Difference between '(bank) account holder' and '(bank) account owner'

Is there a difference between the meaning of a “(bank) account holder” and a
“(bank) account owner”?

What is more frequently used resp. more common when transfering money?


I think these two terms can be used interchangeably. I’ve seen these terms used together in bank forms that are meant the same things.

The people in the banking industry may differentiate these terms. I’m not, but if I have to differentiate, I’d say the account holder may be an agent, representing an owner who may wish to remain anonymous.

When transferring money, I’d use “account holder” because that’s the name on the account.