[jsjohnst]

What you initially described isn’t a “debit card” despite GPs post, but a debit card isn’t what you think either. A debit card can be used like an ATM card (what you call a Bankomat, and isn’t charged a cash advance fee like using a pin with a normal credit card), but it also can be used pinless like a credit card, just the money is immediately held in your bank account. That’s the difference with what you described originally, the immediate rather than end of month part. The closest thing really we have in the US generally used to what you describe is a “charge card”, which some versions of American Express are. You are required to settle up in full at the end of the month usually, though, and carrying a balance isn’t allowed (again, not always, but usually).