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?

Absolutely - it's an antiquated action. I had to ask names against cards in Dorothy Perkins back in the late 90s but only if we suspected fraud. Staff can still ask these days, but given the plastic Covid protections are still up for staff in most shops I seem to go into, they never ever handle your cards anymore anyway.

It’s a breach of your terms and conditions, and would likely invalidate any fraud cover. You could not claim back the amount if she or a friend ran up a massive bill.

That said, if you trust her I think it makes sense to do.

Can you not send her to a cashpoint to withdraw cash ? That's what I used to do. My dds knew my pin number

Of course she can. I often give my kids my card to go to local shop, I often use DHs. I'm normally in the car or round the corner though so to be on the safe side, if she's old enough, I'd get her to go and get cash out using it to take on the trip. Bit otherwise, it's fine.

Absolutely baffled that there's adults who exist who have never given someone else their bank card!

You aren't supposed to give your PIN out to anyone else so you would probably be liable if something were to happen and your account got cleared out.

However - yes I've always given my DH/DS my PIN so they can withdraw money if needed .

no one is going to admit to giving their pin/ card to anyone though are they come on!

The rules are not to.
I still have. Just make sure she knows to let you know if she loses it immediately so you can cancel.
If she's a bit flakey, cancel contactless so she has to use the pin. Then if she drops it you're safe.

If you give her your card and pin you lose any security with the bank if the card is misused.

Ah - see you were asking if you should give your DD your bank card for the trip? No I wouldn't have been comfortable with that. How far do you live from the cash point?

Well OP wouldn't tell the bank her daughter had it, would she. She'd say they were out in X place and she must have dropped it/had it taken out of her pocket.

OP I've been using my mum's bank card since I was about 10, it's fine so long as you trust your DD :) .. and make sure she knows your PIN in case contactless doesn't work.

Can you message the group organiser and ask to transfer some money to them if they can give your dd cash? Or a friend?

If she loses the card (highly unlikely) you just call the bank and cancel it straight away, they're not going to grill you on where/how exactly you lost it? They just block it from working. The chances of someone finding it in that time and going on a spending spree are absolutely miniscule!

Some people worry too much

Why bother other people? Creating drama where there is none! Just let her go to the bank.

My kids know my number and I trust them, how else do you think they’d become responsible? They now have their own cards and I transfer the money over.

For future reference. I might be wrong, but I think Revolut do a young person's card. It has to be topped up. I have a revolut and a monzo but I dont think Monzo do the young person's version

This is a great idea though. I'd do that first, card option second.

This thread is bizarre. So many overly dramatic pearl clutchers.

Give her your card and PIN (if you trust her). No big deal.

I’d give her the card and make sure she knows the pin, just in case it’s asked for.
My dd is 12 and has a Nationwide debit card. Kids can apply from the age of 11, online from the age of 13.
I hope she has a good day out!

If you are a person who always sticks to the official rules then no you can't, debit cards are only for use by the person whose name is on the card. In reality people let others who they trust use their cards all the time. If that person started mis-using it you would have to stand the loss as you have broken the banks terms by handing it over so you need to be sure that she will not use it to treat all her friends to anything they fancy whilst she has it.
If you are only thinking of contactless use its possible she may need to input a PIN at some point particularly if it's used in an area you do not usually visit as this might flag up as possible fraudulent use so it might not work. If you tell her your PIN then you are trusting her with all the funds available in your account.

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

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?'

I've done this in front of the cashier in Tesco when using DHs card. Literally rang him and said contactless isn't working, what's your pin. Nobody cares.

Technically you shouldn't give your card to someone else , that said i do it with mine all the time , I give them the pin no as well as they don't retain it afterwards and they won't steal from me anyway , but if I was concerned I would just change the pin
She could go to cashpoint before you go and get the cash out for the trip

@Chewbecca and how would they know ?

Tbh when I loose my card i don't even speak to the bank these days i just temp freeze on app until i find it or report as lost if genuinely lost it

I don’t think you’re meant to but I use my husband’s and no one seems to notice

but get a top up card for her that you can add funds to in her name for the future

Yes you can let her use it, however any transactions you do not agree with will not be covered by any fraud guarantee your bank offer.

Do you have a spare bank account you could transfer a little bit of spending money to, so shw cant go wold with all your money, or send your daughter to cashpoint to withdraw some cash?