Withdrawal card or bank card: what are the differences?
Verified 24 November 2025 - Public Service / Directorate of Legal and Administrative Information (Prime Minister)
The withdrawal card allows you to withdraw money from ATMs from your bank. You cannot no payment with this card. It is usually free.
The credit card allows you to withdraw money from ATMs of all banks. It also allows you toperform payments at the merchants or remotely (telephone and internet). The credit card can be debited immediately, that is to say the amount of purchases is taken immediately from your account. It can also be debited on a deferred basis, i.e. the total amount of purchases made in the month is debited from your account at one time and on a fixed date. The credit card is usually charged. Rates depend on the account agreement.
FYI
A management fee may be charged by your bank if you withdraw money from other banks.
Who can help me?
Find who can answer your questions in your region
List of basic banking services
Service-Public.fr
Service-Public.fr
Service-Public.fr
Prudential Supervision and Resolution Authority (ACPR)
Prudential Supervision and Resolution Authority (ACPR)
Finance for all