I see the joint account the same way as hilfehilfe. Even if that's otherwise a minority here. First, I hardly ever go to the bank, she does that, and she brings me my hundred pocket money. And if I ever get sick or become demented or something, she has access to the money. And if one dies, the other doesn't need a certificate of inheritance. The only important thing is that it is an or account. One signature is enough. He or she. Karsten