Can my daughter use my debit card?

[Scootergrrrl]

Stuck in bed with bastard Covid (having avoided it all the way through ) 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?

Who's gonna know ? !

Is that a joke

The terms and conditions of your account say the card is for your sole use.
In reality using contactless it’s very common for people to give their card to a third party.
It’s very unlikely but not completely impossible she’ll be required to undertake a chip and pin transaction.
Up to you if you are too nervous re all the what iffery. Doesn’t concern me and my DC frequently use my card running errands.

Yes. Tapping would be fine. If it doesn't tell her to call you for the pin. Then change your pin.

Unless she’s only about five years old then of course it’s ok. Every member of my family has taken my card out to buy things on occasion. Lots of places don’t even take cash any more.

Apple Wallet! Excellent call. Just checked and, because we have a family ID, my card is already in there. Good job she's never clocked that before (disclaimer - that was a joke. She's very responsible and wouldn't dream of spending money she hadn't been told she could.)

Can you set her up on revolut? She can use her ph to tap and you can put on what she needs. With a child's account you can see when and where she spends money.
I have it for all my DC and it has made life so much easier tbh.

My dd has dh’s card in her Apple wallet. She uses it all the time - approved purchases obvs.

That's not going to highlight the fact that it's not her card at all 😂

Hang on cashier while I call the person the card belongs to and find out the PIN

That's not a serious suggestion is it?

Technically no, but we do this all the time and nobody has ever questioned it. DS and DH know my pin.

Yes she could use it but really she shouldn’t. I’ve given mine to my son but when he went to use it it asked for pin and I had to go anyway.

it's against bank's terms and conditions.

can you online bank a tenner to a friend's mum for cash for the trip?

I hope you feel better soon.

I have never heard of this or had this happen to me and I have worked in retail for 25+ years....

My son uses mine all the time I wouldn’t give it a second though, my sons been using mine for over a year

Don't know how old - they are - missed that on the thread - but be prepared for the inevitable 'losing of things' as they approach teenage years. Phone, wallet, suitcase on train, debit card, house keys. No matter how sensible you think they are, mistakes happen.

For that reason although the other day I handed my DD my care to get a pizza in an outdoor restaurant whilst I was sitting 500 yards away, I wouldn't give it to her on a day out. As a single mum I always, always need to know my purse with all the relevant bits is IN MY HANDBAG next to me!

It is a learning curve and about being organised. Once they have lost said items of their own (and realised it is a faff to cancel their card etc) - they stop doing it and start being more careful.

And I second keeping some cash in the house. You never know.

Get them set up with NIMBL or Henry. That way you can even keep an eye on what they are spending (and indeed WHERE they are spending it).

Go Henry

Of course you can. I have three dc and when my boys were younger you couldn’t get bank accounts with debit cards for teenagers (or they weren’t so common) they are now 20 and 25 and so I would often give them my card to go shopping with. Give them a limit and warn them if they wanted extra they had to call first.
dd is 16 and has had her own bank account with card since she was 13 But I still give her my card to use say we are stopping at small shop and she’s running in to get stuff for me. She knows my pin. If I didn’t trust her then I wouldn’t let her use it. Same with the boys. I’d still let them use it now.

if you can trust her and give her a budget then I don’t see why not. But if she’s a teenager definitely look into opening a bank account for her. DD’s is with metro bank and it was simple to open and is quite strict under 16 like not being able to transfer out and no foreign transactions but no fees or charges.

Wow, am shocked by these replies.

Yes, there are 'special bank rules' that mean the card is for your use only. If they get wind you have shared your PIN or allowed someone else to use your card, please don't expect the bank to refund you if you are ever a victim of fraud, even if it has nothing to do with the sharing. You've broken the T&Cs of the account.

You can do it however, if she loses it then the bank wouldn’t be able to support you as you knowingly gave your card and your pin away.
Apple Pay would be a much better way around it!

Yes let her use it if you trust her, if you have any doubt then nip to the cash machine for her . Hand wash and mask tho xx

And how would the bank know that it wasn't you who lost the card? You'd have to be a muppet to tell them.

Do it, OP. There is very little risk and most people do this from time to time with no adverse effect.

Ha ha, I'm in the of course you can camp. Its a last resort though. She'll need the pin number though, if you can't trust your own family with your, then who can you trust.

For longer term I'd recommend Nimbl though.

I'd give her the card to store in her phone cover and text her the pin. Make sure she has a password set up on her phone screen. I'm sure it will be fine.