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Elusive bank balance (SBI)

Verified 01 April 2023 - Legal and Administrative Information Directorate (Prime Minister)

When your bank account is entered, the bank leaves a minimum amount on your account: the elusive bank balance (SBI).

At least leaving the SBI on your account should allow you to make your food purchases.

The amount of the SBI shall be €607.75, regardless of your family situation (e.g. presence or absence of dependent children).

The situation differs depending on whether your bank account is less than or equal to or €607.75 or greater than €607.75.

Less than or equal to €607.75

If on the day of entry, you have less than €607.75 or just about €607.75 on your bank account, then your account is left as is.

Example :

If your bank account has €200 before the seizure, then the bank leaves these €200 on the account. No money is charged to the account.

More than €607.75

Your bank account may have received elusive sums (minimum social benefits, family benefits, maintenance received...).

The relationship between these sums and the SBI at the time of seizure depends in particular on the amount of these sums.

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Bank account with elusive sums

Elusive amounts less than €607.75

Example :

If the day of entry:

  • Bank account has €700, of which €100 of elusive sums
  • The entry to be made is €400

The SBI is then €607.75.

Then, after typing:

  • It is left on the account the amount of the SBI, either €607.75 (because it is greater than the amount of the unseizable amounts)
  • The seizure made is €700-€607.75= €92.25
Elusive amounts over €607.75

Example :

If the day of entry:

  • Bank account has €700, of which €600 of elusive sums
  • The entry to be made is €400

Then, after the seizure:

  • The amount of the uncollectible amounts is left in the account (as it is greater than the SBI), i.e €600
  • The seizure made is €700-€600= €100

Other case

Example :

If the day of entry:

  • Bank account has €700. There is no elusive sum involved
  • The entry to be made is €400

The SBI is then €607.75.

Then, after typing:

  • It is left on the account the amount of the SBI, either €607.75
  • The seizure made is €700-€607.75=€92.25

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