Can I Use Someone Else’s Debit Card With Their Permission?

Each bank has its own terms of use for debit cards (and credit cards). Within such terms, the account holder and their friend or family member can determine if they’re allowed to lend you their card.

Can I authorize someone else to use my card?

Some banks and credit unions may allow you to add an authorized user or signer to your checking account and debit card. Just remember that, as the account holder, you alone are responsible for the spending that the authorized user does.

Can I allow someone else to use my bank account?

You can allow someone else to use your bank account by making them an authorized user or signer on your debit card. In this case, you are still responsible for the account’s debts, but the other person can spend freely, as well as deposit and transfer funds. For some people, such as couples, it may make sense to have a joint bank account, in which each individual has full privileges and responsibilities toward the account and its funds.

Can an authorized user of my bank account get in trouble?

If you add an authorized user to your debit card, you are responsible for their spending — not the user. For instance, if the user forces your account to overdraft and there’s a fee associated, you have to pay that fee. They will not get in trouble with the bank; you will. One other point: If you give your debit card to someone to use, there is a possibility that they might not be allowed to use it at, say, a shop on the corner you regularly buy from. The staff might choose not to honor the card, fearing it’s been stolen.

Can someone use my debit card with just the number?

A fraudster can use your debit card without having the PIN. In fact, they don’t even need the physical card at all. It’s important to keep your banking information — including your bank account number, bank account password, debit card number, and debit card PIN — confidential and secure. Don’t write the information down, and avoid sharing with people you know.

Credit Card for Startup

SoFi receives compensation in the event you obtain a loan, financial product, or service through SoFi’s marketplace, owned and operated by SoFi Lending Corp., licensed by the Department of Financial Protection and Innovation under the California Financing Law, license number 6054612; NMLS number 1121636. ((www.nmlsconsumeraccess.org)). This page is NOT operated by SoFi Bank. Loans, financial products, and services may not be available in all states.

All loan terms, including interest rate, and Annual Percentage Rate (APR), and monthly payments shown through SoFi’s marketplace are from the listed providers, are estimates based upon the limited information you provided, and are for informational purposes only. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider's discretion. Estimated APR includes all applicable fees as required under the Truth in Lending Act. The actual loan terms you receive, including APR, will depend on the provider you select, their underwriting criteria, and your personal financial factors. The loan terms and rates presented are from the listed providers and not by SoFi Lending Corp. Please review each provider's Terms and Conditions for additional details.

†Credit score impact: To check the offers, terms, and/or rates you may qualify for, SoFi and/or its network providers will conduct a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the provider(s) you choose will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Rates may not be available from all providers.

TLS 1.2 Encrypted

Equal Housing Lender

“Credit Card for Startup”

Using Someone Else’s Debit Card With Their Permission

Average Car Loan Interest Rate for 800 Credit Score

Common Credit Report Errors and How to Dispute Them

What Credit Score Do You Need to Buy a Car in 2024?

How to Dispute a Business Credit Report

“Credit Card for Startup”

Using Someone Else’s Debit Card With Their Permission

Average Car Loan Interest Rate for 800 Credit Score

Common Credit Report Errors and How to Dispute Them

What Credit Score Do You Need to Buy a Car in 2024?

How to Dispute a Business Credit Report

Student Loan Refinancing

Personal Loans

Online Investments

Other

Student Loan
Refinancing

Personal
Loans

Online
Investments