Privacy Rights

My Bank Details Were Used Without Permission

Q: I had permission to use the account because we are family.

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Q: I didn't access a communication; I just used your bank account number for a transfer.

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Personal financial information is accessed or used without the account holder's consent.

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The Situation

What They Said

“I used your banking details — I had access to them. I will pay it back.”

A family member, partner, or colleague uses another person's bank account details or financial information without consent — whether for a transaction, a loan, or unauthorised access.

The Fallacy

Access as Implied Permission

Knowing someone's bank details — because they were shared for a previous purpose or simply discoverable — is not permission to use them. Access and authorisation are not the same thing. Using another person's financial details without explicit consent is both a civil and criminal matter, regardless of the intent to repay. The promise to repay does not retroactively authorise the use.

What the Law Says

Your Legal Foundation

Código Penal

art. 153 del Código Penal — Unauthorized access to data

“He shall be punished with imprisonment from fifteen (15) days to six (6) months who improperly opens or accesses an electronic communication, a letter, a sealed document, a telegraphic, telephone or other dispatch, not addressed to him; or improperly takes possession of an electronic communication, a letter, a document, a dispatch or other private paper, even if not closed; or improperly suppresses or diverts from its destination a correspondence or an electronic communication not addressed to him.”

Using another person's banking details without consent likely constitutes improper access to or taking possession of private information, which is covered by this article. Even if the person intends to pay back, the unauthorized access itself is a crime.

What Scripture Says

God's Word on This

Exodus 22:1 (NET)

“If a man steals an ox or a sheep and slaughters it or sells it, he must pay back five oxen for the ox and four sheep for the sheep.”

Scripture takes the unlawful use of another's property with utmost seriousness. The value of restitution in biblical law was not just repayment — it was multiple times repayment, because the violation of trust was treated as a serious moral harm.

Luke 19:8 (NET)

“But Zacchaeus stopped and said to the Lord, 'Look, Lord, half of my possessions I will give to the poor, and if I have cheated anyone of anything, I will pay back four times as much.'”

Genuine repentance for financial wrong includes more than promising to repay the exact amount. The biblical standard is justice — not just restoration to neutral.

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What They'll Say Next

Common Counter-Arguments

After you respond, they may push back with these arguments. Members get the full rebuttal for each.

They might say: “I had permission to use the account because we are family.”

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They might say: “I didn't access a communication; I just used your bank account number for a transfer.”

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