What you’ll learn in this article

– How to find out who froze your account and why
– What money the bailiff can (and cannot) seize
– What the exempt amount is and how to get it
– How to defend yourself against wrongful or excessive seizure
– What to do if you urgently need money
– Lawyer’s practical tips and recommendations

1. Who froze your account – and how to find out

Your bank didn’t freeze your account on its own. Most likely it was a licensed bailiff who:

• has a valid enforcement title (e.g. court ruling, payment order),

• issued an enforcement order to the bank,

• and didn’t need your consent – the order is sufficient.

📌 The bank should notify you within a few days. If not, check the Central Register of Enforcement Actions (CEE).

2. Can the bailiff take all your money?

Unfortunately, yes – at first. If you don’t protect your account, the entire balance can be frozen, unless:

• you request the release of the exempt (non-seizable) amount,

• or you prove the funds are protected (e.g. social benefits, housing allowance).

👉 Warning: The exempt amount must be actively requested – it’s not automatic.

3. What is the exempt amount and how to get it

Everyone is entitled to keep a minimum amount of money. This includes:

• approx. CZK 13,638 per month (as of 2025),

• higher amounts if you have children or a spouse,

• funds from social benefits, pensions, etc.

📌 Steps to take:
– Ask your bank to release the exempt amount,
– Provide proof of income or benefit type,
– Notify the bailiff as well – they may reduce or cancel the freeze partially.

⚠️ Risks and common mistakes

• Not knowing who to contact – expecting the bank to fix it

• Failing to provide documents – and getting nothing released

• Confusing enforcement with insolvency – different rules apply

• A second freeze hits another account – yes, this can happen

🧷 Lawyer’s recommendations

✔ Find out the enforcement file number and bailiff’s name
✔ Immediately request the exempt amount from your bank
✔ Check the origin of the funds – some are fully protected
✔ If the execution is incorrect or already paid – file a motion to stop enforcement
✔ In case of doubt or conflict – consult a lawyer. In many cases, you can get your money back.

⚖️ Real-life example

A man lost his job and had an outstanding debt. Meanwhile, he received a housing allowance.
The full CZK 6,000 was frozen.
After we contacted the bank and bailiff, provided proof, and made a formal request, the amount was fully refunded.
If he hadn’t taken action, the money would have been lost.