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Withdrawal card or credit card: what differences?

Verified 09 October 2020 - Directorate for Legal and Administrative Information (Prime Minister)

The drawcard allows you to withdraw money from your bank's cash machines. You cannot make a payment with this card. It is usually free.

The credit card allows you to withdraw money in ATMs in all banks. It also allows you to make payments at retailers or at a distance (telephone and internet). The credit card can be debited immediately, i.e. the amount of the purchases is taken immediately from your account. It can also be deferred debit, that is, the total amount of purchases made in the month is taken from your account in a single, fixed-date manner.

A credit card is usually charged. The rates depend on the account agreement..


management fees may be charged by your bank if you withdraw money from other banks.