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Elusive Bank Balance (SBI)

Verified 01 April 2022 - Legal and Administrative Information Directorate (Prime Minister)

When your bank account is seized, the bank leaves a minimum amount on your account: the elusive bank balance (SBI). Leaving at least the SBI on your account should allow you to make your food purchases. The SBI is set at €575.52, regardless of your family situation (for example, dependent children).

Bank account less than or equal to 575,52 €

If you have less than €575.52 or €575.52 on your bank account, then your account is left as is.

Example :

If your bank account has €200 before the seizure, the bank leaves these €200 on the account. No money is taken from the account.

Bank account greater than €575.52

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

The relationship between these amounts and the SBI when foreclosed depends, inter alia, on the amount of these amounts.

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Bank account with elusive sums

Elusive sums less than €575.52

Example :

If the day of entry:

  • Bank account has €700of €100 elusive sums
  • The foreclosure to be done is €400

The SBI is then €575.52.

Then, after entering:

  • The SBI amount is left on the account, either €575.52 (because it is greater than the amount of non-recoverable amounts)
  • The seizure made is €700-€575.52= €124.48
Elusive sums greater than €575.52

Example :

If the day of entry:

  • Bank account has €700of €600 elusive sums
  • The foreclosure to be done is €400

Then, after the seizure:

  • The amount of the non-recoverable amount (as it is higher than the SBI) is left on the account, either €600
  • The seizure made is €700-€600= €100

Other

Example :

If the day of entry:

  • Bank account has €700. It does not include any elusive sums
  • The foreclosure to be done is €400

The SBI is then €575.52.

Then, after entering:

  • The SBI amount is left on the account, either €575.52
  • The seizure made is €700-€575.52=€124.48

FAQ

  • BankSupervisory and Resolution Authority (ACPR)