[veb]

In New Zealand we have debit cards, so they act just like a normal credit card, except it needs to have money in the account for the transaction to work. So you tie it to an account that you put money into, instead of say, your every-day spending account which could contain a lot more money.

[another-dave]

In the UK, the bank will just let the transaction go through & then charge you a hefty fee for an unapproved overdraft.