In the United States, a woman recently discovered that something unexpected put confidence in her relationship. Disgusted, he said “I don’t work 60 hours a week for this” and sought advice on the situation. What happened is that the husband, currently low for disability, has made a transfer of 10,000 euros to his parents without his knowledge, a gesture that made her accuse him of financial infidelity and question the possibility of ending the joint bank account.
Financial infidelity
According to work news, a Spanish news site, the so -called financial infidelity can be as harmful as an emotional betrayal.
The term describes situations in which one of the members of the relationship generates money without knowledge or consent of the other, undermining confidence and transparency. “My husband made a decision unilaterally that directly affected the money we have in the joint account.” The woman told Yahoo Finance, reinforcing the impact of choice.
According to the same source, the problem is rarely the value itself. What is concerned is the feeling of being deceived. It can be a hidden 200 euros expense and a transfer of thousands. In both cases, confidence is compromised
The value of transparency in the management of the couple
A 2023 study, published by the Journal of Consumer Research, indicates that couples who jointly generate salaries, income or expenses tend to have more stable relationships, provided that all movements are consensual.
When one of the partners acts alone or deceives the other, confidence is broken, as in cases of ludopathy, where it is crucial to understand what would happen if the other accumulated debts.
Closing of Joint Accounts: Rights and Limits
In the United States, where the episode occurred, most joint accounts allow any holder to move back or even end the account without the need for authorization from the other.
Still, according to the same source, there are banks that may require their consent, especially when there are high balances or unfair situations. The recommendation is simple: to review the contract signed to the opening of the account before making any decision.
Alternatives to maintain the couple’s financial stability
Closing the joint account can bring even more problems to the relationship, especially for breaking confidence. “An alternative that can be done because besides that is very simple, it is to maintain an account for ordinary expenses, and open personal accounts for the rest of individual income and spending,” advise the experts cited by the same source.
It is also important to redirect domiciliations and receipts to avoid interruptions in essential payments, negotiate the balance fairly and evaluate new forms of savings. Creating an emergency fund can also be determining to mitigate future risks.
If the situation advances to divorce, the marriage regime will be decisive. In communion of goods, all debts and transfers made during marriage are common, which complicates the eventual recovery of the amount transferred. According to, open a personal account to receive the salary remains one of the most effective ways to recover autonomy and avoid further financial conflicts.
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