Debit cards are actually bank cards, and savings cards can also be said to be bank cards, but in terms of functions, debit cards have more functions, because debit cards include savings cards. Debit card refers to the bank card issued by the issuing bank to the cardholder without credit limit, and the cardholder deposits first and then uses it. Savings card is a kind of financial transaction card issued by the bank to provide financial services for depositors, which belongs to a kind of debit card.

Debit cards are divided into transfer cards, special cards and stored value cards according to different functions. Debit cards cannot be overdrawn. There are two kinds of savings cards: magnetic stripe and chip. The main function of the savings card is to deposit and withdraw money at networked ATMs and bank counters, and spend it at networked POS machines.

Debit cards are more widely used than savings cards. Debit cards can be used not only in supermarkets and other places, but also through ATM machines to transfer money and withdraw cash. The functions of the savings card generally only include deposit and withdrawal, transfer, remittance and other business contents.

Savings cards do not support the purchase of financial products such as stocks, and they cannot conduct financial transactions, but debit cards can. The salary cards we handle in the bank are generally savings cards.