2023-10-15 08:20:00
share one Bank account It can be a good solution for those users who regularly carry out economic procedures with partners, family or friends. This is a very convenient option for customers, since they can control a number of common money to make the expenses or income that are necessary.
In the case of having a indistinct disposal regimeIn addition, any of the owners can carry out procedures without the need for the other owners authorize the operation. The movement, therefore, is more agile than with a joint disposition account, which generally requires the signature of all owners before taking any action.
Potential problems
Although contracts with an indistinct disposition regime are common in banking entities, the Bank of Spain has alerted that they can end up becoming a headache if one of the account participants generates a debt or requests a loan without the consent of the rest of the owners.
In these cases, the conflict must be carried out directly to the Courts of Justicesince, as the organization itself explains, they “do not have all the necessary information to be able to properly assess the information”, so they cannot speak out when complaints are presented on this issue.
Exceptional cases
Despite the existing legal vacuum, the Bank of Spain reports that there are some situations in which yes they can position themselves in favor of injured people. Specifically, in three cases: when the card or loan belongs to a single holderwhen the “innocent” party does not know the direct debits of payments and when the account contract does not consider overdrafts in the circumstances explained.
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If any of these conditions occur, it is considered that the entity has moved away from “good banking practices” authorizing account movements.
The explanation given by the central bank is simple: in these cases mentioned, when financial institutions accept debts on behalf of all co-owners they are converting all account participants into guarantors of the financing. All this, without your consent.
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