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Originally Posted by Demelza Sirius explains this in his letter to Harry right at the end of PoA. Crookshanks took the order to the Owl Office for him, then he used Harry's name, but told them to take the gold from his vault in Gringotts... |
That certainly wouldn't work in a mugge bank. But Gringotts is run by goblins, who have a very different culture. Maybe it's more neutral than a Swiss bank... Don't ask, don't tell...