Until recently, non-cash payments were available only to organizations that carry out such transactions through bank accounts.But then to become part of the life of the plastic card, which gave citizens the right not to carry cash while freely buy goods and pay for services.
Now there are two kinds of bank cards: credit and debit.Here we try to explain what a debit card.
essence debit card
In appearance it is very difficult to understand what function is assigned to this piece of plastic.The information here is contained in the card number and special codes, deciphering of which is for a simple user great difficulties.And so - the system is the same as usual.Most often, a VISA or MASTERCARD logo plus the bank that issued it.
understand what a debit card is easier if you imagine a kind of electronic wallet, which receives funds from various sources.Moreover, the interest for the use of money a financial institution will not charge.Some banks have tried to entice new users, making maps of the deposit, but it's more spread this practice has not been - have software difficulties.
What transactions can be carried out with the help
The rest of the debit card provides the same features as the current account of legal persons.Let's start with the fact that at the time when the registration of a credit card produced , your account is opened.You can then perform the following operations:
- to put money on the card account;
- shoot them within the daily limit determined by the Bank;
- conduct cashless payment of goods in retail outlets equipped with POS-terminals;
- pay for the services of different organizations (public utilities and so on.) From fixed terminals;
- conduct cashless payment for goods and services on the Internet;
- receive statements on ongoing operations and balances and so on.
Moreover, the question of what a debit card more often defined and individual entrepreneurs . tax authorities have already drawn attention to the need for freelancers registering their card accounts in inspections.And more and be more severe.
Still, most debit cards Sberbank used for easy cash withdrawal.Therefore, most acquire such a card to obtain money from their employers.Most companies generally passed for payment of remuneration for work by transferring the card.And as such, they often use debit cards Sberbank.After all, this institution is the most common ATM network.
Features such cards
The debit card types of users attracted by the fact that the holder has almost no liabilities to banks.Once a year, the cost of maintenance is automatically deducted from the account - that's all.A citizen can only replenish their capital in a timely manner.Interestingly, in the form of a credit transfer it is impossible - it is necessary to enter into a separate agreement.
debit card can be controlled remotely via online services or mobile communications.Cash, of course, this does not work, but to make payments or to get information about the movements of the account - easily.
Initially card currency is determined by agreement, but if necessary it is possible to convert, which is especially important abroad.The only problem - the high commission in exchange.However, from the extra spending will deliver individually decorated debit card with the right currency.It usually comes seasoned travelers.
We hope that we were able to explain to you what a debit card.The general opinion - this is a very convenient and useful payment tool.The most important thing - it eliminates the difficulties associated with cash.
