Legally and according to standard banking terms of service in 2026, your wife cannot use your personal debit card, nor should you give her your PIN. A debit card is a personal contract between the bank and the individual named on the card. If she uses your card and a merchant or ATM detects the discrepancy, the card could be confiscated, and the bank may refuse to provide fraud protection for any disputed transactions because you "willingly compromised" your security by sharing the PIN. In some jurisdictions, this can even technically be flagged as "identity fraud" at the point of sale. The correct and legal solution in 2026 is to either set up a joint bank account where she has her own card with her name on it, or to add her as an authorized user (if your bank allows "secondary" cards for the same account). This ensures both of you are legally protected and have individual access to the funds without violating the bank's security protocols.