【中文版】

借记卡是什么意思？

借记卡是指先存款、后消费的银行卡，与信用卡不同。借记卡不能透支，它具有转账、存取现金、购物消费、缴费、代发工资等基本功能。

借记卡是一种芯片卡，与磁条卡相比，芯片卡具有更高的安全性、便利性和防伪性。芯片卡内含处理器和加密逻辑单元，可以实现密码验证、数据加密和用户身份认证等安全功能。

除了基本的金融服务外，借记卡还可以提供其他增值服务，如跨行取款免费、ATM机查询及打印账单、手机银行、网上银行等便捷服务。这些服务使得人们可以更加方便地管理自己的资产和进行消费。

总的来说，借记卡是一种方便、安全、多功能的银行卡，它可以帮助人们实现资产管理和消费支付的便捷操作。

【英文版】

What does debit card mean?

Debit card refers to a bank card that can be used for both deposit and consumption, which is different from credit card. The debit card cannot be used for overdraft and has basic functions such as转账, cash withdrawal, shopping, payment, and salary payment.

The debit card is a chip card, which has higher security, convenience, and anti-counterfeiting compared with the magnetic strip card. The chip card contains a processor and encryption logic unit, which can achieve security functions such as password verification, data encryption, and user authentication.

In addition to basic financial services, the debit card can also provide other value-added services, such as free interbank ATM withdrawal, ATM machine query and printing of statements, mobile banking, online banking and other convenient services. These services enable people to more easily manage their assets and make payments.

Overall, the debit card is a convenient, secure, and multi-functional bank card that can help people achieve convenient operations for asset management and consumption payment.