By Charlotte GAUCHON
24 March 2025
In the banking world, accounts are not always the business of a single holder. Couples, partners, heirs or simple co-investors can share ownership of a bank account. Over and above the general rules for opening and operating a bank account, this configuration of plurality, far from being trivial, deploys a range of legal mechanisms that define the rights and responsibilities of each party. In practice, these arrangements take three distinct forms: usufruct/bare ownership accounts, undivided accounts and joint accounts. Each meets specific needs and comes with specific constraints. Accounts with several holders: three distinct configurations Usufruct/bare ownership accounts: a dismemberment mechanism The usufruct/bare ownership account transposes the classic dismemberment of ownership rights to the banking sector. This type of account is often created by inheritance. The sums deposited, considered to be consumable assets par excellence, can only give rise to a quasi-usufruct. The usufructuary has free disposal...
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