Bank card
Bank cards (also: service cards ) are included in the payment account-linked plastic cards provided by a bank or a financial services institution issued are exclusively of cash or cash deposit serve.
General
These pure bank cards without a payment function cannot be used for cashless payment transactions and are therefore not payment cards . They are rare today, because the most common debit cards are used in cashless payment transactions as a means of payment for payments to dealers or sellers . In 2011 there were only 2.1 million bank cards without a payment function among the 132.7 million payment cards in Germany. As with all payment cards, their format corresponds to the size of the identity card ( ISO 7810 ).
function
As account-based payment cards without a payment function, bank cards can only be used for cash payments or cash deposits and also for the bank statement printer . The cash function can be fulfilled at the ATM or at the bank counter . The early version of the US ATM card (abbreviation for: "Automatic Teller Machine") could only be used at ATMs.
The bank card is used at the ATM by using the PIN , at the bank counter of the account-keeping bank in conjunction with PIN, ID card or signature .
Individual evidence
- ↑ Volker Tolkmitt, Neue Bankbetriebslehre , 2004, p. 112
- ↑ Deutsche Bundesbank , Payments and Securities Settlement Statistics in Germany , 2012, p. 6
- ↑ Doris Wohlschlägl-Aschberger (Ed.), Money laundering prevention: Law, Products, Industries , 2018, o. P.
- ↑ Werner Pepels, Gabler Lexikon Vertrieb und Handel , 1998, p. 16