KG 46: P-Konto Certificate for Kindergeld (Familienkasse)

What is KG 46 — P-Konto-Bescheinigung (Kindergeld)?

A Pfändungsschutzkonto (P-Konto) is a German current account that protects a basic monthly amount from garnishment (Pfändung). Kindergeld and Kinderzuschlag can raise the protected amount, but the bank needs proof. Under § 903 (1) of the Code of Civil Procedure (ZPO), a certificate from the body that pays the benefit is one such proof. KG 46 is how you ask the Familienkasse of the Bundesagentur für Arbeit for that certificate. The current edition is KG 46 - 01.23, Stand April 2023.

The form says the certificate can only be sent to the person who applied for Kindergeld and receives it on their own account, or to a child who receives the Kindergeld diverted (abgezweigt) to their own account by a Familienkasse decision. If your Kindergeld is paid into someone else's account, you only get a confirmation of which account it goes to.

FileIt explains each part of KG 46 in English with the German term alongside, ticks the right boxes and prints your answers onto the official German PDF. Names can be pre-filled from the People records in your vault, and the finished PDF is saved there. FileIt does not send anything to the Familienkasse: you print, sign by hand and send it yourself.

Issued by: Bundesagentur für Arbeit, Familienkasse
Legal basis: § 903 (1) ZPO, the certificate for a P-Konto
Who fills it: The person who receives Kindergeld, or a child who receives it diverted to their own account
Signatures: Handwritten, by the applicant or their legal representative
Edition: KG 46 - 01.23 - Stand April 2023, 1 page

Who needs to fill out KG 46 — P-Konto-Bescheinigung (Kindergeld)?

Parents with a P-Konto whose Kindergeld or Kinderzuschlag should not be garnished, and whose bank asks for a certificate.
A child aged 18 or over who receives Kindergeld diverted to their own account by a Familienkasse decision.
Anyone switching their account to a P-Konto who needs the higher protected amount for children.

When to use KG 46 — P-Konto-Bescheinigung (Kindergeld)

When you open a P-Konto or convert an account to one, and want the Kindergeld or Kinderzuschlag protected on top of the basic amount.
When your bank asks for an up-to-date certificate.
Not to report changes to your Kindergeld. Those go on KG 45.

What you need before you start

Your Kindergeld number (three digits, FK, six digits), from any Familienkasse letter.
The name of the person entitled to Kindergeld, and your own name, date of birth and address.
The name of the bank that holds your P-Konto.
Whether the Kindergeld is paid into your own account or someone else's.
The name and address of your Familienkasse, if you know it.

What’s on KG 46 — P-Konto-Bescheinigung (Kindergeld)

The 2023 edition has 1 page. FileIt asks for it in 4 parts:

Kindergeld file (Kopfzeile)Applicant (antragstellende person)
1 Details of the applicant (Angaben zur antragstellenden Person)Applicant (antragstellende person)
2 The certificate you need (Angaben zur benötigten Bescheinigung)Applicant (antragstellende person)
Declaration and signature (Unterschrift)Applicant (antragstellende person)

How to fill out KG 46 — P-Konto-Bescheinigung (Kindergeld), step by step

1 Kopfzeile (header)

The surname and first name of the person entitled to Kindergeld, the Kindergeld number, and a daytime phone number for questions.

2 1 Angaben zur antragstellenden Person

The applicant's surname, any title, first name, date of birth and address including country.

3 2 Angaben zur benötigten Bescheinigung

Tick whether you need the certificate for the Kindergeld, the Kinderzuschlag, or both, and name the bank it is for. Say whether the Kindergeld is paid into your own account or another person's. Then say who the certificate is for: the person who applied for Kindergeld or Kinderzuschlag (ticking which), or the child who receives the diverted Kindergeld. Add your Familienkasse's name and address if known.

4 Unterschrift

Date the form and sign it by hand. You confirm that the details are complete and true, that you will report changes straight away, and that you have read the Merkblatt Kindergeld.

Common mistakes to avoid

Leaving out the Kindergeld number. The Familienkasse needs it to find your file.
Expecting a certificate when the Kindergeld goes to someone else's account. In that case the form says you only get a confirmation of the account.
Forgetting to tick which benefit the certificate should cover.
Sending it unsigned. The Familienkasse needs a handwritten signature.

After you fill it out

Print the PDF, sign it by hand and send it to your Familienkasse. FileIt does not send it for you.

When the certificate arrives, give it to your bank so it can apply the higher protected amount on your P-Konto.

Keep the filled PDF and the certificate in your FileIt vault.

Fill out KG 46 — P-Konto-Bescheinigung (Kindergeld) online with FileIt

Pick the person. Choose someone from People and FileIt fills in their name, date of birth, address and other details it already knows.
Answer plain-language questions. One part of the form at a time, with the official help text beside each question — 17 fields in all. Your answers save as you go.
Check the live preview. Watch your answers land on the real Bundesagentur für Arbeit — Familienkasse form, and let FileIt do any worksheet arithmetic.
Generate the official PDF. FileIt prints your answers into the agency’s own PDF and files it in that person’s folder in your vault.

FileIt fills the form — it never files or submits anything for you. Deliver the finished form to whoever asked for it, the way the form’s instructions say.

Start KG 46 — P-Konto-Bescheinigung (Kindergeld) now — it’s free

KG 46 — P-Konto-Bescheinigung (Kindergeld): frequently asked questions

What is KG 46?

It is the Familienkasse's application for a certificate under § 903 (1) ZPO for a P-Konto (Pfändungsschutzkonto), covering the Kindergeld and / or Kinderzuschlag paid to you.

What is a P-Konto?

A Pfändungsschutzkonto is a German current account on which a basic monthly amount is protected from garnishment. Certificates such as the one KG 46 requests let the bank protect a higher amount.

Can the Familienkasse send the certificate to anyone?

The form says it can only be sent to the person who applied for Kindergeld and receives it on their own account, or to a child who receives diverted Kindergeld on their own account.

Is the form in English?

No, KG 46 is in German. FileIt explains each question in English and prints your answers on the German form.

Can I sign KG 46 electronically?

FileIt doesn't offer e-signing for this form. Print it, sign by hand and send it to your Familienkasse.

Can I fill in KG 46 online with FileIt?

Yes. FileIt fills the official PDF and saves it in your vault. You then print, sign and send it yourself. FileIt never submits forms.

Official sources

Blank form (PDF), published by Bundesagentur für Arbeit — Familienkasse: https://www.arbeitsagentur.de/datei/kg46-antrag-pfaendungsschutzkonto_ba043911.pdf
Official instructions and guidance: https://www.arbeitsagentur.de/familie-und-kinder/downloads-familie-und-kinder/formulare-kindergeld
Edition shown on this page: KG 46 - 01.23 - Stand April 2023 (checked 2026-10-01).

FileIt is not affiliated with or endorsed by Bundesagentur für Arbeit — Familienkasse or any government. This page explains the form in general terms and is not legal, tax or immigration advice. Always read the official instructions, and check that you are using the edition the recipient accepts. Page last reviewed 2026-10-01.