Can you use someone else's bank card

Can you pay for a purchase with someone else's bank card

Is it allowed to use someone else's bank card or pass your card to third parties? The terms of a bank agreement always state that only the owner themselves or authorized representatives can pay with the card. Therefore, from the bank's perspective, using someone else's bank card is always a violation.

Despite the prohibitions, we very often hand over our payment instrument to close people: to pay for goods, withdraw or deposit cash. Of course, we will not bear criminal liability for such actions. The law does not provide for punishment for using someone else's funds if the card owner knew about it and, most importantly, gave their consent.

The opposite situation arises when you find someone else's card and decide to misappropriate money from it, for example, by paying with it in a store. In this case, we are talking about a violation of the law, specifically Article 158 of the Criminal Code of the Russian Federation.

Note.

Please note that it is better for the person to whom you entrusted your payment instrument to have your consent with them — law enforcement agencies may take an interest in them, although in practice this happens extremely rarely.

Liability for using someone else's bank card

Now let's talk about liability. Let's consider two situations: when the card was used with the owner's consent and when funds were stolen from the account.

Liability for transferring a card to third parties

Suppose you handed your card to your spouse so they could pay for goods in a store. You did not draw up a notarized power of attorney and did not state your official consent. If information reaches the bank that you gave your card to a third party for temporary use, it has the right to:

• block the payment instrument without your consent;
• confiscate the card from you;
• suspend or terminate all debit transactions and leave you only the ability to top up the account.

Note.

If you want to grant access to your account to close relatives, the best option is to issue additional cards in their name.

Liability for theft of funds

Theft of funds from someone else's bank card is always subject to liability in accordance with paragraph "g" of Part 3 of Article 158 of the Criminal Code of the Russian Federation.

If you find someone else's card on the street and decide to use it for your own needs, then, according to the law, the court may apply the following types of punishment against you as an offender:

• a fine ranging from 100,000 to 500,000 RUB or in the amount of wages (or other income) for a period of one to three years;
• forced labor for up to five years with restriction of freedom for up to one and a half years;
• forced labor for up to five years without restriction of freedom;
• imprisonment for up to six years with a fine of up to 80,000 RUB or in the amount of wages for a period of up to six months;
• imprisonment for up to six years without imposing a fine.

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What to do if you find someone else's bank card

When you find someone else's bank card, the first thing that comes to mind is to try to find its owner. In fact, it is better not to do this. You do not know what happened before the card came into your hands. Perhaps it was stolen, cashed out, and thrown away to get rid of evidence. In this case, the owner of the payment instrument may quite reasonably decide that you committed the theft. And then you will have to prove your non-involvement in the crime to law enforcement agencies. For the same reason, it is better not to destroy someone else's card.

The only correct decision would be to call the hotline of the credit institution that issued the card, using the number on the back of the plastic. In this case, the bank will simply block the payment instrument and notify the owner.

What to do if you lose your bank card

The first thing you should do if you lose your card is to block it. This must be done to prevent the theft of funds from the account. You can do this via the hotline phone number or in the bank's mobile application.

Note.

Some banks provide the option of temporary blocking. You can use this service if you suspect that you lost your card at home.

Then you need to make sure that no money has disappeared from your account since the card was lost. Request a bank statement or check transaction history in your mobile app. This will help you find out if a stranger has used your financial instrument.

What to do if money was stolen from your card

If your card falls into the wrong hands without your consent, you must immediately contact the bank and report the crime. Then you need to order a transaction statement and file a police report, attaching evidence of the theft.