The MyDebit card is issued to you by your bank when you open a savings or current account with the bank. In addition to using the card to make cash withdrawals at the ATMs, the card can also be used to make payments for purchase of goods and services at merchants who display the MyDebit logo.

When making payment for purchases, the card is inserted in the merchant's terminal and terminal will prompt you to key your PIN (the same PIN used for cash withdrawals at the ATM) to approve the transaction. This is a contact transaction.