Can Debit Card Be Issued to Illiterate Person?

The Indian government has been pushing for the financial empowerment of the country and urging every citizen to open a bank account. 

While the literacy rate in India has seen a constant increase, there are millions of illiterate individuals who struggle with opening a bank account or getting a debit card.

The question now is, can illiterate person be issued debit card? Let’s explore this in the article.

Debit Cards for Illiterates: How & Where

Every bank issues criteria to check if the individual is eligible for a debit card. While the standards vary from bank to bank, the most common requirements are the following.

• The applicant must be at least 15 years of age 

• They must have a bank account, savings or current, with the respective bank

• The applicant should provide a valid proof of identity or address approved by the government

• He/She is required to hold a minimum amount in the bank account to avoid charges

No bank requires the applicant to be educated and well-versed in banking to open an account with the bank and carry a debit card. However, the individual must at least be numerically literate to operate the card.

How Can An Illiterate Person Get A Debit Card?

There are several ways an illiterate person can get a debit card. 

Approaching The Bank

Visit your nearest branch to understand how debit cards work. Banks will provide you with the necessary assistance to guide you through the process of acquiring a debit card. 

Over The Phone

Sometimes, bank executives contact you over the phone and explain the entire process in your preferred language to ensure you are informed about the procedure. They will apply for the debit card on your behalf and deliver the card to your address.

Online

To apply online for a debit card, you must have a trusted person with you guiding you through the process. They will help you understand what you are signing up for, the terms and conditions, and other important information. 

Audio Recordings

To assist those who can’t read or have difficulty reading, banks are now providing audio recordings of the entire process, step-by-step, to ensure a hassle-free process. You can request the bank for assistance in the form of an executive or an audio recording, according to your comfort.  

Once you are issued with a debit card, you might face additional struggles to operate it. You can take the help of a family member or friend to educate yourself on the basic terms required for a smooth debit card transaction or to withdraw money from the ATM.