Questions tagged [debit-card]
This tag is to be used for any question related to debit cards. If the question is specific on legality, it should be accompanied by a country tag. In case the debit card is being issued in one country and used in another, the question should indicate this clearly and/or use multiple country tags.
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Will you be charged any NSF fee for a declined online Debit MasterCard or Visa Debit transaction in Canada?
You open a chequing account with a Canadian bank: e.g. Simplii Financial or another bank. They ask if you want overdraft protection; you say "no thank you". They give you a Debit ...
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What personal information does North Lane have when providing a prepaid card for a Verizon refund?
Verizon sent me a refund in the form of a prepaid MasterCard/Debit card administered by North Lane. What personal information was provided to North Lane by Verizon to have this card sent? Is it some ...
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Is a Visa Debit card handled like a Girocard in Germany?
Until recently, in Germany, Visa/Mastercard Debit cards were almost nonexistent. Bank accounts came with a Girocard with the Maestro system, and some people would additional have a creditcard from ...
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Can Visa, Mastercard... credit/debit cards be used to receive online payments?
If I open an online store and allow my buyers to pay by card, can I receive those payments on my own international credit/debit cards? Or are those cards only for spending?
If this is possible, what ...
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Why is my debit card still paying bills after the bank account has closed?
This is a weird situation:
I used to have an account at Bank A. Then my balance at Bank A was very low (like a few hundred dollars) and I was not using it to receive paychecks. At some point Bank A ...
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If you get a new Debit card can you still be charged for recurring subscriptions?
I had a recurring Microsoft Office subscription of $123.17 CAD per year, but forgot the account associated with it. I contacted TD to lock my TD Access Card permanently and get a replacement card. But ...
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How do I spend this prepaid debt mastercard with one cent on it?
AT&T decided they owed me money after changing cell phone providers. They sent me a prepaid debt mastercard for what they felt they owed me in the amount of one cent. How can I spend this? I ...
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Why are foreign transaction fees with debit cards often higher than foreign transaction fees with credit cards? [closed]
I read in this answer by Sneftel:
Debit card foreign transaction fees are often higher than credit card fees.
I've noticed that too with cards issued in the US. Why are foreign transaction fees with ...
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Is currency conversion and foreign transaction fee inevitable when purchasing a service from a country different from a credit card company?
I purchased plane tickets at Kuwait Airways website, for a trip originated from US with a transition/overlay at Kuwait, by using Fidelity Rewards Credit Card, a credit card issued in US.
My credit ...
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Did MasterCard change the shape of their cards? Or is the shape chosen by the bank?
I read on npr.org that:
Credit cards have a round notch; debit cards have a broad, square notch; and prepaid cards have a triangular notch, the company said.
However, my Wise debit card (MasterCard) ...
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How can I get the same protection shopping with a credit card, without using a credit card?
Following the advice of Dave Ramsey, I'm getting rid of my credit cards. The problem is, the alternatives don't seem safe. There are people who stand around the cash machines watching people take out ...
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Does debit card fraud indicate that I did something wrong?
I'm quite careful with my debit card; I don't enter it on non-trustworthy sites. I just had a fraudulent transaction, so I'll need to get a new card. When I get the new card, do I need to be more ...
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Social implications of using a prepaid card only instead of a bank card?
Many times one is asked to give an account transaction list in pdf (what are they called??) Perhaps when buying a house or starting a new job. I'd like to use a prepaid card account that accepts wire ...
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Why are reserved amounts necessary when using debit cards?
When purchasing using a debit card the almost universal process is for the bank to reserve the needed amount first and only later the actual money will be deducted from your account, later can be ...
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When I'm paying by contactless card, is the cashier obliged to show me the terminal screen?
When I'm paying by contactless debit card, I want to be sure that the cashier didn't make a mistake when inputting the amount to be paid in the terminal. Thus, I almost always ask them to show me the ...
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Why would a credit card company reject a transaction for suspected fraud, but not contact me?
My bank offers a debit card, which I can use to perform online purchases. Recently, I tried to purchase clothing online, but the card was declined. I was certain that I had enough funds on the card, ...
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Are online purchases using PayPal safer than using a debit card?
I have a PayPal account that is linked to my Mastercard debit card, which is linked to my bank account. I usually make online payments using PayPal instead of directly using the debit card. PayPal ...
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Credit card vs debit card for car rent
I want to rent a car in Europe and one of the requirement is to have credit card where they will block some deposit. It's higlighted that it should be credit card not debit.
I have only debit card and ...
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Does a Debit/ATM card contain the name of the account owner?
Does a bank or ATM have access to the identity of the person withdrawing cash through a Debit/ATM card issued by another bank as part of the transaction ?
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Does a payment receiver get a full name of a cardholder when I pay with a credit card?
What information about a cardholder does a payment receiver get when paid with credit card via direct transfer. Examples: Spotify, Netflix, etc... How's all buying digital goods process released?
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How to make sure that online/ATM/POS card payments always use one currency?
Anonymous payments through Paypal, ATMs, POS machines constantly offer me alternative currencies for my MasterCard or VISA. For example, Paypal will just bill me in the alternative currency even if I ...
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Is there a way to bypass POS Credit Card processing fees?
Summary: If you have a shop and you accept Credit/Debit cards like Visa, Mastercard, Maestro, American Express, etc., you have to pay a fee. Is there any way to keep accepting those cards without ...
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How does the rental company charge an empty debit/credit card with €0 credit limit? (Transferwise)
Can anyone help me to figure out which way a rental company uses to bypass the credit/debit card limits up to several thousand of euros.
It happened the first time around 5 days after returning a ...
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What sort of pen is best suited to sign the back of a credit/debit card?
I have 3 payment cards: 2 debit cards with different banks to spread risks, and 1 credit card. I have been using them all for months if not years by now at various places both offline and online ...
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Someone tries to use cancelled card
In the UK, a debit card is stolen and the card's owner cancels the card. The thief tries to use the card for a contactless payment, but it is declined.
Would the bank have a record of this?
Would ...
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Why do VISA "Electron" and Master Card "Maestro" cards have special limitations in when they technically work?
Translated by me to English from Swedish, from VikingLine.se:
We welcome payments onboard with the following cards:
American Express, Diners Club, Eurocard, Finnish bank cards, Master Card, VISA.
...
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Money deducted for pre authorization hold
I was in a hotel recently and they did a pre-authorization hold on the debit card.
It was initially shown as real charge in my banking app, the hotel staff told me to not worry it's just a pre ...
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Is it safe to use my debit card for autopay/online shopping?
I have a prepaid AT&T mobile number and want to use it's autopay option. But as I read and heard bad things about using debit card in online shopping, I don't know can I use my debit card or not? (...
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Is it safe to have a debit card and credit card on the same bank?
In the scenario of a dispute with a charge on your credit card, if worse comes to worse - can the bank pull funds from your debit card? (In the case of US and Philippine banks). Asking this because I ...
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Best way to trace possible root cause of card fraud?
I recently had a fraudulent transaction on my debit card (in the UK, where I am based). Having blocked the card, my main concern is to determine how much information has been stolen and how?
As this ...
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Why do some banks charge a fee for a low account balance?
I'm learning in economics that if your balance gets too low, you have to pay a fee. Why is this? Is it to help support the bank, or as a punishment? Or is it both?
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Can someone clear your bank account if they have your name, expiry date, and 16 digit card number but don't have the CVC?
As the title says, I am wondering if someone finds out the details on the front of your card can they commit online fraud with it or is the CVC and OTP providing enough security.
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is it easier to rent a car with a secured credit card over a debit card?
I've been denied car rentals using debit cards in the past, even with thousands of dollars on the card.
I'm going to Hawaii as well as Tennessee this year, and will need a car. Would my odds increase ...
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What would most likely happen if you owed money to a business upon completion of a service but realised that you don't have a way to pay?
I came pretty near this situation, but luckily I had an extra debit card (although I would've preferred to use my credit card).
I was at a vet to prepare my pet for a surgical procedure, and they ...
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Do card bonuses lead to increased discretionary spending compared to more basic cards?
Some credit cards offer bonuses on spending in particular categories, such as cashback bonuses or "free" upgrades. These credit cards tend to come with an annual fee. A consumer may ...
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How should I handle money returned for a product that I did not return?
I purchased a laptop online through the official website, my card was charged immediately after I made payment. The item arrived around two weeks after that.
I checked my banking app and discovered ...
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Should I use a Apple Card or any credit card recommendations? [closed]
I heard about a Apple card, which has no fees about of any kind. But however, I just want just a plain simple credit card that I can just buy it now and pay the next day or two. Simple as that. Not ...
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Using Indian debit cards in Nepal
Can I use my Indian debit cards in Nepal to withdraw cash from ATMs? In particular, I have an AXIS bank debit card. Can I use it freely for making payments as well as for withdrawing cash from ATMs in ...
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Tour operator asks for undue money
Some time ago I purchased a trip from a leading tour operator in Germany (I’m resident of a close-by country).
They asked me to provide them with a credit/debit card details so they can collect €1000 ...
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I have two debit cards for same account with different limits can I use two cards for maximum withdrawal?
I got State Bank of India Classic debit card with a daily ATM transaction limit of 20,000 INR per Day, and also got State Bank of India International Visa card with Daily ATM limit of Transaction 40,...
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A man asked for my username, password, account number and routing number. Do I need to be worried? [closed]
A man wants to transfer money to my Green Dot debit card. He asked for my username, password, account number and routing number. However, there is no money in the account. Should I still be worried?
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Does a physical POS terminal expose my full bank card number to the merchant?
In theory, POS terminal communicates directly with the acquiring bank and has no need to tell the merchant my bank card number, cardholder name or any other details. The paper receipt I get contains ...
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Can you credit a card (e.g. prepaid gift or debit) that blacklists certain companies?
Various business, social and political groups want to boycott companies, but the list of companies they’re boycotting can become large (hard to remember), and breaking their own boycott can also be ...
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Reason for a 1p pre-authorisation charge for a car park
Pretty much what the title says.
I understand the need use for a pre-authorisation charge for certain services where a service or product is given before it is actually paid for (some hotels where you ...
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What type of payment processing withdraws money from bank account whether the account has the funds or not?
Im trying to understand the terminology involved in this process. The situation im referring to is this:
Some companies will charge cards, and take the money out of the account, whether your account ...
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Email asking for CVV, two days after I make a purchase?
Two nights ago I made a purchase from a website, and it didn’t ask for my CVV. Now, I woke up to an email asking for it. It hasn’t gone through my account yet. Is this as shady as I’m making it out to ...
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Detected fraudulent charges to my account but I cannot close the card until another payment goes through
Today I detected two charges to my card, both on the same day. I called my bank (chase) but the only solution offered was to block and close the card. However, I am currently doing some processes ...
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Can I reverse a payment and re-pay with a different debit/credit card?
Generally speaking regarding most major merchants.
I accidentally paid for something at a grocery store using a card I did not intend to use.
Would it be reasonable to return to the store with the ...
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Refund to Different Payment Card in UK
I'm in the UK. I bought something online from Debenhams, and want to return it -- it is within the return period; no problems there. However, I no longer use the card that it was bought on.
Is the ...
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Can you charge a customer $20 by debit and give them a $20 bill instead of having a debit machine that can do cashback? [closed]
If a customer wants cash to use our services but only has their debit card on them are you allowed to charge them $20 And give them a $20 bill back? Why do we specifically have to have a cash back ...
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