GBBL is one of the Visa Network member of Nepal Investment Bank Limited. Debit Card is a payment card, which enables with the option of making purchases at merchant locations as well as cash withdrawal from ATMs with access to bank account. It is a convenient financial management tool. It offers many benefits, however at the same time it also carries many responsibilities to the holder thereof. It provides freedom from the burden of carrying cash as well as risk associated with that. Visa Card is international brand in card business. These brands have wide range of acceptance worldwide.
- Convenience- Debit card payments allow you to complete transactions without having to fumble for cash, dig around in your purse or pockets for exact change, write out a check or go to an ATM.
- Security- Debit card provide more safeguards than paper, and you are not held liable for unauthorized purchases made if your card is stolen.
- Merchant appeal- Debit card payments also appeal to merchants who appreciate the assurance of payment.
- Dual access- Can be used as both an ATM card and debit card. Transactions are automatically updated and recorded online, making it super handy to keep track of them.
- No Bulk-Easy to carry in your wallet or purse without the extra bulk.
- No checks- Save time and the cost of purchasing checks every year by using your debit card.
Key Takeaway safety tips:
- Keep your personal identification number (PIN) just that - personal. Never write it down or share it with anyone - not even family members. It's also a good idea to update your PIN number once a year to keep it fresh.
- Be aware of your surroundings, particularly at night. If you see any suspicious activity, like a person waiting a few feet away or if there aren't any lights around, avoid using that machine and find another in a more public area.
- Bring someone with you when using an ATM. If you can't find a buddy, use an ATM that is located in a public area like a convenience or grocery store. This way, store personnel are there to help and you'll have the video surveillance from both the store and the bank.
- Have your debit card ready to go as you approach the ATM. If you need to search through your purse or wallet, you'll give criminals more of a chance to catch you off guard.
- Use your body to “shield” the ATM keyboard as you enter your PIN. If someone seems to be lingering behind you, walk away and come back later.
- Always take your receipts or transaction records with you. This will avoid any of your personal information getting into the wrong hands.
- Do not count or visually display any money you received from the ATM. After taking your money out of the ATM, immediately place the cash in your purse or wallet, and count it later.
- If you're using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car. It can also help to turn down the radio so you can be more alert.
- Check the ATM for a card skimmer. A card skimmer is a device attached to the payment terminal of an ATM that is used to steal your card information when inserting your card to withdraw money. You can often spot a card skimmer with your own inspection. If the card reader slot feels loose or is oddly a different color scheme than the bank's branding, or the keyboard doesn't feel right (too thick, buttons don't press easily, etc.), these are often signs that a skimmer is in place.