No need to go to an agency to ask to open a bank account for two or more! In just a few clicks, subscribers submit the required supporting documents. They get a very quick answer.
The features of the joint account
Its use involves at least two holders who use it to manage a common budget.
Why open a joint account?
Several reasons justifyOpen a common bank accountas a couple or as a group. This can be family finance or a multi-project. To purchase real estate or pay for expenses associated with a rental, this solution is also convenient. Open an online joint account facilitates formalities. In the physical absence of co-signatories, the bank charges a certified platform to verify their identities and the necessary documents. In addition to a common current account, they may open a savings book, security account or term account to several.
How does this common account work?
Each holder may withdraw or deposit to this account without the consent of the others. The means of payment available to them (bank card, checkbook) are independently usable. In general, the management of the pooled funds is decided upon opening the joint account. If there is a debtor balance, each holder is held liable, even without personal withdrawal. The introduction of transfers or levies is also possible individually. A holder may object to certain operations.
How do I open a common account?
Opening an online joint account saves time.
What evidence should be provided?
For a married couple, pacse or other types of co-signatories, administrative documents are essential:
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a photo identification document (CNI, passport, residence card)
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proof of residence (taxation notice, rent allowance, water or electricity bill).
Upon agreement of the bank and signature of the contract, all holders shall be informed of the terms of use of the account.
How can you manage your account calmly?
For a managed budget of several, the appointment of a common agent can simplify transactions. Furthermore, according to the agreement of the joint account, specific transactions require the common agreement of the holders. Changes in offer or choice of options for this account are included. The personalized monitoring of a bank advisor allows you to enjoy a tailor-made formula.
Individualised customer support
Even online, signatories find solutions designed to meet their expectations.
A more economic common account
By opening a joint BNP Paribas account, subscribers benefit from attractive offers or tariff advantages tailored to their situation. The Esprit libre formula has some interesting advantages:
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a first year offered;
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minus 50% on the second card;
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insurance included.
It is easy to benefit from it thanks to bank mobility. The arrival facility facilitates the transfer of transactions and funds from the old account to the new account.
Change bank account attached
The bank mobility service required by law also applies to open a joint account. Both (or more) holders must agree. The host bank takes care of the procedures free of charge, which avoids customers from entering into formalities in a personal capacity. The usual levies and transfers are domiciled in the new attached account. The funds are also disbursed before the end of the old one.
A joint account is essential to manage a couple's budget or to finance a multi-project. This useful formula can even provide additional benefits, provided you choose a suitable offer.