Differences between a credit card and debit card

The main differences between a credit card and debit card are shown below.

Main difference: moment when payments are debited

    Are you paying with your debit card?
    The money will be debited from your payment account immediately.     Are you paying with a credit card?
    You pay for your credit card transactions only once a month. At the end of the month you receive a statement showing the amount you spent on your credit card. We debit this amount from your account in one go (as a lump sum) at the end of the month.

Differences between debit cards and credit cards

You have different possibilities, depending on which debit card or credit card you have.

Which debit card or credit card do you have?
Rabobank

Maestro debit card

    Maestro logo Spending is debited directly Accepted mainly in Europe Limited possibilities for online payments PIN cannot be changed No purchase protection insurance No fees for cash withdrawals at Geldmaat ATMs
Rabobank

Mastercard or Visa debit card

    Mastercard or Visa logo Spending is debited directly Accepted around the world Online payments PIN can be changed at Geldmaat ATMs No purchase protection insurance No fees for cash withdrawals at ATMs
Creditcards Mastercard RaboCard en Visa GoldCard

Credit card

    Mastercard or Visa logo Spending is debited once a month Accepted around the world Online payments PIN can be changed at Geldmaat ATMs Purchase protection insurance Additional fees charged for cash withdrawals

FAQ

Further reading

Using your debit card outside the Netherlands

Contactless payment with your credit card (Dutch)

Need help?

Online customer service
Find your answer yourself online
Call one of our employees
Take waiting time into account
Find a Rabobank office
Locations and opening hours