Is this ok or is it stealing?

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dm in hospital
real health issues currently suffering delerium won’t comply with nurses unless I encourage her as she is scared of them
been going to see her every day
had to organise a new phone and sim as she locked herself out of hers
been bringing her drinks and food she likes with pics calendars etc
mths hospital is 45 mins drive away and that with parking has taken its financial toll (I’m a single parent)
iv found myself today a week away from payday with almost nothing left
iv borrowed some of family but can’t ask more
I know my mum has her bank card with her and I know if she could consent she would I could then keep going for another week until I get paid. I know she will say yes now but I just worry as she lacks cApacity

im just trying to sell stuff
aibu to do this or just wait

I realise this is academic now as op has said she managed to borrow some money. But no it wouldn’t. Legally this is potentially one of the situations where the op’s actions may not class as dishonest for the reason I mentioned.

This isn't about theft. It's about using an incapacitated person's back card without her true consent.

The title is “is this ok or is this stealing”, the answer to “is this stealing” is possibly not. Now “is this ok” is a bigger and complicated question, hence the hundreds of responses with varying opinions. Taking the op’s account of events as completely true, it could definitely be argued that, no it isn’t stealing and while it could feel wrong, it is what I and many others would wish for their children to do in that situation.

What mother in this world wouldn't consent to that. Of course you should. Your mother wouldn't want you getting into financial troubles, none of us would want that for our child and would absolutely want our child to do what you suggest.

Sorry, just saw your update. Glad you got a loan from your aunt and uncle. Perhaps the wider family could chip in as opposed to just a loan. Does she have many brothers and sisters? Are you an only child? Does she have cousins etc? If I were in the position I'd be happy to help a relative with this, not in a loan capacity but just chipping in. If everyone gave a bit it would help a lot.

Well I was ridiculous enough to work in banking for a very long time so I do know what they would consider theft. The fact that the OP knows the PIN is irrelevant beyond the fact that the bank might not notice for a very long time.

As on another thread if a sibling, family member, good friend, questioned the OP taking money then it would lead to an investigation and possibly a prosecution. I truly doubt a bank would go that far as they'd look at the whole situation but freezing the account would certainly happen.

You’re not stealing, you’re using her money to buy for her the things she needs, food,drinks, laundry, toiletries plus the travel/ parking expenses to get those items to her. Just keep the receipts of bank withdrawals and items bought.

it's petrol and parking, right? You aren't selling her home.