{"id":1176029,"date":"2020-02-18T16:34:02","date_gmt":"2020-02-18T21:34:02","guid":{"rendered":""},"modified":"2026-03-17T11:55:18","modified_gmt":"2026-03-17T15:55:18","slug":"5-les-comptes-conjoints","status":"publish","type":"steps","link":"https:\/\/stepstojustice.ca\/fr\/steps\/wills-and-powers-of-attorney\/5-les-comptes-conjoints\/","title":{"rendered":"5. Les comptes conjoints"},"content":{"rendered":"<p>Vous pouvez d\u00e9tenir un compte en banque conjointement avec une ou plusieurs autres personnes. Dans ce cas, ce qui arrive \u00e0 votre part au moment de votre d\u00e9c\u00e8s d\u00e9pend de vos volont\u00e9s et de la fa\u00e7on dont le compte a \u00e9t\u00e9 cr\u00e9\u00e9.<\/p>\n<p>Vous pouvez d\u00e9cider d\u2019inclure votre part dans votre succession ou de la laisser \u00e0 l\u2019autre titulaire du compte. Si elle va directement \u00e0 l\u2019autre titulaire, elle ne fera pas partie de votre succession, ni du calcul des frais d\u2019homologation.<\/p>\n<p>Assurez-vous d\u2019indiquer ce que vous voulez qu\u2019il arrive \u00e0 votre part si vous mourez avant l\u2019autre titulaire du compte. Vous pouvez l\u2019\u00e9crire\u00a0:<\/p>\n<ul>\n<li>dans les documents de la banque, lorsque vous ouvrez le compte;<\/li>\n<li>dans votre testament;<\/li>\n<li>dans un autre document.<\/li>\n<\/ul>\n<h3>Risques possibles<\/h3>\n<p>Les comptes conjoints ne sont pas sans risque. Par exemple, tous les titulaires du compte peuvent en tout temps y d\u00e9poser ou en retirer de l\u2019argent, m\u00eame de votre vivant. Ils n\u2019ont pas \u00e0 vous aviser ou \u00e0 obtenir votre permission.<\/p>\n<p>Et comme pour les biens immeubles, les comptes en banque et les placements d\u00e9tenus conjointement par un parent et son enfant adulte sont r\u00e9put\u00e9s \u00eatre d\u00e9tenus en \u00ab\u00a0fiducie r\u00e9sultoire\u00a0\u00bb.<\/p>\n<p>Cela implique que la personne ajout\u00e9e comme titulaire conjoint devra prouver que le compte ou le placement \u00e9tait un don. Sinon, l\u2019actif ira plut\u00f4t dans la succession du d\u00e9funt.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"author":3,"featured_media":0,"template":"","class_list":["post-1176029","steps","type-steps","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5. 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