Hello Does anyone have any suggestions about a banking problem we are having? My Mum has dementia and no longer understands the value of money. My 18 year old brother asks my Mum for money, but she doesn't understand that she can't afford it. We have set up 2 accounts for Mum, her first account is for paying bills. Her benefits are paid into that account, and all her bills are paid by direct debit. We have taken away her card for this account, so she can't spend any money. We set up a second account for her, we transfer some spending money to that every week. She has a card for that, and she manages to do her own shopping at tescos, buy some clothes etc. The problem is, the keeps going overdrawn on the second account, as she doesn't realise how much money she is spending. She uses her switch card, to buy stuff or get cash back in supermarket, and goes overdrawn. Then the bank charges her for going overdrawn. What we want is for her switch card to stop working when she has no money in her account. But her switchcard keeps working even when she has no money. We don't want to take her card away from her, as she likes being able to go shopping herself. Any ideas?