# Debit Mastercard

Debit Mastercard is a brand of debit cards provided by Mastercard. They use the same systems as standard Mastercard credit cards but they do not use a line of credit to the customer, instead relying on funds that the customer has in their bank account.

## Availability
### Algeria

Several banks offer Credit and Debit Mastercard in Algeria (Algeria Gulf Bank, Banque de Développement Local, Crédit Populaire Agricole).

### Argentina

In 2011, Banco de Córdoba started offering Debit Mastercard to its clients, as a direct competitor to the Visa Débito card. However, this would not be a direct replacement of all Maestro cards in the Argentine market, since it will be analyzed with each bank.

### Australia

In Australia, the Debit Mastercard is the main competitor to the Visa Debit cards provided by Visa Inc.
The Debit Mastercard was first launched in Australia by Westpac in 2006 as an alternative card for the bank's Cirrus cardholders.

### Baltic states

Swedbank has offered Debit Mastercard in Estonia since 2011, Latvia and Lithuania since 2012. Nordea has offered Debit Mastercard in Latvia since 2016. SEB has offered Debit Mastercard and Visa Debit for years equally in the Baltic states, but since March/April 2014 SEB decided to prefer Debit Mastercard as their main debit card, still somewhat offering also Visa Debit.

### Canada

Debit Mastercard was launched in Canada in July 2016 with Bank of Montreal. Similar to most Canadian Visa Debit cards, BMO's Debit Mastercard is co-badged with Interac and operates solely over that network for point-of-sale transactions in Canada, but uses the Mastercard network for Internet and international transactions.

### Germany

Deutsche Bank, Commerzbank, Norisbank, Consors Finanz, MLP, netbank, KT Bank, O2 Banking, Fidor Bank and N26 offer the Debit Mastercard to their customers. In Germany, the Debit Mastercard is a competitor to the national Girocard.

### Greece

As of March 2015, all four major Greek banks offer a contactless Debit Mastercard to their clients.
Eurobank Ergasias is replacing its Maestro line of debit cards with a new Debit Mastercard.
The National Bank of Greece (NBG) started replacing its Maestro debit card with a new Debit Mastercard in March 2015. NBG is the last one of the four major Greek banks to offer a Debit Mastercard to its customers, and like Eurobank it only offers this debit card.
The other two major Greek banks offer Debit Mastercard cards as well, but not exclusively. Piraeus Bank has added the option for a Mastercard Debit card alongside the Visa Debit (formerly Visa Electron) card that it had been offering in the past as the exclusive option. Also Alpha Bank offers Debit Mastercard and Debit Mastercard Contactless as one of three options for a debit card. It is not clear which debit card these two banks promote the most to customers that do not have a specific preference.

### Hong Kong

As of January 2021, HSBC, Citibank, WeLab Bank Livi Bank & Mox Bank offer a contactless Debit Mastercard to their clients in virtual and/or physical plastic card.

### Netherlands

bunq bank issues a Debit Mastercard to its premium customers. Additionally, ICS issues MasterCard and VISA debit cards including 180-day insurance, which is normally not available on debit cards in the Netherlands. Getsby is the first company to only issue tokenizable Virtual Debit Mastercard Cards in the Netherlands.
Rabobank will start offering Debit Mastercards from mid-2022, alongside their existing Visa Debit cards. ING has also begun rolling out Debit Mastercards, which will gradually replace their current stock of V-PAY and Maestro cards. The full rollout of Debit Mastercards by ING is expected to take place in 2024.

### Philippines

Major banks like BDO, Metrobank, Security Bank, RCBC, BPI and PNB issues Debit Mastercard.
Debit Cards like Mastercard are also accepted in most Point of sales in the Philippines. It directly competes with Visa Debit which is mostly issued by state-owned banks and Bancnet the national interbank network

### Romania

In Romania the Debit Mastercard is one of the two popular options of debit cards - the other one being Visa Debit.

### United Kingdom

In the United Kingdom, the Debit Mastercard operates alongside Mastercard's established Maestro debit card scheme, which previously were the only debit cards provided by Mastercard. However, almost all providers have switched to issuing Debit Mastercard instead, as the previous Maestro debit cards are not accepted as widely worldwide, unlike the Debit Mastercard which is accepted worldwide wherever Mastercard is accepted. Although, currently, the Maestro scheme still remains in place. The main issuers of Debit Mastercard are Clydesdale Bank (incorporating Yorkshire Bank), Danske Bank, Virgin Money, Metro Bank, Monzo Bank, Santander UK, Starling Bank, Chase UK, and Thinkmoney. First Direct began switching existing customers to Debit Mastercard from Visa in 2021.
NatWest Group began switching existing customers to and providing new customers with a Debit Mastercard in 2022.
The Debit Mastercard is a competitor to the Visa Debit cards provided by Visa Inc.

### United States

In the United States, unlike Australia and the United Kingdom, three levels of Debit Mastercard are available: Standard, Enhanced, and World. In 2012, there were four levels of Debit Mastercard available: Standard, Gold, Platinum and World.