Debit Card

Unlike credit cards, which provide you with short-term loans when you make purchases or get cash advances, debit cards let you make payments and withdrawals directly from your own money held in a bank account (typically a checking account).

Debit cards, such as those that use the Maestro and Postfinance payment networks, normally combine the functions of checking cards (used to settle payments at point of sale terminals) and ATM cards (used to access automated teller machines).

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Benjamin Manz is CEO of moneyland.ch and an independent expert on banking and finance.