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Original poster

Can my daughter use my debit card?

104 replies

Scootergrrrl · 10/07/2022 08:42

Stuck in bed with bastard Covid (having avoided it all the way through Angry) and my daughter is going on a trip with a group she attends. I have no cash in the house to give her - she doesn't need much, just lunch/ice cream/souvenir money. Can I just give her my debit card to use? There's no special bank rules I might be unaware of, are there?

OP posts:
UrsulaPandress · 10/07/2022 08:42

Of course she can.

stillherenow · 10/07/2022 08:42

I give mine to my dd sometimes . Get well soon!

MoodyTwo · 10/07/2022 08:43

Well if she looses it, I doubt the bank would look favourably on any fake aid transactions
However how old is she? I can't see an issue if she is sensible , most things are contactless anyway so she doesn't even need your pin now adays

RoseAndRose · 10/07/2022 08:45

You mean aside from the basic one that the card is only for your use?

Either slip out, masked, to a cashpoint, or lend her the card (but don't give her the PIN). She won't get caught if she's just tapping, and if tapping doesn't work cross your fingers that they'll sort it out across the group and she can repay later

MilitantFaucet · 10/07/2022 08:47

Does she have her own card? You could transfer cash to her card easily enough.

MrsPelligrinoPetrichor · 10/07/2022 08:47

RoseAndRose · 10/07/2022 08:45

You mean aside from the basic one that the card is only for your use?

Either slip out, masked, to a cashpoint, or lend her the card (but don't give her the PIN). She won't get caught if she's just tapping, and if tapping doesn't work cross your fingers that they'll sort it out across the group and she can repay later

I wouldn't rely on tapping,my card seems to want the PIN fairly often and there's no rhyme or reason as to why or what shops.

Discovereads · 10/07/2022 08:49

Of course you can, my DC have used my debit card often to get top up shops for me and I’ve told them my PIN. I’ve also given it to them in similar situations- going on a day trip I have agreed to pay for etc.

Heroicallyl0st · 10/07/2022 08:51

I’m sure it’s fine, but it’s also okay to ask for help too! Are there adults going on the trip who you could ask to lend her cash?

KarrotKake · 10/07/2022 08:51

Technically, you aren't allowed to. It is for your use only.
However, with contact less now the major payment - for me anyway - I suspect it's fine. I'd give her the pin tho, just incase it's asked for. Change it afterwards if you don't want her to always be able to use the card.

user1471462115 · 10/07/2022 08:51

No, she can’t. It is your card for your sole use.

i d go to a cash point with a mask and a wipe to clean the keys after using.

and this is why we keep a stash of cash money, enough for a couple of weeks food and petrol and a bit to spare, in a hidden place in the house.
banks do go down and can take a couple of days to get the electronic systems working again

get her her own basic bank account and card so you can transfer to her as well

dudsville · 10/07/2022 08:53

Do a bank transfer?

GreenIsle · 10/07/2022 08:54

MoodyTwo · 10/07/2022 08:43

Well if she looses it, I doubt the bank would look favourably on any fake aid transactions
However how old is she? I can't see an issue if she is sensible , most things are contactless anyway so she doesn't even need your pin now adays

Ok as if your going to tell the bank your daughter had it if lost. Who would be that honest and cause themselves unnecessary hassle Hmm

megletthesecond · 10/07/2022 09:00

For future reference Lloyd's allows children (over 11's IIRC) to have a contactless card. Mine have them in case of emergencies as I can transfer money over.
Hope you feel better soon.

Original poster
Scootergrrrl · 10/07/2022 09:00

As is often the way on here, an interesting spread of "of course you can" and "don't even consider it, you lunatic" 😁. Thanks for the advice so far.

OP posts:
HelloAllll · 10/07/2022 09:01

Of course you can give her it if you trust her - no one will ever check

gunnersgold · 10/07/2022 09:02

I work in retail and loads of people use other people cards ... just don't tell the cashier ! Make sure she has the pub for security checks !

IcedOatLatte · 10/07/2022 09:02

user1471462115 · 10/07/2022 08:51

No, she can’t. It is your card for your sole use.

i d go to a cash point with a mask and a wipe to clean the keys after using.

and this is why we keep a stash of cash money, enough for a couple of weeks food and petrol and a bit to spare, in a hidden place in the house.
banks do go down and can take a couple of days to get the electronic systems working again

get her her own basic bank account and card so you can transfer to her as well

Given that the OP obvioulsy isn't such a good money planner as you and can't open a bank account before the trip and presumably isn't well enough to go to a cashpoint of course she can use the solution that I guess most of us would do.

She must trust the girl to be sensible or she wouldn't be asking in the first place

Wiping a cashpoint is pure covid theatre, I thought we'd all moved on from that nonsense

Madamecastafiore · 10/07/2022 09:03

Is she old enough to have a phone? My kids have my debit card in their apple wallet. That way even if phone gets lost or stolen it can't be used, unlike if they lose the card.

Sunshineandrainbow · 10/07/2022 09:06

Absolutely let her take it unless she could walk to cash point before the trip and just take cash out.

Hope you feel Better soon.

knackeredagain · 10/07/2022 09:06

It depends on trust really. I tend to just send my kids the cash on online banking and they use their own cards but I presume your DD doesn’t have her own.
Another option is to ping some money to a friend who’s going and ask them to draw the money out for your DD.

RedCarsGoFaster · 10/07/2022 09:07

The hand wringing on here is hilarious 😂

I give DH my card, he gives me his. I know his PIN, he knows mine.

Just give her your card. Sod masking up or heading to a cash machine whilst sick. Do what normal people do, not mimic the pearl clutchers of MN who won't open the door if they don't know who is behind it or give little Tarquin anything except organic spelt for lunch.

It's not something the staff check in the shop - since the removal of those card imprinter machines - hence why fraud can be carried out so easily. But this isn't fraud.

user1471462115 · 10/07/2022 09:07

my advice was meant to be for ‘in the future’, so this scenario doesn’t happen again.
We learned the hard way a few years ago when our bank was hit by a virus and we couldn’t buy food or petrol

I know not everyone can afford to this, but many can, or they would just send their kids with a litre bottle of water, a pack up and some crisps and wouldn’t need to ask about giving over a personal bank card, to a child,

Cameronnorrieisabitofalright · 10/07/2022 09:08

If a cashier asks to see the card and for example it says Mrs and your dd is 16 she can refuse the sale...

RhubarbFairy · 10/07/2022 09:09

I've given both of my DC mine to pay for things when we've been at the shop/park etc but just using contactless.

Both of mine have HyperJar cards now, which are brilliant. We just transfer cash across to them.

You've not mentioned how old she is, but if she's responsible and you trust her, go for it.

Feel better soon 💐

TokyoTen · 10/07/2022 09:11

I've done this often for my sons - if you trust them not to lose it or go crazy it's fine. Don't forget to give her the PIN though. I'd either (1) give her the card or (2) give her the card to go to a cash dispenser and get some cash or (3) transfer to her if she has her own card she could use.

Both my sons borrow my card fairly regularly and know my PIN. Never had an issue.