Debit Card

A debit card lets the holder withdraw cash from ATMs, pay at POS terminals and, if enabled, pay online, using money already in the linked account. Because there is no credit line, the customer cannot normally spend more than the available balance.

Cards are issued by banks under a card scheme such as Visa, Mastercard, UnionPay or a domestic scheme such as NEPALPAY Card, and transactions are routed through card switches. Security features include an EMV chip, PIN, CVV for online use, OTP verification and SMS alerts. Contactless (NFC) debit cards allow tap-and-pay for small amounts.

Debit cards in Nepal are commonly called ATM cards. Banks set daily withdrawal and purchase limits within NRB directives and charge annual fees. Domestic debit cards are generally valid only for domestic use unless the bank enables international use within foreign exchange rules, for example for cards linked to foreign currency or dollar accounts.

The key difference from a credit card is that a debit card spends the customer's own money, while a credit card spends money borrowed from the issuer.

NRB caps cash withdrawal with a bank-issued debit card at Rs 20,000 per transaction, Rs 50,000 per day and Rs 3 lakh per month. Paying a merchant's bill by card is not limited by these caps. A bank may charge at most Rs 15 per transaction when its card is used at another bank's ATM in Nepal.

डेबिट कार्डबाट खातामा भएको रकम प्रयोग गरी एटिएमबाट नगद निकाल्न, POS मा भुक्तानी गर्न र अनलाइन भुक्तानी गर्न सकिन्छ। कर्जा सीमा नहुने भएकाले सामान्यतया मौज्दातभन्दा बढी खर्च गर्न सकिँदैन।

कार्ड भिसा, मास्टरकार्ड, युनियनपे वा स्वदेशी NEPALPAY Card जस्ता स्किमअन्तर्गत बैंकले जारी गर्छ। सुरक्षा: EMV चिप, PIN, CVV, OTP र SMS सूचना। कन्ट्याक्टलेस (NFC) कार्डबाट ट्याप गरेर भुक्तानी गर्न सकिन्छ।

नेपालमा डेबिट कार्डलाई सामान्यतया एटिएम कार्ड भनिन्छ। दैनिक निकासी र खरिद सीमा नेपाल राष्ट्र बैंकको निर्देशनभित्र बैंकले तोक्छ। डेबिट कार्डले ग्राहकको आफ्नै रकम र क्रेडिट कार्डले जारीकर्ताबाट सापटी रकम खर्च गर्छ।

बैंक तथा वित्तीय संस्थाले जारी गरेको डेबिट कार्डबाट नगद झिक्ने अधिकतम सीमा प्रतिकारोबार रु २० हजार, प्रतिदिन रु ५० हजार र प्रतिमहिना रु ३ लाख हो। वस्तु तथा सेवा खरिदको बिल कार्डमार्फत तिर्दा यो सीमा लागू हुँदैन। स्वदेशभित्र अर्को बैंकको एटीएममा कार्ड प्रयोग गर्दा प्रतिकारोबार बढीमा रु १५ शुल्क लिन सकिन्छ।