diff --git a/src/Entities/PaymentRequest.php b/src/Entities/PaymentRequest.php
index ee34c9e..13a7219 100644
--- a/src/Entities/PaymentRequest.php
+++ b/src/Entities/PaymentRequest.php
@@ -43,7 +43,7 @@ class PaymentRequest extends AbstractEntity
     /**
      * @var Payment[]
      */
-    public $payments;
+    public $payments = [];
 
     /**
      * @var string
@@ -93,9 +93,9 @@ public function setAttributes(array $attributes)
             }
         }
 
-        if ($payments = $attributes['payments'] ?? null) {
-            $this->payments = [];
+        $this->payments = [];
 
+        if ($payments = $attributes['payments'] ?? null) {
             foreach ($payments as $paymentData) {
                 $payment = new Payment($this->getTikkie());
 
diff --git a/src/Entities/User.php b/src/Entities/User.php
index 4b59adc..b28fc00 100644
--- a/src/Entities/User.php
+++ b/src/Entities/User.php
@@ -54,9 +54,9 @@ public function setAttributes(array $attributes)
     {
         parent::setAttributes($attributes);
 
-        if ($bankAccounts = $attributes['bankAccounts'] ?? null) {
-            $this->bankAccounts = [];
+        $this->bankAccounts = [];
 
+        if ($bankAccounts = $attributes['bankAccounts'] ?? null) {
             foreach ($bankAccounts as $bankAccountData) {
                 $bankAccount = new BankAccount($this->getTikkie());