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.

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