6 ms·

The cards have Visa or Mastercard on them but can fall back to use the debit card network by asking you which account to pay with. The merchant can also disabl

The cards have Visa or Mastercard on them but can fall back to use the debit card network by asking you which account to pay with. The merchant can also disable you from selecting 'credit' while paying to force it to use the debit network. Its also like this in Australia. Very few banks still issue debit only cards (Switch/Maestro), they do if you ask for them, but they mostly only work at the ATM.

Doctor_Fegg 10y ago
> asking you which account to pay with This never happens in the UK. It confuses the heck out of me in countries where it does (e.g. New Zealand).
- germanier 10y ago
  Since last Thursday they are legally required to ask you but if it's anything like Germany most merchants don't care.
  - lucaspiller 10y ago
    When I use my card outside the UK in a country where this is the norm (e.g. Italy) I am asked to choose the 'circuit' before paying, but the only choice I am given is "VISA DEBIT" - this is on ATMs and Chip&PIN machines. I don't think any UK banks have their own payment network. The cards you get to access the account directly are debit cards (usually Visa Debit or Maestro), some (i.e. children accounts) give you a 'cash card' which only works at that bank's ATMs.
- philliphaydon 10y ago
  In NZ if you just type your pin it selects the default account which is your every day banking account. Same thing in Singapore. Never need to select credit in NZ / Aus / SG. Unless you specifically want to use credit.
- andersonvieira 10y ago
  In Brazil, you can enable the same card you use to manage your bank account and withdraw cash as a Visa/Mastercard credit card. So every time you make a purchase you get a prompt like this 1. CREDITO 2. DEBITO where you choose if you want to pay with credit or debit. Last year I went to the UK on vacation. While paying my bills I noticed most people wouldn't know what to do when prompted. They would look confused and just hand me the card machine and let me handle it.
  - kornholi 10y ago
    A good amount of places also ask this in the US.

Doctor_Fegg 10y ago

> asking you which account to pay with This never happens in the UK. It confuses the heck out of me in countries where it does (e.g. New Zealand).

germanier 10y ago
Since last Thursday they are legally required to ask you but if it's anything like Germany most merchants don't care.
- lucaspiller 10y ago
  When I use my card outside the UK in a country where this is the norm (e.g. Italy) I am asked to choose the 'circuit' before paying, but the only choice I am given is "VISA DEBIT" - this is on ATMs and Chip&PIN machines. I don't think any UK banks have their own payment network. The cards you get to access the account directly are debit cards (usually Visa Debit or Maestro), some (i.e. children accounts) give you a 'cash card' which only works at that bank's ATMs.
philliphaydon 10y ago
In NZ if you just type your pin it selects the default account which is your every day banking account. Same thing in Singapore. Never need to select credit in NZ / Aus / SG. Unless you specifically want to use credit.
andersonvieira 10y ago
In Brazil, you can enable the same card you use to manage your bank account and withdraw cash as a Visa/Mastercard credit card. So every time you make a purchase you get a prompt like this 1. CREDITO 2. DEBITO where you choose if you want to pay with credit or debit. Last year I went to the UK on vacation. While paying my bills I noticed most people wouldn't know what to do when prompted. They would look confused and just hand me the card machine and let me handle it.
- kornholi 10y ago
  A good amount of places also ask this in the US.