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  • FIRST POST
    • angeljay
    • By angeljay 4th Jan 18, 12:33 PM
    • 193Posts
    • 11Thanks
    angeljay
    1 Current account with 2 Debit Cards
    • #1
    • 4th Jan 18, 12:33 PM
    1 Current account with 2 Debit Cards 4th Jan 18 at 12:33 PM
    Hi

    My partner and myself would like to open a current account (no overdraft) in my name only (He is on a IVA) which we can use to add any spare money into and jointly share this.

    Firstly is there bank I can open an account with, which we both have a debit card for and the ability to both access the app for this bank?

    Can I order an additional debit card whilst opening the account?

    Thank you.
Page 1
    • Kim_13
    • By Kim_13 4th Jan 18, 1:58 PM
    • 1,670 Posts
    • 1,905 Thanks
    Kim_13
    • #2
    • 4th Jan 18, 1:58 PM
    • #2
    • 4th Jan 18, 1:58 PM
    Not to my knowledge.

    If you were to order a new debit card, any card that had previously been issued would be set to stop working shortly afterwards.
    Sealed Pot 11 #520 ~ /£100
    VSP 2018 #9 ~ £0/£180.00
    CCCC 2018 #1 ~ £8.00/£180.00

    I'm a Board Guide on the Savings and Investments , Budgeting and Bank Accounts , Credit Cards and Marriage, Relationships and Families boards which means I volunteer to help get your forum questions answered and keep the forum running smoothly. Please remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this.) Any views are mine and not the official line of MoneySavingExpert.com
    • Don80
    • By Don80 4th Jan 18, 2:37 PM
    • 209 Posts
    • 83 Thanks
    Don80
    • #3
    • 4th Jan 18, 2:37 PM
    • #3
    • 4th Jan 18, 2:37 PM
    I agree, cards can only be issued to account holders, and only one at a time. You can have an additional cardholder on a credit card but not a current account.
    • Zanderman
    • By Zanderman 4th Jan 18, 2:41 PM
    • 1,333 Posts
    • 3,798 Thanks
    Zanderman
    • #4
    • 4th Jan 18, 2:41 PM
    • #4
    • 4th Jan 18, 2:41 PM
    Firstly is there bank I can open an account with, which we both have a debit card for and the ability to both access the app for this bank?

    Can I order an additional debit card whilst opening the account?
    Originally posted by angeljay
    I doubt it. Only the account holder(s) can access a bank account - unless you break the terms and conditions. So if the account is in your sole name you might both login using the app on different phones, but it would be your login, and you would be breaking T&C by having given the login details to your partner.

    Don't think there are any circs where you could get a working second D Card either - as if you asked for one saying you'd lost the first they would cancel the first. And if you said it was for your partner it would be against the T&C and they'd refuse.

    You could, I assume, be naughty and set up partner with your debit card details on the androidpay app - so partner could use a virtual version of your debit card with a smartphone. But that would still be breaking T&C. And that might jeopardise your account.

    The only way to do this legitimately would be a joint account - which presumably you've ruled out because of his IVA.
    • madgagoo
    • By madgagoo 4th Jan 18, 9:53 PM
    • 345 Posts
    • 173 Thanks
    madgagoo
    • #5
    • 4th Jan 18, 9:53 PM
    • #5
    • 4th Jan 18, 9:53 PM
    Natwest - you open an account and then ask for your partner to be added as a third party. It remains your account with your own card and your partner will have their own card and access to the account.

    https://supportcentre.natwest.com/Searchable/913241532/What-can-I-do-as-a-third-party-on-an-account.htm
    Last edited by madgagoo; 04-01-2018 at 9:55 PM.
    • ic
    • By ic 5th Jan 18, 12:56 AM
    • 2,549 Posts
    • 1,305 Thanks
    ic
    • #6
    • 5th Jan 18, 12:56 AM
    • #6
    • 5th Jan 18, 12:56 AM
    I did something similar with getting a third party card on a lloyds account before we had power of attorney on my grandmas account, Meant we could legally withdraw and spend on her behalf.
    * my posts are made in good faith and only represent my own opinion, experience or understanding of a situation.
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