Debit cards

Pros

Prevent debt: Debit cards are linked to checking accounts and reduce the available bank balance. You can set transactional limits, so users never spend more than what’s available in the linked account.

No annual fees: Banks typically don’t charge annual fees for debit cards. The amount is already built into the account fee.

Suitable for smaller purchases: Commercial debit cards are ideal for smaller transactions that don’t considerably impact your company’s budget or financial standing.

Easy to acquire: Since debit cards don’t require you to borrow from the bank, they are easy to get, even without a good or existing credit score.

Cons

Limited access to funds: Debit cards only allow you access to spend what’s already in the bank account or up to a certain limit. This can be a problem if you need to make an emergency purchase and don’t have the funds available.

Overdraft fees: Most banks charge overdraft fees if you spend more than is available in your account. This can cause unnecessary financial strain.

Complicated for big-ticket items: Banks often apply additional layers of security to debit cards. You may need to get pre-authorization to transact in higher amounts. 

There may also be spending limits within a certain time frame.

Require a PIN: Although this could be an extra layer of card security, forgetting the PIN can be very inconvenient.

[TW]

金融卡

優點

防止債務：金融卡與支票帳戶關聯並減少可用的銀行餘額。 您可以設定交易限額，這樣用戶的支出就不會超過關聯帳戶中的可用金額。

無年費：銀行通常不收取金融卡年費。 該金額已計入帳戶費用。

適合小額購買：商業借記卡非常適合小額交易，不會對公司的預算或財務狀況產生太大影響。

易於取得：由於金融卡不需要您向銀行借款，因此即使沒有良好的或現有的信用評分，也很容易獲得。

缺點

資金使用受到限制：金融卡僅允許您使用銀行帳戶中已有的資金或在一定限額內使用的資金。 如果您需要緊急購買但沒有可用資金，這可能會成為問題。

透支費用：如果您的支出超出帳戶可用金額，大多數銀行都會收取透支費用。 這可能會造成不必要的財務壓力。

對於大件物品來說很複雜：銀行經常對借記卡應用額外的安全層。 您可能需要獲得預授權才能進行更高金額的交易。

在一定的時間範圍內也可能有支出限制。

需要 PIN：雖然這可能是卡片安全的額外一層，但忘記 PIN 可能會非常不方便。