Can You Use a Debit Card Online?

Yes, in most cases you can use a debit card online—as long as it’s set up to work on a major card network (like Visa Debit or Debit Mastercard) and the merchant accepts that network.

You usually enter your debit card details just like a credit card: card number, expiry date, CVV, and billing address. The money then comes directly from your account, not from a borrowed credit limit.

Some merchants, especially subscriptions or international sites, may be picky and only accept credit cards.

KOHO Essential for Online Payments

If you want something that behaves like a debit card online, but with extra perks, KOHO Essential fits that role well.

With KOHO Essential:

• It has a low monthly plan fee that can be waived when you set up direct deposit or add +$1,000.

• Use a prepaid Mastercard® for groceries, bills, subscriptions, and travel.

• Grow your savings with a 2% interest savings rate on your entire balance.

• Earn 1% cash back on groceries, eating & drinking, and transportation.

• You can add Credit Building for $10/month, it's an affordable way to build your credit history

• Enjoy unlimited transactions and free e-transfers (never worry about fees when sending money to someone again).

When Debit Cards Work Well Online

A debit card is great online when you:

• Want to avoid carrying a credit card balance

• Prefer to spend only what’s in your account

• Are shopping at trusted websites and apps that accept your card network

It’s especially handy for:

• Streaming services and subscriptions

• Online retail shopping

• Food delivery and ride share apps

• Booking certain flights, buses, or hotels

When Debit Cards Might Not Work Online

You might run into issues if:

• The site only accepts credit cards (common with some car rentals, hotels, or certain international merchants)

• Your debit card isn’t on a major card network that the merchant uses

• The transaction type requires a credit hold (like certain deposits or pre-authorizations)