Debit cards are generally issued when a transaction account is opened. They enable users to withdraw cash at ATMs, make payments at points of sale and purchases on the Internet. Users of debit cards may make purchases up to the amount available in their accounts, which may be increased by any amounts available under an overdraft facility. When executing transactions one has to consider security issues to reduce the risk of abuse. This means that we have to observe issuers' recommendations on keeping our PINs (identification numbers) in a safe place, separately from the card, not disclosing information when purchasing on the Internet unless in a safe environment, not leaving your card out of sight when making payments at points of sale, etc.
For more information on payment accounts, click here.