Long-term investing

FBS Joint Accounts guide

This page is a verification checklist for people considering a joint investment account at FBS, for example with a spouse or family member. It does not confirm that FBS offers joint accounts. Many trading-focused brokers only support individual accounts, so your first step is to confirm availability directly with FBS in writing. The checks below cover what to ask and what to read before relying on a joint structure for long-term investing.

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Confirm whether joint ownership is actually supported

Joint accounts are a legal ownership structure, not just a shared login. A genuine joint account names two or more account holders in the client agreement, with defined rights for each. Some brokers instead allow only one named holder, which means a second person using the account has no legal claim through the broker and may even breach the terms of service. Ask FBS support directly whether joint accounts are available for your country and account type, request the relevant section of the client agreement, and do not treat shared access to an individual account as equivalent to joint ownership.

Get written confirmation from FBS on whether joint accounts exist for your region and account type.
Check the client agreement for who is the legal owner of funds and positions.
Never share individual account credentials as a substitute; this can breach broker terms and removes legal protections for the second person.

Understand the terms that govern joint holders

If a joint structure is available, the details determine whether it fits a long-term plan. Key questions include whether both holders can place orders and withdraw funds independently or only together, what happens if one holder dies or the relationship ends, how disputes between holders are handled, and how each holder completes identity verification. Tax treatment of jointly held investments also varies by country and personal situation, so seek professional advice for your jurisdiction rather than assuming an outcome. Document every answer you receive so both holders share the same understanding before any money is deposited.

Clarify signing authority: can each holder trade and withdraw alone, or is joint approval required?
Ask what the account terms say about death of a holder, incapacity or separation.
Confirm identity verification requirements for every named holder.
Consult a qualified tax adviser about joint ownership in your jurisdiction.

Check costs, regulation and your alternatives

Verify which FBS legal entity would hold a joint account, its regulator, and how client money protections apply when more than one person is named on the account. Review the fee schedule for your intended account type, including deposit, withdrawal, inactivity and currency conversion charges, since two contributors often mean more frequent payments. The Brokerage fee calculator at /tools/brokerage-fee-calculator can help estimate ongoing costs. If FBS does not support the structure you need, use the Find my broker tool at /find-my-broker to shortlist alternatives, and see the Long-term investing hub at /invest-long-term for related guides on shared, long-horizon investing.

Identify the FBS entity and regulator for your country before opening any account.
Read how client money rules apply to accounts with multiple named holders.
Model recurring costs for two contributors with /tools/brokerage-fee-calculator.
Compare brokers that support your required structure via /find-my-broker.

Continue researching

Open related InvestorTrip pages before treating this topic as a final decision.

Long-term investing hub

Open related long-term investing guides.

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Apply the checklist to broker selection.

Brokerage fee calculator

Estimate account and trading costs.

FAQ

Does FBS offer joint accounts?

This guide does not confirm joint account availability at FBS. Account types vary by legal entity and country and can change. Contact FBS support, ask for written confirmation, and read the client agreement for your region before assuming a joint structure is possible.

Can two people just share one individual trading account instead?

Sharing credentials on an individual account is generally a poor substitute. It can breach the broker's terms, and the person not named on the account typically has no legal claim to the funds through the broker. Only a formally documented joint structure gives both parties defined rights.

What happens to a joint account if one holder dies?

Outcomes depend on the broker's account terms and the succession and property laws of your jurisdiction, and they vary widely. Read the relevant clauses in the client agreement and seek legal advice locally rather than assuming funds automatically pass to the surviving holder.