SBI says husband cannot use spouse’s debit card, courtroom agrees | Bengaluru Information

BENGALURU: An informal act of letting your partner or an in depth relative/pal withdraw cash from an ATM utilizing your debit card may show pricey. That is what a Benglauru girl on maternity go away lately learnt, albeit the onerous manner.
Banking guidelines categorically state that an ATM card is non-transferable and no different particular person other than the account holder ought to use it.

On November 14, 2013, Marathahalli resident Vandana gave her debit card with PIN to her husband, Rajesh Kumar, to withdraw Rs 25,000 from an area SBI ATM. Rajesh went to the ATM and swiped the cardboard; the machine delivered a slip displaying the cash was debited, however the quantity was by no means launched. SBI cited the ‘non-transferable’ rule and stated the account holder was not the ATM person and turned down the cash claims.
Vandana approached the Bangalore IVth Extra District Shopper Disputes Redressal Discussion board on October 21, 2014, alleging that SBI had didn’t refund the Rs 25,000 she’d misplaced within the ATM transaction. She stated she had simply given start and couldn’t transfer out of house, therefore needed to ask her husband to attract the cash on her behalf.
When the ATM didn’t launch the cash, Rajesh referred to as the SBI name centre solely to be told that it was an ATM fault and the cash could be reverted to the account inside 24 hours. With no signal of the cash after a day, he approached the financial institution’s Helicopter Division department at HAL with a proper grievance. However a lot to the shock of the couple, SBI allegedly closed the case in a couple of days, stating the transaction was right and the shopper received the cash.
After working from pillar to submit, the couple obtained CCTV footage that confirmed Kumar utilizing the machine, however no money being distributed. They additional lodged a grievance with the financial institution, following which an investigation committee dominated that Vandana, the cardholder, just isn’t seen within the footage.
In the meantime, Vandana, by means of an RTI, obtained a money verification report of the ATM for November 16, 2013, which confirmed extra money of Rs 25,000 within the machine. The report submitted within the courtroom was later countered by the SBI counsel who produced a report displaying no extra money.
Earlier than approaching the buyer discussion board, the couple made a ultimate plea to the financial institution ombudsman who merely dominated, ‘PIN shared, case closed.’
The case went on for over three-and-a-half years. Vandana stated SBI ought to refund her cash which was misplaced as a result of an ATM flaw, however the financial institution stood its floor, citing the rule that sharing ATM PIN with another person was a violation. Additional, the financial institution produced paperwork, together with log information, displaying the acknowledged ATM transaction was profitable and technically right.
In its verdict on Might 29, 2018, the courtroom dominated that Vandana ought to have given a self-cheque or an authorisation letter to her husband for withdrawal of Rs 25,000, as a substitute sharing the PIN and making him withdraw the cash. The courtroom dismissed the case.
Watch SBI says husband cannot use spouse’s debit card