To close a joint account, it is necessary to obtain the signature of each joint account holder (spouse, partner or PACS). Consequence: when only one member of the couple decides to terminate the joint account, it is not fenced however. Indeed, in this case, the account becomes an undivided solidarity and active account without the agreement of both co-owners is required for any operation. To report account, the person must send a registered letter with acknowledgment of receipt.
If both partners have agreed to close the account, then the contract is terminated immediately. But former co-owners are nevertheless in solidarity with existing debts before the closing date.
If both spouses wish to divorce, they can close their joint account without waiting for the judgment of divorce.
For more information on the arrangements for joint account, see our instructions in the joint account.
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