To give my DS my bank card to get a few things from the shop?

[Seainasive]

I mean I know I’m not supposed to let it out of my sight and before COVID-19 I would have sent him with some cash but now I never have any!

Do you/would you let your DC use your cash card? DS is 13.

I wouldn't let anyone else have possession of my card.

Dd has used mine a couple of times. However, I've recently been asked for my PIN a few times when contactless didn't seem to work. If your Ds went and had that issue would he have your PIN?

@AlwaysLatte

Sometimes you have to. My Dad is on home oxygen and can't get out so we have to get anything he needs with his card.

You need to get financial POA set up and get your own card on his account.

I do sometimes, or I put some money on their nimbl card. But if they are getting shopping as well as treats I just give them my card.

It's fairly rare for a 13 year old to have a debit card - I know they exist, but it's rare - so it's not outwith the realms of possibility the person on the checkout would ask to see it

DD2 has had a pre-payment card which does contactless since she was about 8.

He will need your PIN.
What happens if the machine asks him to insert the card?

ilovepixie
I work in a shop and we get this all the time. You can get children's debit cards now anyway so a child paying with a card wouldn't raise any eyebrows.
The only thing I would say is after every 5 contactless payments the user has to enter the pin so if they don't know your pin and this happens you can't use it without inputting the pin. 
This is nonsense. I don’t have to use my PIN every five contactless payments.

I don't see a problem with this, although I got a slap on the wrist for allowing my husband to use the app on his phone to cash my cheque into our joint account, so who knows what's being checked up on?

My 13 year old has her own debit card though. I'd look at getting him one if I were you.

@ilovepixie

I work in a shop and we get this all the time. You can get children's debit cards now anyway so a child paying with a card wouldn't raise any eyebrows. The only thing I would say is after every 5 contactless payments the user has to enter the pin so if they don't know your pin and this happens you can't use it without inputting the pin.

I take it that's in one day? I never use my PIN.

You shouldn’t give your pin to anyone and no I wouldn’t let anyone else use my card. Kids have their own

My boys have been using my card ever since it became contactless. Not one person has ever questioned them. As long as the transaction goes through no one even looks at the card anymore.

Wouldn’t even think twice about this. Mumsnetters are mad about rules. Bunch of squares

I use my husbands cards all the time because I can never remember where my purse is.

I just googled it and it is not illegal. It is against the T&C of the issuing bank but they are guidelines; it still isn't illegal.

The op is only going to give her card to her son to use, not a random stranger.

It wouldn't make any difference if the card were lost or stolen at the local shop. DD comes back, I ask for card back, she can't find it. I immediately stop the card on the app, report it to the bank and claim back any transactions that took place in the 15 minutes between the card being lost and her arriving home that were not mine.

FWIW I have never had my card stolen. I have had dodgy transactions on my account but my card was in my possession at all times. The bank alerted me to it, the amounts were not even taken out of my account as the bank already flagged them as suspicious.

It’s up to you, I don’t think it’s a big deal, tbh. But, I’d consider opening an account for him with his own debit card. DD ( now 16) has had one for a while and has bought the odd thing for me using her card. I just transfer the money into her account.

It's fairly rare for a 13 year old to have a debit card - I know they exist, but it's rare

WTF, rare?

In 2018, 34% of primary aged kids had used debit cards, only 37% of those were doing what the OP was suggesting, so over 20% of primary school kids had one 3 years ago, it's way more now.
www.progressivemoney.co.uk/money-blog/saving-tips/kids-contactless-payments

In kids over 11 (who can get one much easier and less expensively until recently) they were much more common then, and I can't imagine it not being a significant majority by 13 years old now.

I have a bank account that I keep less than £100 in. I let my 15 year old use that card. I would never let him use my card with lots of money in as I would worry he would lose it.

@Iggly

This is nonsense. I don’t have to use my PIN every five contactless payments I do have to enter my PIN on some occasions especially after I’ve used it loads.

My DCs have their own cards so I’d send them to the shop with theirs and pay them back.

Me too, it declines the contactless payment and I have to use my PIN. It's not when doing anything out of the ordinary, usually at the shop at work or the supermarket, both of which I buy things from often.

Is he mature? Or will the power overtake him and he comes home with £100 worth of Doritos and a fortnite dancing banana?

I've done this countless times. They knew my pin before contactless was such a big thing too, never had any problems.

@ilovepixie

I work in a shop and we get this all the time. You can get children's debit cards now anyway so a child paying with a card wouldn't raise any eyebrows. The only thing I would say is after every 5 contactless payments the user has to enter the pin so if they don't know your pin and this happens you can't use it without inputting the pin.

It's not every 5 times for everyone, it's dependant on the bank, the type of account and the spending habits. I work in a petrol station and around one every thirty transactions gets asked for their PIN by the machine

I've sent my kids oversees with a back up card, the 'greeeeeen card' under pain of death to tell me the second they lose it.
I'll often give them the card and in over 10+ years and 4 kids of 'just in case' it's been 'abused' once- £50 over 20 transactions in a pool hall

My son uses my bank card all the time in the shop, he is 9 and I wait outside never had any issues with people not accepting it (only corner shops though)

@sirfredfredgeorge

It's fairly rare for a 13 year old to have a debit card - I know they exist, but it's rare

WTF, rare?

In 2018, 34% of primary aged kids had used debit cards, only 37% of those were doing what the OP was suggesting, so over 20% of primary school kids had one 3 years ago, it's way more now.
www.progressivemoney.co.uk/money-blog/saving-tips/kids-contactless-payments

In kids over 11 (who can get one much easier and less expensively until recently) they were much more common then, and I can't imagine it not being a significant majority by 13 years old now.

So back in 2018 1 in 3 kids at some point had used a contactless card.

So... fairly uncommon then. Thanks for proving my point.

WTF, indeed.

I do this all the time. Loads of places don't even take cash now