Editing Debit card (section)

===Hong Kong===
Most bank cards in Hong Kong for saving / current accounts are equipped with [[Electronic Payment Services|EPS]] and [[UnionPay]], which function as a debit card and can be used at merchants for purchases, where funds are withdrawn from the associated account immediately.

EPS is a Hong Kong only system and is widely accepted in merchants and government departments. However, as UnionPay cards are accepted more widely overseas, consumers can use the UnionPay functionality of the bank card to make purchases directly from the bank account.

Visa debit cards are uncommon in Hong Kong. The British banking firm [[HSBC]]'s subsidiary [[Hang Seng Bank]]'s Enjoy card and American firm [[Citibank]]'s ATM Visa are two of the Visa debit cards available in Hong Kong.

Debit cards usage in Hong Kong is relatively low, as the [[credit card]] penetration rate is high in Hong Kong. In Q1 2017, there are near 20 million credit cards in circulation, about 3 times the adult population. There are 145,800 thousand transaction made by credit cards but only 34,001 thousand transactions made by debit cards.<ref>{{Cite web|url=http://www.hkma.gov.hk/media/eng/doc/key-information/press-release/2017/20170623e4a1.pdf|title=Statistics of Payment Cards Issued in Hong Kong for First Quarter 2017, Hong Kong Monetary Authority|accessdate=21 December 2022|archive-date=5 April 2023|archive-url=https://web.archive.org/web/20230405141317/https://www.hkma.gov.hk/media/eng/doc/key-information/press-release/2017/20170623e4a1.pdf|url-status=live}}</ref>