Bankkártyák

Bankkártyák, often referred to as debit cards, are payment instruments issued by banks that allow cardholders to make purchases using funds directly from their linked bank account. When a bankkártya is used for a transaction, the amount is deducted almost immediately from the available balance in the associated checking or savings account. This makes them a convenient alternative to carrying cash and a way to manage spending by limiting expenditures to the funds actually held in the account.

Bankkártyák typically feature a magnetic stripe and a chip for security, and they display the cardholder's name, account number, expiration date, and a security code (CVV). They can be used at most retail locations that accept card payments, as well as for online purchases and ATM withdrawals. The widespread acceptance of major card networks like Visa and Mastercard ensures that bankkártyák are usable globally.

Unlike credit cards, bankkártyák do not allow users to borrow money. Any transaction made with a bankkártya draws directly from pre-existing funds. This feature helps prevent debt accumulation and can be a useful tool for budgeting and financial discipline. Banks usually provide statements detailing all transactions made with the card, allowing users to track their spending and monitor account activity.