When opening an account or any other solution such as a Credit Union, you will usually get a debit card. This debit card is linked to your account so you can spend the money in your account without having to withdraw it as cash first or use cheques.
When you use your debit card to make a payment in-store, online or over the phone, the money will come out of your account immediately.
You can keep track of your spending by using your online account or mobile app if you have been given the facilities to do so.
There are many features and functions of a debit card. Debit cards store your account information within the chip and magnetic stripe and the card is also a convenient way to find your account number and sort-code as it's displayed on the card.