09/03/2026
银行允许你提款，不代表联名户口的钱就是你的！
很多家庭开联名户口，是因为方便。
亲情在的时候，一切都没问题。
但一旦其中一人离开，现实问题就出现了：户口里的钱，到底算谁的？
很多人以为：“银行给我，我就能拿。”
但在法律上，银行的做法 ≠ 法庭的判断。
马来西亚法院怎么说？
在 Chin Yuei Khen & Ors v Chin Kon Shu 一案中，
妈妈与儿子开了联名户口。妈妈去世后，银行把钱交给儿子。
其他兄弟姐妹不认同，认为这是母亲的遗产，应依法分配。
法庭的看法是：
联名户口里的钱 不会自动属于幸存者
关键要看：
- 钱是谁存的
- 是否有明确赠与的意图
- 是否有证据证明这是“礼物”
联名户口的「生存者条款」，只是让银行可以付款，不是决定法律归属
如果提款是在母亲生前允许、没有不当行为，儿子可以保留已提款项；
但户口里剩下的钱，仍属于遗产。
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Bank says Yes! Law says No!
Just because the bank allows a withdrawal, it doesn't mean the money legally belongs to you.
Many families open joint bank accounts for convenience.
Everything works well while everyone is alive.
But when one person passes away, a key question arises: Who actually owns the money?
Many assume: “If the bank released the funds, they must be mine.”
Legally, however, a bank’s action does not equal a court’s decision.
What have Malaysian courts said?
In Chin Yuei Khen & Ors v Chin Kon Shu,
a mother and son held a joint account. After the mother’s death, the bank released the funds to the son. Other siblings challenged this.
The court held that:
Money in a joint account does not automatically belong to the survivor
Ownership depends on:
- Who contributed the funds
- Whether there was intent to gift
- Whether there is evidence of a gift
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