{"id":35579,"date":"2025-08-22T09:00:00","date_gmt":"2025-08-22T07:00:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=35579"},"modified":"2025-08-22T09:01:12","modified_gmt":"2025-08-22T07:01:12","slug":"implications-sharing-bank-account","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/en\/magazine\/implications-sharing-bank-account\/","title":{"rendered":"The implications of sharing a bank account"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>Compartir compte corrent amb altres persones, ja siguin familiars, companys de pis o socis, t\u00e9 implicacions tant per a l\u2019organitzaci\u00f3 de les nostres finances com per a la nostra fiscalitat. Mireia Cano, cap d\u2019agents d\u201911Onze, explica les diferents f\u00f2rmules per constar en un compte i les responsabilitats fiscals que comporten.<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><b>Un primer element que s\u2019ha de considerar quan volem compartir un compte corrent \u00e9s el rol de cada persona<\/b><span style=\"font-weight: 400\">, ja que es pot constar com a titular, persona autoritzada o representant legal.<\/span><\/p>\n<p><b>Els titulars d\u2019un compte s\u00f3n responsables dels diners<\/b><span style=\"font-weight: 400\"> a parts iguals a no ser que algun document oficial acrediti el contrari. A m\u00e9s, els titulars \u201cpoden tenir firma indistinta, \u00e9s a dir, que qualsevol pot fer operacions, o b\u00e9 firma mancomundada, \u00e9s a dir, que cal la firma de tots ells per operar\u201d, com explica Mireia Cano.<\/span><\/p>\n<p><span style=\"font-weight: 400\">Una altra opci\u00f3 \u00e9s que alg\u00fa consti en un compte com a autoritzat o firma reconeguda. En aquest cas el titular \u00e9s qui t\u00e9 el poder sobre els diners i qui en respondr\u00e0 a nivell fiscal, per\u00f2 autoritza una altra persona per fer determinades accions, com fer transfer\u00e8ncies o treure diners. Aix\u00f2 s\u00ed, <\/span><b>una persona autoritzada mai podr\u00e0 crear o cancel\u00b7lar contractes de comptes corrents o de targetes vinculades<\/b><span style=\"font-weight: 400\">.\u00a0<\/span><\/p>\n<p><b>Un tercer rol \u00e9s el de representant legal<\/b><span style=\"font-weight: 400\">, que s\u2019utilitza, per exemple, en els comptes de menors i de persones dependents. Els representants legals tenen la potestat sobre els diners del compte, tot i que no siguin titulars.<\/span><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"component gallery\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-lg-10 offset-lg-1\">\n        <div id=\"slider\" class=\"carousel slide\">\n          <div class=\"carousel-inner\">\n            <div class=\"carousel-item active video-player inline-player\" data-video-id=\"6281264439001\">\n              <img decoding=\"async\" class=\"d-block w-100\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/11\/THUMBNAIL_MIREIA_CANO_TOPIC_8.png\" alt=\"\">\n              <button type=\"button\" class=\"play\"><\/button>\n              <div class=\"carousel-caption\">\n                <p>Ser titular d\u2019un compte t\u00e9 implicacions legals.<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div><div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <p><span style=\"font-weight: 400\">Quan compartim un compte corrent, s\u2019ha de tenir molt en compte com ens pot afectar cadascuna de les nostres accions i de les altres persones que hi participen. Per tant, \u00e9s molt recomanable que, abans d\u2019obrir el compte, definim per a qu\u00e8 l\u2019utilitzarem i tinguem clar qu\u00e8 implicar\u00e0 per a cada persona i quines responsabilitats estem assumint en termes legals i tributaris.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>11Onze \u00e9s la fintech comunit\u00e0ria de Catalunya. Obre un compte descarregant la super app El Canut per <\/b><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.e11onze.app&amp;utm_source=emailing&amp;utm_campaign=CANUT+launch\" target=\"_blank\" rel=\"noopener\"><b>Android<\/b><\/a><b> o <\/b><a href=\"https:\/\/apps.apple.com\/us\/app\/11onze\/id1566129237?utm_campaign=El+Canut\" target=\"_blank\" rel=\"noopener\"><b>iOS<\/b><\/a><b>. Uneix-te a la revoluci\u00f3!<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <h1>Si t&#8217;ha agradat aquesta not\u00edcia, et recomanem:<\/h1>\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/magazine\/novetats-ingressos-teu-compte-11onze\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/06\/THUMBNAIL_NOVETATS_COMPTE-1.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">11Onze<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Novetats en els ingressos al teu compte<\/strong><\/p>\n              <span class=\"card-time\">3 min read<\/span>\n              <p class=\"card-text small\">Desapareix la limitaci\u00f3 d\u2019ingressar un m\u00e0xim de 15.000<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/magazine\/quants-diners-tenir-compte-11onze\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2022\/01\/MOCKUP_APP_ARTICLE-800x506.png\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">11Onze<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Quants diners puc tenir en un compte d\u201911Onze?<\/strong><\/p>\n              <span class=\"card-time\">4 min read<\/span>\n              <p class=\"card-text small\">El Canut, la nostra super app, continua creixent i afegint<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/magazine\/afegeix-tots-comptes-el-canut\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2021\/10\/THUMBNAIL_MOCKUP_PSD2_ENLLAC\u0327AR_TARGETES-800x533.png\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">11Onze<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Afegeix tots els teus comptes a El Canut!<\/strong><\/p>\n              <span class=\"card-time\">2 min read<\/span>\n              <p class=\"card-text small\">La s\u00faper app d\u201911Onze ja permet aplegar totes les teves finances<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":35573,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[1],"tags":[20],"class_list":["post-35579","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-finances"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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