On 25 June, 01:02, Pete Verdon
d wrote:
I sometimes find it convenient to keep two wallets in different sets of
clothing. At present, I swap my debit/cash card from one to the other,
but it would be nice not to have to. Is there such a thing as a second
debit card on the same account, like his&hers cards for a couple but
both in my name? I can't see why this presents an intrinsic problem, but
I've never heard of it being offered.

Obviously I could have a second account, but that's a lot of
complication just to avoid swapping cards over when I change from work
clothes into BBQ shorts.

At present I'm with Halifax, but I'm curious whether this exists anywhere.

Cheers,

Pete

I've never heard of it. You could always ask your bank, but I would
suspect they might think it was a fraud risk.

Imagine that you make a withdrawal in London, and ten minutes later
there is a withdrawal in Edinburgh. With only one card, you can say
'they can't both have been me; somebody must have cloned my card'.
With two cards, when the bank asks you 'was the card in your
possession at all times', you're going to have to say 'no' - and the
bank is going to suspect that your work colleague/spouse/relative made
the Edinburgh withdrawal, either with or without your consent.

Alternatively, with only one card you're going to notice when you've
lost it, and report it to the bank pretty quickly; with two, you might
not realise you've lost the second one for ages. (Obviously some
people don't use particular accounts for ages, so also wouldn't notice
the loss of their card, but there doesn't tend to be much activity on
those accounts so the bank would probably spot the fraudulent
transactions).

I appreciate that the second card doesn't make fraud intrinsically
more likely, but I still think it might be a problem for the bank.