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One physical card can include the functions of all three types, so that it can be used in a number of different circumstances.Although the four largest bank card issuers (American Express, Discover Card, Master Card, and Visa) all offer debit cards, there are many other types of debit card, each accepted only within a particular country or region, for example Switch (now: Maestro) and Solo in the United Kingdom, Interac in Canada, Carte Bleue in France, EC electronic cash (formerly Eurocheque) in Germany, Union Pay in China, Ru Pay in India and EFTPOS cards in Australia and New Zealand.Offline debit cards have the logos of major credit cards (for example, Visa or Master Card) or major debit cards (for example, Maestro in the United Kingdom and other countries, but not the United States) and are used at the point of sale like a credit card (with payer's signature).This type of debit card may be subject to a daily limit, and/or a maximum limit equal to the current/checking account balance from which it draws funds.The transaction may be additionally secured with the personal identification number (PIN) authentication system; some online cards require such authentication for every transaction, essentially becoming enhanced automatic teller machine (ATM) cards.

The development of debit cards, unlike credit cards and charge cards, has generally been country specific resulting in a number of different systems around the world, which were often incompatible.These prepaid card companies offer a number of benefits, such as money remittance services, card-to-card transfers, and the ability to apply without a social security number.In 2009 a company called PEX Card launched a corporate expense card service aimed at business users.The use of a debit card system allows operators to package their product more effectively while monitoring customer spending.

Online debit cards require electronic authorization of every transaction and the debits are reflected in the user’s account immediately.

Some cards may carry a stored value with which a payment is made, while most relay a message to the cardholder's bank to withdraw funds from a payer's designated bank account.