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Debit cards are issued by banks which you can use anywhere in your country or you can do online shopping. The only difference is that the debit card is does not advance you any credit. In fact, using a debit card is very similar to writing a check without the paper. Any amount you spend is deducted directly from your checking account almost immediately, depending on how the transaction is actually processed. This is not a bill to pay at the end of the month.

Direct debit card needs a personal identification number or PIN-code to work. You can use the card in a terminal or Automated Teller Machine (ATM), to withdraw cash.