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The Daily Insight Hub

Is it bad to use a debit card for online purchases?

Author

Andrew Campbell

Updated on February 16, 2026

As much as you might resist it, debit cards should not be used to pay for online transactions; a credit card is always safer for e-commerce. You’re not as protected against fraud when you use a debit card, and disputes with those cards can be difficult to resolve.

Can a debit card be used for online purchase?

Your debit card will work online. But debit cards are not a good way to pay when you shop online. Credit cards are safer to use when you buy things online: It is easier to get your money back if you use a credit card.

Are debit card purchases protected?

No, you are only protected by Section 75 of the Consumer Credit Act when you make a purchase costing £100 to £30,000 on your credit card. Debit card protection is only available through what is known as the Chargeback scheme.

Can you use a debit card to buy airline tickets?

If you have a debit card with the Visa or MasterCard logo, you can use it for online purchases just like a credit card, although the cost of the purchase will come out of your account immediately. You can also purchase a prepaid debit card or, in some cases, an airline gift card and use either for online travel purchases.

Where can I buy an airline ticket online?

Long gone are the days when you had to purchase an airline ticket in person through a travel agent. You can go online or call an airline representative directly and provide your payment information.

Can you pay for a flight with a credit card?

If you don’t want to use a credit card or pay in person, you can always hire a travel agent to do the booking for you. They accept credit cards, of course, but many travel agents will take payment in cash, check, money order or even online methods like PayPal too.

Is it safe to pay with a debit card online?

As much as you might resist it, debit cards should not be used to pay for online transactions; a credit card is always safer for e-commerce.