On May 30, 9:19*pm, S wrote:

You could pay a deposit by Giro transfer

Yes, online banking works as a replacement for debit cards. How
large is the set of people who have access to online banking, but do
not have debit cards?

ian

Yes, online banking works as a replacement for debit cards. How
large is the set of people who have access to online banking, but do
not have debit cards?

Potentially anyone with an HSBC 'Basic' bank account which only provides
an ATM card but allows internet banking.

On May 31, 11:37*am, Graham Murray wrote:
Yes, online banking works as a replacement for debit cards. * How
large is the set of people who have access to online banking, but do
not have debit cards?

Potentially anyone with an HSBC 'Basic' bank account which only provides
an ATM card but allows internet banking.

Interesting. The Lloyds, Nat West and Barclays equivalents provide a
debit card, so this would seem to fit into the category of "weird edge
case". Presumably anyone eligible for this would be eligible for
another operator's equivalent.

ian

On 31/05/2012 14:32, ian batten wrote:

On May 31, 11:37 am, Graham wrote:
Yes, online banking works as a replacement for debit cards. How
large is the set of people who have access to online banking, but do
not have debit cards?

Potentially anyone with an HSBC 'Basic' bank account which only provides
an ATM card but allows internet banking.

Interesting. The Lloyds, Nat West and Barclays equivalents provide a
debit card, so this would seem to fit into the category of "weird edge
case". Presumably anyone eligible for this would be eligible for
another operator's equivalent.

ATM-only cards also exist for the Santander Basic Current Account, First
Trust Bank's Basic Bank Account and Bank of Ireland's Basic Cash Account
(as well as various savings accounts).

On May 30, 9:40*pm, ian batten wrote:
On May 30, 9:19*pm, S wrote:

You could pay a deposit by Giro transfer

Yes, online banking works as a replacement for debit cards. * How
large is the set of people who have access to online banking, but do
not have debit cards?


You don't even need online banking, you can even go to a branch. It is
not just what people can do, but what they prefer, and it seems that
in Germany there are enough people who prefer to pay by bank transfer
that it is offered as an option on many websites. Reasons apart from
the lack of debit card can include security, if you make a bank
transfer, the merchant won't be able to debit your account, your bank
account number is safe; from the merchant's point of view, he only
needs a bank account to accept payments, which he would have anyway,
and there are no extra processing costs.