Abstract
This note discusses the advice of the Privy Council in Whitlock v Moree [2017] UKPC 44, an appeal about beneficial interests in a joint bank account. It argues that the majority fell into error in construing the clause in question too broadly, such that the survivor took beneficially. Clauses in banking contracts should be construed strictly, and there is a presumption that standard form contracts do not dictate beneficial interests in the absence of explicit words.
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