SBI rule: Husband cannot use wife’s debit card, court agrees
Banking rules categorically states that one cannot use or transfer money using their spouse’s debit card for any reason or anytime. No other person other than the card holder can use the debit card for transferring or withdrawing money from the ATM.
On November 14, 2013, Marathahalli resident Vandana gave her debit card with PIN to her husband, Rajesh Kumar, to withdraw Rs 25,000 from a local SBI ATM, Rajesh went to the ATM and swiped the card, the machine delivered a slip showing the money was debited, but the amount was never released. SBI cited the ‘non-transferable’ rule and said the account holder was not the ATM user and turned down the money claims.
Debit Card holders cannot give their cards to their spouse to withdraw money
Vandana approached the Bangalore 4th Additional District Consumer Disputes Redressel Forum on October 21, 2014, alleging that SBI had failed to refund the RS 25,000 she’d lost in the ATM transaction. She said she had just given birth and could not move out of home, hence have to ask her husband to withdraw the money on her behalf.
When the ATM did not release the money, Rajesh called the SBI cal centre only to be informed that it was an ATM fault and the money would be reverted to the account within 24 hours. With no sign of the money after a day, he approached the bank’s Helicopter Division branch at HAL with a formal complaint. But much to the shock of the couple, SBI allegedly shut down the case in a few days, stating the transaction was correct and the customer got the money.
Before approaching the consumer forum, the couple made a final plea to the bank ombudsman who simply ruled, ‘Pin shared, case closed.’
In the final verdict produced by the Court on May 29, 2018, the court ruled that Vandana should have given a self-cheque or an authorization letter to her husband for withdrawal of Rs 25,000, instead sharing the PIN and making him withdraw the money. The court dismissed the case.