Talk:ATM card

Untitled

introduction of ATM card

Some factual problems

"Unlike a debit card, an ATM card can only be used for transactions in person (and not by telephone, fax or internet), as it requires authentication through a personal identification number or PIN. In other words, it cannot be used at merchants that only accept credit cards."

Why would this kind of card not be accepted by merchants "that only accept credit cards"? If a merchant accepts card identification with a PIN number, this kind of card would work. If a merchant doesn't accept cards with a PIN number, this kind of card wouldn't work. But both credit and debit cards may be used for both PIN-based and signature-based transactions.

"In countries that don't have proper debit cards, such as Canada, an ATM card is also known as a "debit card"."

Define "proper debit cards". If a card can be used for purchases in a shop, then by definition it is a debit card, regardless of what card protocol it uses. (Stefan2 22:25, 5 June 2007 (UTC)

Wow! The bias in that excerpt is almost hilarious, and actually quite strange when you think about it. Canada's system combines the two functions of the ATM card and Debit card. It's much simpler really. If anything wouldn't this method be superior? Not starting an argument or anything, but I find just find it strange and amusing that people would view the Canadian system as inferior and "not proper". --209.148.153.157 (talk) 06:02, 21 July 2008 (UTC)

Your new description of ATM card in Canada or Europe is well-written! AirOdyssey (Talk) 14:12, 21 July 2008 (UTC)

Factual problems (cont)

Well its talking about ATM cards, meaning these cards do not have a Visa or Mastercard logo (as most "debit cards" issued by US-based banks do).

I find this to be incorrect. "an ATM card can only be used for transactions in person " I've used my ATM cards issued both by American Express bank and bank of America to pay bills online. — Preceding unsigned comment added by 64.238.172.212 (talk)

The paragraph wasn't 100% incorrect, it just wasn't specific enough. I made some changes to reflect the fact that while purchases can only be made in person with an ATM card, bill payments can be made online. AirOdyssey (Talk) 01:19, 19 April 2008 (UTC)

Please let's not start the argument about semantics. Can an ATM card be used without a PIN? Yes it can. Therefore "an ATM card can only be used for transactions in person" (assume the "in person" part means you must be in person to enter the PIN) is incorrect (I don't know where "100% incorrect" came from) meaning its not correct. That's it. I don't know if you wrote the original text or a black man or an asian woman and I really don't care. I think you are taking my last statement a little too seriously. Here's an interesting article, however: http://www.greensheet.com/PriorIssues-/040402-/5.htm FWIW And I 100% agree with your edits, thank you. 64.238.172.212 (talk) —Preceding comment was added at 23:53, 24 April 2008 (UTC)

An "ATM card" would be a card designated for use with cash machines, right? Banks in many European countries (e.g. SE, DK, NO, FR) issue normal VISA and MasterCard cards for customers wanting to use cash machines. Apart from using them in cash machines, they can also use the cards in any shop where such cards are accepted, regardless of how verification is made (signature, PIN code, no verification) or how the transaction is conducted (online, offline, in person, not in person etc.). (212.247.11.156 (talk) 21:45, 19 August 2008 (UTC))

Merge ATM card into Debit card

See Talk:Debit card#Merge. —Preceding unsigned comment added by 212.247.11.156 (talk) 11:31, 14 September 2008 (UTC)

There seems to be confusion over the definition of an ATM Card. A true ATM Card can only be used to withdraw cash at an ATM and can not be used to make purchases. The purpose of such a card is to offer a customer instant access to their money through an ATM network, but without the possibility of withdrawing (or spending) more than they have. It is commonly used for Savings Accounts, or where an overdraft is unavailable. Whereas a Debit (or Credit) Card can be referred to as an ATM Card, as it allows the use of ATMs to withdraw cash, really it has more functions than a pure ATM card. For this reason I recommend not merging the definitions of ATM Card and Debit Card, as the two perform different functions, albeit one is a subset of the other. —Preceding unsigned comment added by 82.33.210.82 (talk) 13:42, 19 January 2009 (UTC)

Just because a card can be used at an ATM does not make it an ATM card. Realize that many cards can be used due to network agreements. This section should be about cards that are specified as ATM cards by the issuing bank. ATM cards can be used for some online and phone payments, if the reveiving company has a compatible payment system. The ATM card must also be compatible with the networks supported by the ATM being used. Merging these sections would be a disservice.

I oppose a merge too. Debit cards can often be used on ATM networks but in the United States ATM cards and debit cards are distinct categories. This looks like consensus, so I'm removing the merge tag. Pnm (talk) 14:07, 26 May 2010 (UTC)

atm card 2409:4055:4E0D:DD1:0:0:4649:7E0C (talk) 11:46, 1 March 2024 (UTC)

69133306 2400:C600:346E:D1DE:1:0:F5AC:B617 (talk) 10:59, 2 March 2024 (UTC)

Contradiction

ATM card says that an ATM card may be used in both shops and cash machines.

Bank card says that an ATM card exclusively may be used in cash machines. (212.247.11.156 (talk) 11:34, 14 September 2008 (UTC))

Fixed. AirOdyssey (Talk) 14:33, 14 September 2008 (UTC)

ATM card and Debit card

I'm adding this section to both these articles. I live in Canada, and after looking over these articles, I can state with certainty that everyone I've ever met here in Canada refers to ATM cards (which can be used both at ATMs and POS) as debit cards (which from what I understand can only be used at POS), and I personally have never heard the term ATM card before I got refered by this article.

I recently had trouble paying for something when the retailer (in Australia) told me they accepted "debit," and then when I went to pay with my "ATM Card" (what we here call "debit") I was told that they only accepted "debit" cards issued by MasterCard, Visa, and AMEX. Here, all of these companies only issue what we call "credit cards." It was this incident that got me to look into this.

The "Canada" section on Debit card is semi-informative, but perhaps there is reason to add a section to both articles regarding confusion between the two? Mnmazur (talk) 02:26, 28 May 2009 (UTC)

In case anyone else bothers reading these comments :)- Wikipedia already clarifies this but MasterCard Visa etc offer both credit and debit cards. Debit cards take the funds from your bank account immediately whereas credit cards hold the debt for a month or whatever then charge interest if the debt's not fully paid. They also may charge membership fees. Debit cards allow cash withdrawals at ATMs etc whereas credit cards may not and often charge for the privilege.

Oh just a thought, I tried paying via debit card in NZ recently and errored out. Turns out I had to use the credit option instead of savings for my debit card while overseas. Maybe that's what Mnmazur did wrong? 118.208.74.99 (talk) —Preceding undated comment added 02:08, 29 January 2012 (UTC).

1182087499 Bakdanso24 (talk) 18:30, 24 March 2019 (UTC)

I have an account in uba bank can I using with it Kabiru habibu abubakar (talk) 01:22, 23 April 2021 (UTC)

Undirect from Cash Card?

I was looking up cash cards (travel passports etc) and thought to look on Wikipedia. Imagine my surprise when I ended up here! Why this antiquated thing is the default I've no idea, does anyone still offer ATM cards? I had a bank card before my debit card but it wasn't limited to ATM's but a substitute for the old bank books.

As regards cash cards, is there anything on Wikipedia about them? I can't find it anyhow and it's something that really should be mentioned since they're a few years old! 118.208.74.99 (talk) —Preceding undated comment added 01:47, 29 January 2012 (UTC).

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Amin 2400:C600:346E:D1DE:1:0:F5AC:B617 (talk) 11:00, 2 March 2024 (UTC)