current account with 2 debit cards?

Anthorn

kenziesmummy wrote: »

I am separating from my partner and to keep things fair we have decided to each put a certain amount of money into a pot to use for the children. We need a cash flow (school trips etc) so cannot use a credit card.

Is it possible to find a bank account (preferably not joint as we do not wish to be linked financially) that can have 2 cards so that we can individually dip into the account when the children are with us?

Thanks for your help!

Asian banks typically allow more than one debit card on sole accounts but that may not apply to their U.K. subsidiaries. Try inquiring with Union Bank Of India (UK) Ltd:
http://www.unionbankofindiauk.co.uk/personal/current-account

jimjames

Why not a credit card? Very easy and standard to have more than 1 card issued as well as the main cardholder. Just split the bill each month?

mwarby

WillPS wrote: »

There are basic current accounts which do not appear on credit reports, but I doubt any of them offer joint functionality.

While no doubt there are basic bank accounts which don't report, there are many that do - I know that Halifax/Bank of Scotland, Barclays, RBS and Nationwide accounts all get reported to Noddle

madgagoo

grumbler wrote: »

Not really a difference from a joint account where both are jointly and solely responsible.

Yes, it is very different. It would be the OPs account and they would be solely responsible for any debt on the account, no joint responsibility at all.

The third party mandate gives a third party access to the account but does not make it their account. In the same way the third party has no claim on the account to say it is their money.

grumbler

madgagoo wrote: »

...Be careful though, as if your ex-partner runs up a debt on the account (unauthorised overdraft for example) then you will be responsible, not them...

grumbler wrote: »

Not really a difference from a joint account where both are jointly and solely responsible.

madgagoo wrote: »

Yes, it is very different. It would be the OPs account and they would be solely responsible for any debt on the account, no joint responsibility at all.

And? I don't see any difference as the sole liability presents in both cases and the joint liability doesn't diminish the sole one. In both cases bank can chase the OP for the whole amount owed.

System

grumbler wrote: »

And? I don't see any difference as the sole liability presents in both cases and the joint liability doesn't diminish the sole one. In both cases bank can chase the OP for the whole amount owed.

Wouldn't my earlier suggestion i.e. a joint savings account with a cashpoint card each work best then? x