Does Your Wife Know Your Atm Pin Number?

[Moonrakers]

SBK is lurking.

From a Female's point of view, does your Thai boyfriend know your PIN#?

[OZEMADE]

Does your wife know your ATM pin code?

NO

[steelepulse]

Of course the wife knows.  If you are going to marry someone, then they should know everything, otherwise don't marry her.  I also have access to her accounts, even though we actually share a bunch of accounts.

[monkfish]

Yes if something happens to me all my money will go to my wife not my frigging brother

[torrenova]

No she does not know. When married to my ex Japanese wife she did not know. Joint account and everything seperate apart from Amex which we used as our main shopping card.

I guess some of these people who say their partner does know all and sundry also post up about about Thais robbing you, problems in the family meaning cash is needed, their partners not understanding that money is not just to be spent immediately etc.

I would like to think I could but I would not do so and see no reason why I should. I can transfer money to her account and vice versa on the internet and she has a card linked to an account in my name which has limited funds in it.

Also, all banks, all over the world stipulate that you are not to share your PIN number with anyone, not even your wife !

[Moonrakers]

I think that the OP is a troll. :D

[yabaaaa]

I think that the OP is a troll.

Whats the big deal does it really matter gives u something to do doesnt it?

[G54]

Same here. My card is always in my wallet, along with her ATM card (at the moment).. We both know each others pin.

Heres a question...off topic...sorry....Do you let let you significant other check your mobile phone?

Now have g/f no have wife. But I never gave the UK wife my PIN either. Never saw the need. I adhere to the rule that you never give out your PIN number.

If I refused to let my g/f have access to my phone I think there would be too much suspicion on her part. Besides that, I do not have anything to hide regards my phone. I said elsewhere that she checks calls made to me and also photos I have. I do not have a problem with that because I understand her husband left her for another woman and she still has deep fears that will happen again.

[Moonrakers]

I think that the OP is a troll.

Whats the big deal does it really matter gives u something to do doesnt it?

Bearing in mind who the OP is, my post was an attempt at humour.

Obviously not a very good attempt though.

[Spee]

Does your wife know your ATM pin code?

No. My fiancee' does not know my PIN. She has her card and PIN and I have mine. I control the funds that go into her account, which gets reloaded every couple of weeks or so when I get paid. It's not a matter of implicit trust. It's a matter of money management. Whatever money is in there, she finds a way to go through it quickly and ends up with no money for a few days before I reload. I've tried and tried to explain to her to budget her money either by the day or the week, or even put a little away for a rainy day, but the concept doesn't stick. After several years, it'a a fixed pattern. It is what it is. Unless and until she makes a decision to change the way she manages her money, this is the way that things must stay. Committed relationships are as much a business as anything else. If one partner in the relationship can't manage their part of the financial end of the business, then constraints have to be applied to keep the business manageable. It's not a matter or trust, lack of caring or lack of love. It is the nature of the relationship.

[khundon]

Of course she does. My wife knows everything, as she is always telling me.

[duncaw]

She used to but has the memory of a goldfish. She often can't remember her own pin and has to ask me.

[SuratJohn]

She used to but has the memory of a goldfish. She often can't remember her own pin and has to ask me.

same here, just the other way, my memory is like that of a goldfish.

[Ricardo]

As a sex-slave, I'm not allowed my own account, I suspect ! :D

Oh ... I'm awake now, drat & tarnation, I was enjoying that dream !

[Gary A]

Of course she does. My wife knows everything, as she is always telling me.

My wife is the same. Since she knows everything why shouldn't she know my PIN numbers? I have three accounts with ATM cards and she knows all the PIN's. I know hers as well.

[slapout]

Spee seems to understand how to deal with his situation. There are probably quite a few of us who follow the same line for the same reason. " Why discuss such nonsense as a budget when we still have credit cards " A response heard when dollar was trading at 29 to 1.

[torrenova]

Does your wife know your ATM pin code?

No. My fiancee' does not know my PIN. She has her card and PIN and I have mine. I control the funds that go into her account, which gets reloaded every couple of weeks or so when I get paid. It's not a matter of implicit trust. It's a matter of money management. Whatever money is in there, she finds a way to go through it quickly and ends up with no money for a few days before I reload. I've tried and tried to explain to her to budget her money either by the day or the week, or even put a little away for a rainy day, but the concept doesn't stick. After several years, it'a a fixed pattern. It is what it is. Unless and until she makes a decision to change the way she manages her money, this is the way that things must stay. Committed relationships are as much a business as anything else. If one partner in the relationship can't manage their part of the financial end of the business, then constraints have to be applied to keep the business manageable. It's not a matter or trust, lack of caring or lack of love. It is the nature of the relationship.

A very valid point for many Thai ladies from my experience.

I remember some years ago a friend telling me that his long standing girlfriend could not manage the household finances (he built house and provided her with a stipend, both living in Thailand) on a monthly basis. She was responsible for paying the bills and buying food etc. and if anything was left over then she could save it or spend it as she wished. His best efforts saw her being able to manage two weeks at a time.

My first long time Thai GF was quite good. I guess she could make it month by month with discipline but I would not have thought it prudent for her to have to pay rent, UBC, telephone in the last week etc. My current GF was good some time ago but is unfortunately worse these days. I put that down to not working and taking care of the baby as she would have almost daily cash from assisting in my businesses beforehand. Now the money comes more irregularly, it is sometimes difficult for her to retain cash that is not needed immediately or within what I suspect she perceives as the time period between now and the next tranche of cash coming her way.

Overall, I guess women who are paid 100% of their money monthly, such as salaried women, are better money managers than those who receive money ad hoc or more regularly.

One point which I think sums up a girl's ability to manage money is to ask where whatever they have spent has gone. I don't mean down to the last Satang but perhaps down to the last few hundred. My experience is that poor money managers, especially Thai females, actually don't know and are not lying, but really cannot account for what they have spent.

To bring that back to the PIN issue, I therefore think it unwise for many of them to have access to ATM funds as the temptation to fritter it away is too great in many cases. A prime example is withdrawing Bt200 or Bt500 where they incur a fee of say Bt25 or so because they use an ATM which is not from their bank. Paying a 5% to 10% charge to access money is just plain ridiculous but they do it.

[Farma]

It all boils down to trust.

If the relationship is strong, both parties are responsible and working towards a common goal no harm is done by sharing ATM card pin numbers with your wife.

With internet and online banking it’s easy to keep track of what’s going on with the finances. I check my accounts daily anyway.

We both have our own sources of income. Any transactions and amounts involving the others account are agreed between us prior to them being made.

There are times when a bill is coming up and the exchange rate is favorable, both agree, she draws money from my account.

Other times if the wife’s busy I’ll transfer funds from her account to pay bills loans etc.

If all goes pear shape it’s a simple matter of logging into my online account and changing pin numbers.

[wolfmanjack]

Same here. My card is always in my wallet, along with her ATM card (at the moment).. We both know each others pin.

Heres a question...off topic...sorry....Do you let let you significant other check your mobile phone?

We both earn our own money. The problem is that she sees my income as our money and her income as her money. She is very good at saving her money by using our money to purchase most things. For example she used our money to buy the 5 CBM's of black dirt when she need 5 cubic feet to plant some pots. That is the reason she no longer has the pin number to any of my accounts.

As to my phone she has complete access to it since i have nothing to hide.

[ozsamurai]

Joint Account we both contribute to: Yes

Daily Expense Accounts: I don't have hers she doesn't have mine, but if I wanted to know then all I would do is ask, its called respect, not trust.

Major Accounts OS: No. No need under any circumstance.

Phone: If you have something to hide then best not keep a phone record of it anyway, she can use, check all she likes, ransack my pc for history searches, whatever, who cares? Its only when you are hiding stuff its an issue

edit: phone answer

Edited January 7, 2009 by ozsamurai

[mogoso]

I agree with Lite ... my partner has mine (and I know his .. and his account has more cash in it!)

My wife of course has it, but not only her but my mother in law has it also.

I do have two other accounts

[grantbkk]

I have had the same PIN# since the inception of ATM cards in the early 1980's. No one has ever had that number except me. My GF has here own bank account and I did know her PIN# at one time but I've forgotten it. A friend of mine brought his ex home for an encore performance and after he was asleep she search all of his papers until she found his PIN. Ten minutes before midnight and ten minutes after midnight she made withdrawals of Bt100K each, then kindly returned his ATM to his wallet before making her escape.

Many of us have had several past relationships, GF, wife or whatever, where in that initial "falling in love" stage, "she's the one" or the now famous "she's different" point we start blabbing our personal information. The pole should probably be: Who has given out their PIN# and regretted it?

Personally I believe in baby steps in a relationship. I did give my GF a key after three years of living together. Believe me, she wants for nothing. That said, the poster who brought up the fact that he was concerned that his GF would no be able to access his accounts if he should suddenly die now concerns me. Like many people I have put off making these types arrangement for obvious but not necessarily good reasons.

[Maigo6]

Thus, using European values (complete honesty?) would be very unusual and one-sided, perhaps...

Jeez, you come out with some nonsense at times.

[soundman]

Of course my wife has the PIN to my account. Precisely why there is never any money in it & why I keep cash hidden in a few strategic locations.

[imaneggspurt]

Yes,Why ?

[Maigo6]

Yes my Missus knows my ATM number, what if I had a really bad accident and was in a coma, who the heck would be able to get into my bank account to pay what would be a hefty hospital bill.

To leave someone having serious financial problems because you can't trust them is a very strange relationship scenario.

In fact, what would happen if I died suddenly, as I'm not legally married what would happen to the money in my bank account, not my savings account but my fixed account that cannot be accessed by ATM, would the bank just keep it ?

If I got married and registered it at the local amphur, would my then wife be able to claim it ?

Or would my Alcoholic brother be able to fly over from UK and claim it then piss it all up against the wall ?

George, you've opened up a can of worms here mate...........

Edited January 7, 2009 by Maigo6

[imaneggspurt]

No, she has no reason to know. I give her her pocket money every Saturday. She has never asked me what it is and I have never asked her what hers is.

Nothing to do with trust.

Strangely, I was thinking yesterday what would happen if I died - would she be able to get my money in the bank?

Are you talking about a 5 yr old child ? ......"I give her her pocket money every Saturday"

[imaneggspurt]

I think that the OP is a troll.

Agreed, its heading his ( intended ) way by the look of it,.

[Naam]

Does your wife know your ATM pin code?

yes, although i don't know hers. but it does not matter because all our holdings are in both names and each of us can act indepently.

[imaneggspurt]

It all boils down to trust.

If the relationship is strong, both parties are responsible and working towards a common goal no harm is done by sharing ATM card pin numbers with your wife.

With internet and online banking it's easy to keep track of what's going on with the finances. I check my accounts daily anyway.

We both have our own sources of income. Any transactions and amounts involving the others account are agreed between us prior to them being made.

There are times when a bill is coming up and the exchange rate is favorable, both agree, she draws money from my account.

Other times if the wife's busy I'll transfer funds from her account to pay bills loans etc.

If all goes pear shape it's a simple matter of logging into my online account and changing pin numbers.

EXACTY," It all boils down to trust. ", He might as well have headed this topic " do you trust your wife "