Cost
Basic data access and opening a protected account at Fina are free
Work and business
Work and businessEditorially reviewed 25/10/2026
First steps after an account freeze
Find out how to check a debt and payment basis after a freeze notice, download documents and protect income that is legally exempt from enforcement.
Usual time
e-Dugovanja access is immediate; protected-account processing depends on complete documents
Responsible institution
Fina
How would you like to apply?
Documents and steps differ depending on how you apply.
In person at Fina
At any Fina branch you can obtain basic information about the debt, creditor and payment basis free of charge.
Online through e-Dugovanja
With an appropriate e-Citizens credential, you can review debts, documents and protected income.
Required documents
Selected: 0 of 4
For both application methods
Selections are saved only in this browser. We do not store document numbers or personal data.
Steps
In person at Fina
- 1
Identify the type of enforcement
This guide concerns enforcement on monetary funds that Fina carries out on accounts. For real estate, a vehicle, a court deadline or another enforcement type, read the received document and seek professional help if needed.
- 2
Download and retain documentation
Download the image of the payment basis, collection specification and freeze confirmation. Do not rely only on the amount in a bank notification.
- 3
Check whether you have protected income
Child allowance, maintenance, certain social benefits, scholarships and the legally protected part of salary or pension can be exempt from or limited in enforcement.
- 4
Open a protected account if needed
You can open a protected account free of charge through e-Dugovanja, Fina's online service or in person at Fina. Attach the notice form and evidence of income; some income requires payer confirmation.
- 5
Follow the document and its specific deadline
Deadlines for objections, appeals, payment or other actions are not the same for every basis. Check the date and instruction in the received document and contact the competent body or legal assistance for a legal remedy or debt dispute.
- 6
Request basic information at a Fina branch
If you do not use e-Dugovanja, request basic information about the debt amount, creditor and payment basis free of charge at any Fina branch.
Online through e-Dugovanja
- 1
Identify the type of enforcement
This guide concerns enforcement on monetary funds that Fina carries out on accounts. For real estate, a vehicle, a court deadline or another enforcement type, read the received document and seek professional help if needed.
- 2
Check the payment basis, creditor and debt status in e-Dugovanja
In e-Dugovanja, review debts, the amount, creditor, payment basis and documentation.
Open official e-serviceOpens in a new tab. - 3
Download and retain documentation
Download the image of the payment basis, collection specification and freeze confirmation. Do not rely only on the amount in a bank notification.
- 4
Check whether you have protected income
Child allowance, maintenance, certain social benefits, scholarships and the legally protected part of salary or pension can be exempt from or limited in enforcement.
- 5
Open a protected account if needed
You can open a protected account free of charge through e-Dugovanja, Fina's online service or in person at Fina. Attach the notice form and evidence of income; some income requires payer confirmation.
- 6
Follow the document and its specific deadline
Deadlines for objections, appeals, payment or other actions are not the same for every basis. Check the date and instruction in the received document and contact the competent body or legal assistance for a legal remedy or debt dispute.
Prices and deadlines
| Procedure | Price | Deadline |
|---|---|---|
Procedure cost The final amount depends on the applicable tariff and circumstances of the individual application. | Basic data access and opening a protected account at Fina are free | e-Dugovanja access is immediate; protected-account processing depends on complete documents |
Important notes
- The guide does not cover every enforcement type and does not give legal advice about disputing a debt.
- A deadline in the received document may be short; that specific document is authoritative.
- A protected account is not automatic: to protect income, submit an application and documentation.
Common mistakes
- An account freeze is mistaken for an answer to every enforcement type.
- The payment basis is not downloaded, so the creditor is unknown.
- Protected income is assumed to remain available without a protected account.
- A deadline in the received document is missed.
Institutions
Official sources
Information was editorially reviewed on 25/10/2026. Before applying, check the latest information on official websites.
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