By Charlotte GAUCHON
26 March 2025
In a financial world, access to a bank account is an essential right. This article, while focusing on the general principles governing the opening and operation of bank accounts and the essential legal features of bank accounts, concentrates on the specific protections available. Minors, protected adults and financially vulnerable people benefit from a specific legal framework that enables them to reconcile their autonomy with the need for protection. Bank accounts for minors: limited capacity under supervision Unemancipated minors: rules for opening and operating accounts Opening an account for an unemancipated minor is within the power of the minor's legal representative. Under article 389-4 of the French Civil Code, the legal representative may perform administrative acts alone, such as opening a first account. In the case of additional accounts, the decree of 22 December 2008 describes these as acts of disposal requiring the agreement of both parents. Payments into a minor's account do not generally pose a problem. In...
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