How do you get money out if you can't leave the house.

p00hsticks

bradders1983 said:

candicemarie said:

My mother's severely disabled and can't leave the house.  Someone has been getting money for her using her bank card and pin, but the bank tells me that isn't allowed.  How do you get money out if you can't go to the bank and don't use the internet?

Just carry on as you are, how are the bank going to know?

It's leaving the person on very dodgy ground if they are a victim of fraud, especially if it's fraud at an ATM. 

A better solution would be to get someone set up with Power of attorney for the housebound person - they can then request a debit card of their own for the persons account ( from my recollection the card shows the holders name with 'POA other person' underneath) and then legitimately use it to withdraw money from an ATM or purchase items.

MalMonroe

Grumpy_chap said:

Why can't she go out of the house?
Shielding has ended.

Shielding hasn't ended. Lockdown has ended. My family and I are still shielding simply because a high number of people are still dying from Covid where I live. 

MalMonroe

p00hsticks said:

bradders1983 said:

candicemarie said:

My mother's severely disabled and can't leave the house.  Someone has been getting money for her using her bank card and pin, but the bank tells me that isn't allowed.  How do you get money out if you can't go to the bank and don't use the internet?

Just carry on as you are, how are the bank going to know?

It's leaving the person on very dodgy ground if they are a victim of fraud, especially if it's fraud at an ATM. 

A better solution would be to get someone set up with Power of attorney for the housebound person - they can then request a debit card of their own for the persons account ( from my recollection the card shows the holders name with 'POA other person' underneath) and then legitimately use it to withdraw money from an ATM or purchase items.

Don't you have to pay for POA? And it isn't cheap. And doesn't it take a while to process, too? This seems to me to be a problem that can't wait.

millie

Your mother could give you a cheque to pay into your account and you could get the money out of your bank for her when she needs it.

A_Lert

The old fashioned way is write out a cheque, instruct the helper to deposit the cheque and draw the cash from their own account. Or the money could be bank transferred over.

The modern way. Some banks let you generate a one-time cash withdrawal code, using their mobile banking app or possibly via telephone banking, that can then be put into that bank's cash machines. That code can safely be given to a helper since it's only good once for that particular amount.

But if your mother can't leave the house, why does she even need significant amounts of cash?

gary83

A_Lert said:

But if your mother can't leave the house, why does she even need significant amounts of cash?

 Similar position here, even though the person might not have left the house since March they’ll still have been eating during that time, food & other household requirements need to be paid for. In addition anything that used to go wrong around the house I.e. leaky radiator etc. Is still going wrong, still needing repair & still needing paying for.

It’s not free to live, even in your own house

Dr_Crypto

Yes but why do these transactions have to be in cash? 

However assuming the mother wants to continue using cash then the simplest way is to continue the current arrangement. 

Jeremy535897

When my mother was alive, she made her account a joint account in both our names, with the full approval of the bank. That meant I could pay all her bills and manage her money. Obviously there has to be a strong degree of trust, but that also applies with a power of attorney, and has been said before, LPAs are rather more complicated and expensive.

Grumpy_chap

RobM99 said:

Grumpy_chap said:

Why can't she go out of the house?
Shielding has ended.

First four words of the OP offer a clue.

I apologise, I had jumped straight into coronavirus mode and not read 'outside the box'

Barny1979

Grumpy_chap said:

RobM99 said:

Grumpy_chap said:

Why can't she go out of the house?
Shielding has ended.

First four words of the OP offer a clue.

I apologise, I had jumped straight into coronavirus mode and not read 'outside the box'

To be fair the OP did put it into Coronavirus help.