Section actions
Duration: Opening — 1 to 2 appointment; duration — indefinite until closing
Cost: According to the bank (online — often free)
Possible online
Who this guide is for
Section actions
- You if you want a common account with your partner
- You if you are roommates and want to share rent/charges
- You if you hesitate between joint and individual account
To be prepared in advance
Section actions
- The identity documents of all future holders
- A proof of domicile (common or individual)
- A decision on the plan (attached "or"/"and") and the account agreement
Step-by-step procedure
Section actions
- 1Determine the plan: joint account "or" (each acts alone — common for couples) vs. "and" (all must consent) to place large amounts of money.
- 2Compare offers: online banks often free of charge, traditional banks more services. Check the subscription, card ceilings, insurance.
- 3Open in bank: CNI/passport of each, proof of domicile, sometimes tax notice. Sign the account agreement.
- 4Receive cards and access from everyone. Everyone has their own credit card and online access, but the account is unique.
- 5Liability: in joint account "or", each one is jointly and severally responsible for ALL debts (incidents, uncovered). If one commits an incident, the other pays.
- 6Use it for common expenses (rent, expenses, races). Keep personal accounts for individual money.
- 7In case of a break: block the account (opposition), share the funds. The bank requires the agreement of all holders for the closure.
- 8Taxation: Account revenues are reported by holders on a pro rata basis (for a couple — 50/50 by default).
- 9For situations independent of the family — undivided account (shares "and") or individual accounts with transfers.
Common mistakes
Section actions
- Open without discussing rules — conflicts.
- Ignore joint responsibility — one leaves the debt to the other.
- To believe a separate card = personal account. No, the funds are common.
- Do not block at breakup — the other may withdraw funds.
- Failure to report income properly — tax matters.
Official sources
Section actions
Show sources in this section
Important remark
The conditions of the joint account vary according to the banks. This information is indicative — on your behalf, see your bank's agreements.
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