{"id":1207,"date":"2025-10-29T12:04:18","date_gmt":"2025-10-29T12:04:18","guid":{"rendered":"https:\/\/bufetelatorre.es\/?p=1207"},"modified":"2026-01-09T17:52:48","modified_gmt":"2026-01-09T17:52:48","slug":"anadir-a-alguien-como-titular-de-tu-cuenta-es-una-donacion","status":"publish","type":"post","link":"https:\/\/bufetelatorre.es\/es\/anadir-a-alguien-como-titular-de-tu-cuenta-es-una-donacion\/","title":{"rendered":"\u00bfA\u00f1adir un cotitular a una cuenta bancaria se considera donaci\u00f3n?"},"content":{"rendered":"\n<p>En una reciente consulta, la <strong>Direcci\u00f3n General de Tributos (DGT)<\/strong> ha aclarado que <strong>no<\/strong>: incluir a otra persona como cotitular de una cuenta bancaria <strong>no implica que le est\u00e9 donando el dinero<\/strong>.<\/p>\n\n\n\n<p>Seg\u00fan la DGT, el dinero sigue siendo propiedad de quien lo ha aportado. Ser cotitular solo significa que ambos pueden usar la cuenta, <strong>pero no que el saldo se reparta a partes iguales<\/strong>.<\/p>\n\n\n\n<p>Para que exista una donaci\u00f3n real deben cumplirse dos condiciones:<br>a) <strong>Animus donandi:<\/strong> intenci\u00f3n clara de regalar el dinero.<br>b) <strong>Animus accipiendi:<\/strong> aceptaci\u00f3n por parte de quien lo recibe.<\/p>\n\n\n\n<p>El <strong>Tribunal Supremo<\/strong> tambi\u00e9n se ha pronunciado en varias ocasiones en el mismo sentido, por lo que la DGT simplemente se ha hecho eco de esta doctrina.<\/p>\n\n\n\n<p>En resumen: aparecer como titular no le convierte autom\u00e1ticamente en due\u00f1o del dinero. A\u00f1adir un titular es una cuesti\u00f3n pr\u00e1ctica, <strong>no un regalo<\/strong>.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>En una reciente consulta, la Direcci\u00f3n General de Tributos (DGT) ha aclarado que no: incluir a otra persona como cotitular de una cuenta bancaria no implica que le est\u00e9 donando el dinero. Seg\u00fan la DGT, el dinero sigue siendo propiedad de quien lo ha aportado. Ser cotitular solo significa que ambos pueden usar la cuenta, [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1208,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30],"tags":[],"class_list":["post-1207","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asesor-derecho-fiscal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>A\u00f1adir un cotitular a una cuenta bancaria es una donaci\u00f3n o no - Bufete Latorre Abogados<\/title>\n<meta name=\"description\" content=\"Entiende la diferencia entre cotitularidad y donaci\u00f3n. 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Incluir a alguien en tu cuenta bancaria no implica regalar dinero.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bufetelatorre.es\/es\/anadir-a-alguien-como-titular-de-tu-cuenta-es-una-donacion\/\" \/>\n<meta property=\"og:site_name\" content=\"Bufete Latorre Abogados\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-29T12:04:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-09T17:52:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bufetelatorre.es\/wp-content\/uploads\/2025\/10\/42f77869-2c3b-45ac-b803-4855ba5ab903.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1152\" \/>\n\t<meta property=\"og:image:height\" content=\"866\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Pilar P\u00e9rez Casti\u00f1eira\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Pilar P\u00e9rez Casti\u00f1eira\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/bufetelatorre.es\\\/anadir-a-alguien-como-titular-de-tu-cuenta-es-una-donacion\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/bufetelatorre.es\\\/anadir-a-alguien-como-titular-de-tu-cuenta-es-una-donacion\\\/\"},\"author\":{\"name\":\"Pilar P\u00e9rez Casti\u00f1eira\",\"@id\":\"https:\\\/\\\/bufetelatorre.es\\\/#\\\/schema\\\/person\\\/0db19ecf10f5265803f54204b798cc9f\"},\"headline\":\"\u00bfA\u00f1adir un cotitular a una cuenta bancaria se considera donaci\u00f3n?\",\"datePublished\":\"2025-10-29T12:04:18+00:00\",\"dateModified\":\"2026-01-09T17:52:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/bufetelatorre.es\\\/anadir-a-alguien-como-titular-de-tu-cuenta-es-una-donacion\\\/\"},\"wordCount\":167,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/bufetelatorre.es\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/bufetelatorre.es\\\/anadir-a-alguien-como-titular-de-tu-cuenta-es-una-donacion\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/bufetelatorre.es\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/42f77869-2c3b-45ac-b803-4855ba5ab903.webp\",\"articleSection\":[\"Fiscal \\\/ Tributario\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/bufetelatorre.es\\\/anadir-a-alguien-como-titular-de-tu-cuenta-es-una-donacion\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/bufetelatorre.es\\\/anadir-a-alguien-como-titular-de-tu-cuenta-es-una-donacion\\\/\",\"url\":\"https:\\\/\\\/bufetelatorre.es\\\/anadir-a-alguien-como-titular-de-tu-cuenta-es-una-donacion\\\/\",\"name\":\"A\u00f1adir un cotitular a una cuenta bancaria es una donaci\u00f3n o no - Bufete Latorre Abogados\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/bufetelatorre.es\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/bufetelatorre.es\\\/anadir-a-alguien-como-titular-de-tu-cuenta-es-una-donacion\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/bufetelatorre.es\\\/anadir-a-alguien-como-titular-de-tu-cuenta-es-una-donacion\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/bufetelatorre.es\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/42f77869-2c3b-45ac-b803-4855ba5ab903.webp\",\"datePublished\":\"2025-10-29T12:04:18+00:00\",\"dateModified\":\"2026-01-09T17:52:48+00:00\",\"description\":\"Entiende la diferencia entre cotitularidad y donaci\u00f3n. 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