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?

You will be fine. Just give her the card

If you have an online banking app you can keep an eye on what's being spent and freeze the card if she loses it.

I think the chance that a) a cashier is going to insist at looking at the card and b) not assume that's she's using a parents card is slim to nothing. And worst case scenario she just won't get her ice cream

Also yes of course if she runs up a massive bill you can't claim that back from the bank as it wouldn't be fraud.

But she's your child, you know how sensible she is

But why would I need to?

Adults I know all have their own accounts, cards, money. Nowadays we can transfer immediately, ten years ago I'd write a cheque if necessary.

My children used cash until they were old enough for a debit card (though this turned out to be 11, which we didn't actually realise till S1 was 13 ).

I haven't ever been without cash in the house (ran out of notes recently, but still had the bag of pound coins we use for change at karate class).

It would never have occurred to me that the simple option was handing over my bank card (especially as I signed a bit of paper to say I would never do that...)

Yes, if you give your permission. I allowed my DD to add my card to her phone to make it easier.

I'm absulutey baffled that so many people are so blasé about giving their bank cards to other people.

I never gave cash so often give it to dd11 to go to ice cream parlour/ shop with her friends.

Yes of course. Make sure she knows your number in case contactless declines. You'll get some rule sticklers on here saying you should never give ANYONE your number but in real life people do, all the time. DD has my Monzo card as her own personal card. It's very handy as I can just top it up for her when needed

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

Tbf my daughter has done this before - because cashiers know it's totally normal for people to use others cards. They don't care as long as they are getting paid for the groceries

How is that any different if we are concerned anklet the official rules? It's the same thing. Giving out a pin to another and another using a card meant for yourself

I ve given my DD my spare CC inc PIN (for an emergency) when she has gone on hols when she was a student.

I'd trust her with my life though.

Probably the bank would say no but in reality people do it all the time. But you will have to give her the pin. Unless you think she is likely to buy a £1000 handbag!
I give my son mine all the time if he wants to run out and buy something.
Kids can have a debit card from 12 years old, so consider having her open her own account.

I’m also surprised by those who casually say they would then commit fraud if the card was list or mis-used.

I don't see the issue with giving her the PIN if you trust her for this one trip. You just change the PIN after surely....

@liveforsummer because then they are not carrying the card around and risk using it
Technically it may not be allowed but loads do it
Me and dh use each others all the tie of one of us has a card and others is at home or can't find it
You can always change your number straight away if your that worried

I meant to say risk loosing it

@AnaïsM how is it fraud if its lost its lost ,

@greenacrylicpaint well we aren't giving it to some random on the street
Only someone we trust and with an banking app you can see what its used for and stop in an instance
My ds using my card to go to shop for me , he uses it for what i ask , then brings home thats it , if I didn't trust him I wouldn't give it

I'm not worried. I think it's perfectly fine for her to take the card but the people objecting are doing so because it's 'against the rules' so I don't see how this is any different in that case. Could still drop the card and cash machines are a bit riskier in terms of safety than a shop transaction (theft/dropping cash/seeing number over shoulder etc) If you were particularly concerned about a child losing the card setting their phone up for Apple Pay would be a good alternative. I always give my dd the card though as her phone is bound to be out of battery when she needs it.

I always had my parents pin code and my kids know mine. But these days most small purchases are covered without it.
Obviously if your child ever told anyone the pin or if they misused it you wouldn’t be covered under any fraud protection, but most teens are pretty trustworthy (contrary to popular stereotypes).

@merryhouse has it occurred to you that some of us don't have the luxury of being able to keep spare cash in the house as we don't have it spare
Maybe many if us trust our partners / kids so we don't see it as a big deal , especially as now we don't even have to give them the pin half the time
The bank advice is to protect you incase of fraud etc and because people gave pin numbers to anyone , do you not think a lot of old people don't give there kids the number as they can't get to a cash machine easily

@liveforsummer yes true
Also not everywhere takes apple pay
Mine have their own cards now but i have given them mine to pay for stuff i have asked them to get from shop etc or get money out
But mine are trustworthy and tbh they forget the code by the time they walk to the shops half the time , let alone retain it for days
I just used ds card at petrol station as realised i had left mine at home, he was with me but didn't want to walk in the shop so gave it to me with the pin number just incase , I can't remember the number nOw , 30 mins later though

Yes, this. If fraud arises, you won't be able to get your money back.

The fraud investigation teams. pretty good at finding out actually, it isn't too difficult to identify a card being used in a location the cardholder blatantly wasn't, plus there are cameras in so many places.

I don't know why so many people think this is normal, just get organised and make sure everyone has their own card & PIN and transfer ££ between your accounts when needed.

If 'so many people' think it's normal surely that does indeed mean it's normal?! More people doing it than not by it's very nature makes it 'normal'.

Fair point, I definitely used the wrong word there!