debitkártyák

A debitkártya, or debit card, is a payment card that allows you to make purchases or withdraw cash using funds directly from your checking account. Unlike credit cards, which allow you to borrow money, a debit card draws money that you already possess. When you use a debit card, the transaction is typically processed immediately, and the amount is deducted from your available balance.

Debit cards are widely accepted by merchants worldwide and can be used for both online and in-person transactions. They are often linked to major payment networks such as Visa, Mastercard, or Maestro, which facilitates their broad acceptance. To use a debit card, you usually need to enter a personal identification number (PIN) for security, or sign for the transaction, depending on the merchant and the amount.

Using a debit card can be a convenient way to manage your money and avoid accumulating debt, as you can only spend what you have in your account. Many banks offer debit cards as a standard feature with their checking accounts. It's important to monitor your account balance regularly to ensure you do not overdraw your account, which can result in fees. In some cases, debit card transactions may offer some level of fraud protection, similar to credit cards, depending on the issuing bank and the payment network.