Withdrawal card or credit card: what differences?
Verified 08 August 2022 - Directorate for Legal and Administrative Information (Prime Minister)
The withdrawal card allows you to withdraw money from your bank's cash machines. You can't make a payment with this card. It is usually free.
The credit card allows you to withdraw money from ATMs in all banks. It also allows you to make payments at the merchants or remotely (telephone and internet). The credit card can be debited immediately, i.e. the amount of the purchases is immediately charged to your account. It can also be a deferred debit, meaning that the total amount of purchases made in the month is charged to your account at one time and on a fixed date.
The credit card is usually charged. The rates depend on the account agreement.
a management fee may be charged by your bank if you withdraw money from other banks.
Who can help me?
Find who can answer your questions in your region
- Monetary and Financial Code: Article D312-5List of basic banking services
- Issuance, renewal and withdrawal of a credit cardService-Public.fr
- Payment by credit cardService-Public.fr
- Credit card fraudService-Public.fr
- Using a credit cardSupervisory and Resolution Authority (ACPR)
- Credit card fraud: what precautions to take and how to react?Supervisory and Resolution Authority (ACPR)
- Withdrawal cardFinance for All