@Markus *******
who caresâ isnât a legal argument, itâs just vibes. the bank doesnât care if youâre buying pad krapao or a condo, they care whose name is on the account and whoâs actually using it. if itâs in her name, itâs her account. âpermission,â âPOA,â or âsheâs my GFâ doesnât magically change that.
and no, a âshared accountâ isnât âshe opens it and you use it.â a real joint account has both names verified by the bank. what youâre describing is exactly what KYC is designed to flag and freeze.
you can call it âno big deal,â but banks donât. they donât care what you buy, they care whose name is on the account and whoâs actually using it.