debit card

A debit card is a payment tool linked directly to your bank account. When you use it to buy something or withdraw cash, the money is deducted immediately from your account balance. It allows easy access to your funds both in stores and online without carrying cash. Debit cards often require a PIN for security. They are convenient for managing everyday expenses, helping you avoid debt since you're spending your own money. Unlike credit cards, debit cards don’t offer a line of credit—they only allow you to spend what you have in your account.