[__david__]

I meant that it acts as if it were a credit card from the payment processing point of view.

I address the same problem by having multiple bank accounts that have small balances and auto-depositing my monthly budget for different things into them. If any one gets compromised (and the bank is unwilling to fix it), it doesn't take out my whole bank account. Plus it provides a nice "money into envelopes" style of budgeting that's very easy to understand.

If your card only works at the ATM, then how do you buy expensive things (something that costs more than the daily ATM withdrawal limit)?

[kuschku]

> (something that costs more than the daily ATM withdrawal limit)

How often do you go over 4000€ and pay for it at point of sale?

Usually, you sign a contract, and wire the money to VW or wherever you bought your car, or you wire it to the bank where you bought the shares.

[greenyoda]

"If your card only works at the ATM, then how do you buy expensive things?"

I have credit cards for buying things.