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What's the difference between a business debit card and a regular debit card? - Given Take Business
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What’s the difference between a business debit card and a regular debit card?

In: Business


If you have a business and use debit cards for your purchases, you might be wondering if there’s a difference between the two types. The answer is yes—there are differences in both the benefits and downsides of each type of card. So which one should you choose?

Transaction limits

You’re probably wondering what the difference is between a business debit card and a regular one. The main difference is that businesses often need to make larger purchases, such as buying office supplies or other products for their employees. This means that they can get higher transaction limits when using their cards to make purchases instead of personal ones. Start using how to use a virtual visa card properly in order to grab concepts about their transaction limits. 

Businesses also want to be able to spend money quickly so that employees don’t have to wait too long for their purchases after work (or on weekends). These types of transactions usually take longer than those made with personal debit cards because they’re processed through different systems at different companies—but they still need flexibility so that everyone can use it without being held up by long lines at the register!

Embossed card

A business debit card is a plastic card that can be used to pay for expenses. It has the business name on it, and it’s linked to your bank account. This is different from a standard debit card, which is typically used by individuals who don’t have their own bank accounts or aren’t required to use one in order to make purchases.

Businesses often opt for embossed plastic cards because they’re cheaper than personalized ones—and they can also help protect your personal information if someone steals them while using them at an ATM machine (or even just swiping them across the reader).

Account designations

A business debit card is designed to be used for making purchases at businesses and other commercial establishments. The account holder or primary user must have a business account with the bank in order to use this type of card, although there are some exceptions (for example, if you’re an employee who needs access to your employer’s personal financial information).

A regular debit card is designed for everyday spending and may be opened in a person’s name or jointly with another person—either as part of a joint checking account or as part of their own individual savings accounts. You can also open additional accounts on top of these two main types (such as savings accounts) so that you have more options when it comes time for making purchases online or over phone lines!


Business debit cards are great because they can be used at any ATM around the world. However, there are some fees to consider when choosing one over another. For example, some businesses charge a flat rate for using their card (usually $0-3), while others may have monthly or yearly fee structures that vary depending on your spending habits and the type of account you maintain with them.

In addition to these costs associated with using a business debit card, there are also hidden fees that may not be obvious until after the transaction is completed. Your bank may charge you for each purchase made through their network—this could include anything from foreign transaction fees (which can range from $0-$3) to foreign currency conversion charges ($2-$4). Additionally, some banks will charge an additional 1-2% per day on top of these amounts if they don’t receive payment within 30 days after making an online purchase; this applies only if you’re trying to pay off balances quickly before interest kicks in!

To avoid these kinds of surprises when opening up new accounts or switching between banks – use our guide below so we can help make sure everything goes smoothly!

Transaction records

  • Transaction records are available online.
  • Transaction records can be accessed by phone, too.
  • You can print out your transaction history from the card’s website or app, if you have Internet access at home and don’t mind waiting a few days for it to process after each purchase.

Personal liability

A business debit card can be a great way to separate business and personal expenses. If you use the card for personal purchases, however, you are liable for the charges. Instead of using a personal credit card or other form of payment that leaves your name on it (and thus makes you personally liable), use another method like cashier’s checks or money orders instead!

A business debit card is helpful for keeping business spending separate from your other finances.

A business debit card is a tool that can help you keep track of your business expenses, make sure you’re not overspending on the job and avoid overdrawing your bank account.

This is different from a personal debit card because there are no fees associated with using one, but it does come with its own set of rules. You may need to apply for a new account if yours has been inactive for more than six months (or three years if it’s an original account). If this applies to you, read our guide on how to open up a new checking account so that we can help get started!


A business debit card can help you keep your business finances separate from your personal finances. It lets you spend money on purchases that you would otherwise be unable to make because of the associated fees or limits. But if you’re looking for something more than just a work-only option, then consider a regular debit card instead.

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