Would you ever share a PIN code?

[ravenmum]

I guess this is a "money matters" question...

The other day my daughter (16) told me she'd forgotten she needed to take in some money (about 30 pounds) to school the next day, urgently of course! I couldn't make it to the bank before then and had no cash, so I could think of nothing else to do but give her my bank card and tell her the number.

My husband says I shouldn't ever do anything like this as the P in PIN stands for "personal" and the bank always tells you not to share your number. But I trust my daughter, and she has her own bank account she withdraws money from, so was in no more danger of being attacked or something than when withdrawing her own money. It was quite important and I couldn't go myself.

Would others do this, or do you also think like my husband that this is simply an absolute no-no?

No. Because now if anything is taken from your bank without your consent then you are stuffed. The bank will use this as a reason not to pay back any money.

This is why I'm on my mum's account so should she be taken ill I can get her shopping using my own card on her account.

I'd be a bit miffed tbh that my husband was insinuating that my daughter can't be trusted! I've shared my PIN with people I trust in the past.

He may not be trying to imply anything about the daughter, just trying to follow the bank's terms and conditions.

I thought this was one of those things that everyone does but no one admits to. Obviously if the bank ask if anyone knows my PIN I will say no but yes, of course my DH knows it.

"I thought this was one of those things that everyone does but no one admits to."

I have never given my pin number to anyone. Why would I? OH has his own debit card and DD has her own bank account and debit card.

I would never EVER allow somebody to use my card out of my sight

I've had my card cloned in a restaurant and the PITA of having to change the whole account makes it JUST NOT WORTH IT

if they need cash they can wait until its convenient for YOU to go to the cashpoint
or learn to plan ahead

if the card was stolen from your child there is NO WAY the bank would pay out if you were not present

DH and I have joint accounts with the same PIN but that is for our convenience and the bank are happy with it

My dd's 15 and 9 both know mine and have paid in shops using my card, so has my dh. It's very sad if you can't trust your family.

It's very sad if you can't trust your family
WRONG
If you trust them, give them their own card
or do you not trust them with their own card?

as it is, letting other people use your card leaves you wide open to fraud and unprotected when it happens

I'm shocked at the number of people that share their PINs! You are breaking your bank's terms and conditions and leaving yourself wide open. I would never share my PIN and would never let anyone tell me theirs.

I occasionally give my debit card to my dcs, usually so they can get stuff for me or cash for school trips. We are very rural and I work in an inconvenient area for banks etc. I could always check online but they only do as requested. Older 3 dcs have their own Amex cards for petrol etc and supermarket shopping for us ( 2 still at school, and uni dd only uses hers for major emergencies ). Cards have never been abused.

why not get them their own cards?
DS and DD have both had their own cash cards since age 11
DDs will auto turn into a debit card when she turns 16
that way only THEIR accounts are at risk if the card walks, not the main one

I know my mum's, dad's, dh's and my friend's.

It would be slightly odd to me if dh and I actively kept our PINs a secret.

I told my colleague mine so he could use my card to pay in the Maccy D drive thru.
Luckily he's pretty "Rockefeller" (as he'd say) so probably won't be robbing me blind any day soon.

DD knows my iPod password, so in effect has a pin for my credit card.

She wouldn't be silly, because she knows she has to pay everything back.

They have their own accounts and cards obv - I'm thinking of stuff like when dd picked up a takeaway for a big group meal and it cost £180 ish.

dd knows my pin - as does dh - i chuck my card to dd anytime she wants to borrow cash and tell her to go to the cash machine and draw it out.

i trust her implicitly, i do not let either of my sons have the number as i do not trust them implicitly :)

I know dh's number and use his card whenever and he does with mine

the only robbing cunts are the banks, bankers and those cash machines that charge you for your own money.

of course if anything happens to the account and money gets taken- they would say that i am not entitled to my money back as i broke security rules

however that presumes i would tell them that i have done so

" have you shred your security details with anyone mrs C.?"

" ofcourse not" :)

I have often shopped for my friends/family if they are for what ever reason not able to do so themselves, used their cards in shops and at the cash points. I never think anything of it! I have access to their cars and homes too, just as they do with mine. I trust them implicitly as my good friends/family are life long companions. My dp also has access to my personal/financial things, home and car, I trust him too as my life partner.

I would not want to live in a world where I couldn't trust my loved ones.

But maybe I am used to this level of trust as back in the mists of time I had to help patients with banking and shopping within my community mental health role .