Is the online access only registered in her name? If so thats the reason. Online banking works off the individual, not the account. So for example if you set it up for youself and had various accounts in your name and one joint account you could see all of these accounts. Even if you only have one joint account technically you should still set up individual access for each of you. Its a violation of the terms and conditions to allow someone else to use your online loggin details. True, nobody really cares, especially if its a joint account, but that is probably why you are having that situation. If you set up your own access then you would get your own loggin details and card reader and could therefore make payments without the need for your wifes card. Of course if you already have 2 different sets of login details, one for each of you then it is obviously a system fault which should be raised with the bank. Whether they will do anything about it is another matter.