has been a maximum of EUR 780 (section 850c (1) no. 3 ZPO in conjunction with section 850c (4) no. 1 ZPO).

Note tax deductions for Christmas bonuses

You must bear this in mind: Taxes and social security contributions are deducted from the 780 euros.

Automatic payout and garnishment protection - what employers need to do

The employer must determine how much of the Christmas bonus is non-garnishable and transfer it to the employee with the salary. This happens automatically and the employee does not need to worry about anything.

If this does not happen automatically, the person concerned must initiate a clarifying discussion with their employer.

Do you have an account seizure? Then do so:

However, if you have an account attachment, you should urgently increase the amount that cannot be attached to the attachment protection account (P account) by the amount of the Christmas bonus.

Just because you have a P-account does not mean that the garnishment-free Christmas bonus is protected.

"This is because the protected basic amount and other already certified allowances will generally not be enough to secure the extra Christmas bonus," the consumer advice center points out on its website.

For this purpose, the debtor must file a corresponding application with the enforcement court of the place of residence, which is a division of the local court.

Sample letter: Additional release of the Christmas bonus for a P-account

A sample letter (additional release of the Christmas bonus for a P-account) can be easily downloaded from the consumer advice center:

Sample letter: Additional release of the Christmas bonus

When does garnishment protection also apply to special payments?

Important: The special remuneration paid out at the end of the year does not necessarily have to be called Christmas bonus or Christmas gratuity in order to receive the additional attachment protection. It is sufficient if the payment is made in connection with Christmas - i.e. between mid-November and mid-January of the following year.

Tips for those affected - act quickly!

Those affected should take action quickly, as the Christmas bonus is usually paid out with the November salary.

Help and contacts:in

If you have any questions or need assistance, affected employees whose company is a customer of pme Familienservice are welcome to contact the

pme income and budget counseling team
Angelika Heede
(specialist advisor)

Sources:

Consumer advice center

zero Write down positive thoughts: Never brood again

Woman writes in diary
Body & Soul
15.01.2024 Christin Müller 17237

Write down positive thoughts: Never brood again

When winter just won't end, it can really put a damper on your mood. In such phases, we often forget the positive moments that keep us going.

We would rather brood over negative things that have failed, upset or hurt us. However, positive thoughts are not only better for our well-being, they also help us sleep much better. Our health expert Petra Dinkelacker has a really good tip on how to change your mindset in the long term by writing down your positive experiences.

Store good experiences and ensure a lasting sense of well-being

Writing things down can help us to better remember positive experiences. By writing things down, we can determine over time which approach helps us to develop things in a positive direction and which strategies we should develop in the future.

This is how it works:

  • Get yourself a nice book and a nice pen that you use for the sole purpose of jotting down your thoughts.
  • Take five minutes before going to bed. That's often all it takes.
  • Now write down your successes and positive experiences of the day and ask yourself the following questions:
    ​​​​​​​
    • What worked well for me today?
    • How did I manage it or what did I do to ensure that it went well?

Think about three things and answer these two questions for each of them.

Plan to practise this method for at least three weeks and write down your experiences. If it doesn't work on one day, don't put yourself under pressure. Revisit your thoughts later or skip a day. But keep going and leaf back through your book from time to time to see what insights you can derive from it.

I wish you many positive thoughts!

Health impulses with our 5-minute exercises

Our 5-minute exercises give you ideas for more relaxation, balance, activity and feel-good moments in your everyday work and private life. They are not a substitute for professional help from counselors and psychologists.

Please seek professional advice, for example from life coaching (Link opens in a new window) ( Link opens in a new window) , if you are permanently depressed, suffer from persistent excessive stress and have deeper mental problems.