@Markus *******
who cares” isn’t a legal argument, it’s just vibes. the bank doesn’t care if you’re buying pad krapao or a condo, they care whose name is on the account and who’s actually using it. if it’s in her name, it’s her account. “permission,” “POA,” or “she’s my GF” doesn’t magically change that.
and no, a “shared account” isn’t “she opens it and you use it.” a real joint account has both names verified by the bank. what you’re describing is exactly what KYC is designed to flag and freeze.
you can call it “no big deal,” but banks don’t. they don’t care what you buy, they care whose name is on the account and who’s actually using it.