Conto Corrente a Firma Congiunta o Firma Disgiunta

Categorie: Finanza

Il conto corrente A? uno strumento abbastanza versatile, che prevede diverse opzioni volte a soddisfare i bisogni degli utenti. Tra i piA? classici, vi A? la possibilitAi?? di scelta tra conto corrente a firma congiunta o a firma disgiunta. Vediamone le caratteristiche, perchAi?? spesso non si hanno le idee chiare in tal senso.

Naturalmente, in entrambi i casi, non si tratta piA? di semplici conti personali, ma presuppongono due intestatari differenti. Il conto risulta cosAi??, in entrambe le circostanze, contestato, sebbene cambino i termini di questa scelta.

Con la firma disgiunta ciascuno dei due correntisti ha facoltAi?? di operare sul conto corrente in maniera del tutto autonoma, senza alcun bisogno di ricorrere allai??i??autorizzazione dellai??i??altro la firmatario per effettuare delle operazioni finanziarie.



La firma disgiunta A? molto usata tra coniugi e la stessa giurisprudenza lo considera un conto matrimoniale.

La firma congiunta prevede che si usi lo stesso conto corrente, sempre condiviso fra due contestatari, ma la firma congiunta prevede che lai??i??uno non possa agire senza lai??i??approvazione dellai??i??altro. Infatti, sia che si vogliano eseguire bonifici, pagamenti o versamenti, A? necessario che entrambe le firme vengano apposte allai??i??operazione.

Anche in questo caso, tale tipologia di conto corrente A? molto in voga tra coniugi, ma soprattutto qualora si desidera che il patrimonio comune deve essere nella disponibilitAi?? di entrambi, ma solo previa autorizzazione dellai??i??altro.

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