bankkártyával

Bankkártyával is the Hungarian term for a bank card. It is a plastic payment card issued by a financial institution, typically a bank, that allows a cardholder to access their funds for transactions. Bankkártyával can be used to make purchases at point-of-sale terminals in physical stores, online through e-commerce websites, and to withdraw cash from automated teller machines (ATMs).

There are two primary types of bank cards: debit cards and credit cards. A debit card, often referred to as a "bankkártyával" in its most common usage, is directly linked to the cardholder's bank account. When a purchase is made with a debit card, the funds are immediately deducted from the available balance in that account. If there are insufficient funds, the transaction may be declined, or the cardholder might incur overdraft fees depending on their bank's policies.

Credit cards, while also bank-issued plastic cards, operate differently. They allow the cardholder to borrow money from the bank up to a predetermined credit limit. Purchases made with a credit card are not immediately deducted from a bank account but are instead added to a balance that must be repaid later, usually with interest if not paid in full by the due date. In Hungary, both debit and credit cards are commonly referred to as bankkártyával in general conversation, though the distinction is understood in financial contexts. The usage of bankkártyával has become widespread in modern commerce, offering convenience and a cashless alternative for many transactions.