Visa Delta is a major debit card issued by Visa in the United Kingdom. Of the major banks in the UK, the ones issuing debit cards under the Visa Delta scheme are: Barclays Bank, Lloyds TSB, Abbey and Halifax Bank of Scotland who abandoned Switch due to a delay in chip and pin rollout. The scheme is also used by many smaller banks and building societies including the Coop Bank, Alliance & Leicester and Nationwide. Download high resolution version (1842x1200, 64 KB)The logo of the UK debit card scheme Visa Delta, owned and run by Visa. ... A debit card is an ISO 7810 card which physically resembles a credit card, and, like a credit card, is used as an alternative to cash when making purchases. ... Visa is a brand of credit card and debit card operated by the Visa International Service Association of San Francisco, California, USA, an economic joint venture of 21,000 financial institutions that issue and market Visa products. ... Barclays plc (LSE: BARC, NYSE: BCS, TYO: 8642 ) is the fourth largest bank in the United Kingdom. ... Lloyds TSB Group plc is a group of financial services companies, based in the United Kingdom, which was created in 1995 following the merger of the TSB Group and the Lloyds Bank Group. ... Abbey National plc is the UKs sixth biggest bank, and Europes second largest mortgage lender, after Halifax. ... HBOS plc is the holding company of the HBOS Group, formed on the 10 September 2001 by, and named after, the principals involved in the merger of Halifax plc, the former Halifax Building Society, with the Bank of Scotland. ... Switch was a debit card used in the United Kingdom. ... Chip and PIN is the name of a government-backed initiative in the United Kingdom to implement the EMV standard for secure payments. ... Building society was the name given in 19th century Britain for working mens co-operative savings groups: by pooling savings, members could buy or build their own homes. ... Alliance & Leicester plc is a British bank, formerly a building society. ...

Design

On the front the card is identical to a Visa credit card, with the exception of the visa logo being above the hologram rather than below it, although not always, and the words "DEBIT CARD" written below the hologram. On the back most cards display the delta logo, and usually also a cheque guarantee logo. Visa is a brand of credit card and debit card operated by the Visa International Service Association of San Francisco, California, USA, an economic joint venture of 21,000 financial institutions that issue and market Visa products. ... Credit cards A credit card system is a type of retail transaction settlement and credit system, named after the small plastic card issued to users of the system. ...

System

The card can be used just like a Visa credit card both internationally and in the UK. Retailers in the UK can however accept the card as a debit card rather than a normal Visa card. In this case, the store is not charged a percentage, but rather a fixed charge of ca. 80p per transaction. All transactions are in any case processed through the Visa clearing system, using the same card number, distinguising it from other national debit card schemes which can be combined with Visa on a debit card, like Carte Bancaire in France and BankAxept in Norway, where the card in fact contains credentials for two distinct charging systems. Credit cards A credit card system is a type of retail transaction settlement and credit system, named after the small plastic card issued to users of the system. ... Carte Bleue Visa from Société Générale Carte Bleue (or Blue Card in English) is a major debit card payment scheme operating in France. ...

Logo

Visa seems to be in the process of removing the Delta brand from public display, as Visa Delta is not mentioned on their web site any more, and many card issuers and merchants are now removing the logo from display, despite them continuing to offer the debit features of the card.

Market Competition

The only competitor to Visa Delta on the UK debit card market is the Switch card now rebranded as Maestro, which is issued by NatWest, Royal Bank of Scotland and HSBC. Switch was a purely UK domestic debit card system, but newly relaunched as Maestro it now offers worldwide acceptance. By many Britons, Switch is viewed as preferable, as it has had longer market presence. It should however be noted that even in the UK it is less accepted than Visa Delta. Internationally, Visa Delta is preferred. A debit card is an ISO 7810 card which physically resembles a credit card, and, like a credit card, is used as an alternative to cash when making purchases. ... Switch was a debit card used in the United Kingdom. ... Maestro is an international debit card service; a joint venture by Mastercard and Europay International. ... This article needs to be cleaned up to conform to a higher standard of quality. ... The Royal Bank of Scotland (LSE: RBS) is one of Scotlands four national clearing banks and one of the oldest in the UK, founded in Edinburgh in 1727 by Royal Charter. ... HSBC Holdings PLC (匯豐控股有限公司) (NYSE: HBC, LSE: HSBA, HKEx: 005, Euronext: HSBC) is one of the largest banking groups in the world. ... Maestro is an international debit card service; a joint venture by Mastercard and Europay International. ...

See also

• Visa
• Visa Electron
• Switch card