We don't have a specific debit card section but there are
several of the common debit card types available there and in
general a VISA / MasterCard debit card will fill just fine using
the standard card templates - that's exactly what I have setup for
both my business and personal VISA Debit cards from Barclays in the
It seems like you are suggesting that we just use the credit
card wallet items for our debit cards. That should work fine, but
it would be nice to at least be able to indicate these are debit
rather than credit cards without having to enter something into the
Perhaps a field could be added to indicated if it is a credit vs
debit card. If you do add such a field to the credit card template,
it would also be useful to have a company name field. I have both
personal and business credit and debit cards, and it would be great
to have a dedicated field for this too.
Even something as simple as "Visa" vs "Visa Debit", "Mastercard"
vs "Mastercard Debit" might help quite a bit. It would make it very
easy to distinguish a traditional Visa card from a debit card, when
both are technically Visa cards. Without adding any new fields or
features, you could add this by just including a few extra credit
card types: Visa Debit, Mastercard Debit, and Debit Card.
I look forward to the ability to customize the items in the
future, although I know it may take some time for that
I've used 1Password for a long time but only for log-in items.
I'm just finally getting around to bringing over wallet, software
and other items that, until now, I've kept in a spreadsheet. I was
completely surprised (and thought I was crazy) when I couldn't find
a bank card or debit card category. So, I'm glad I found this post
and like everyone else, I'm creating my own work-around
temporarily. I've seen the note that says that being able to
customize some of the categories and fields is the request you get
most often and I also understand the challenges that doing that
presents for you but I figured I'd just add one more "it'd be
great" and "pretty please" to the rest of the requests that you
ps. 1Password is terrific. Two family members will be getting it
as a gift this year
I cannot understand the above discussion. A CLIENT CARD or DEBIT
CARD is a completely different item from a credit card. It for
instance does not have a credit limit except perhaps overdraft
protection. I would strongly recommend that the category Client
Card or Debit Card be added to the wallet section of 1Password.
As we mentioned, we're hoping to make it possible for
customisable item templates, so that you can add extra information
or remove it to suit your needs, though we'll need to be careful to
prevent any accidental damage that could prevent form-filling.
From a technical, form filling and how the merchant processes
the card, point of view, there's no difference to how a debit /
credit card are handled, they both use a card number, should use
expiry dates and should use a verification code, the difference is
what happens with your card provider once they receive the
transaction, obviously debit vs credit.
From an organisational point of view, yes debit cards do have
different information, but in this case the focus is on
form-filling and making sure those items are grouped together.
13 Posted by John Kenton-Page on 05 Jan, 2012 09:31 AM
You just do not get it do you?
It is not just a change of the debit card template, the function
and data are quite different. What you should so is have a Debit
Card template that links to the bank account with which it is
associated and automatically debits that bank account when an entry
is made on that Debit Card.
Reading your responses, at the risk of repeating myself, I do not
think you really understand the difference between a Credit Card
and a Debit Card and that entering a Debit Card as a Credit Card in
the programme makes no sense.
1Password doesn't touch anything with regards to how
transactions are carried out, that's down to your card provide,
it's simply filling your details into a form. So in technical fact
it does not make a difference if you have your bank debit cards and
credit cards in the same item template.
I do actually know quite a bit about the difference between how
the two types of cards work, my previous job was working for one of
the UK's largest banks, I won't name them as it makes my blood boil
every time I think of them, and the differences were often
something we had to explain to customers who were confused why
their debit cards took the money straight away.
Let me clear though, 1Password does not
actually handle any of the transactional side of you filling your
card details online, it just fills them so that you can then make
your purchase and your card provider will then handle the
transaction, either debiting it from your bank account in the case
of a debit card or by adding it to your statement for a credit
card, sites like Amazon don't know or care about that difference,
that's handled once the transaction hits the payment processing
I may be mistaken, but although debit cards are linked to a bank
account they also have their own unique card details, just like a
credit card does, and in general they share a lot of the same
1Password does not yet have the ability, though it has been
suggested, to link items with other items, so your card details are
stored separately from you bank account details, which is a good
thing if you lose your debit card and need to replace the details,
it's easier to edit just the cards details than all of your bank
I'm not sure what else you would like us to do, we've said that
we're looking into customisable templates, and tried to explain how
1Password treats cards.
Although it would be nice to have built-in support for debit vs
credit cards in 1Password, and this is something I'd love to see,
there really is no difference from the perspective of 1Password
between these two types of cards.
As far as the processing of the charges and your account, I
don't see how that has anything to do with 1Password at all.
As far as usage of the cards, while a debit card was primarily
designed for usage at an ATM, that too has little to do with
When used for an online purchase, debit and credit cards behave
exactly the same with regards to their entry into the form fields
on a website. (In fact, from the merchant's perspective, the actual
technical process of handling both debit and credit cards is
When we get the ability to customize the templates, I'm sure
we'll be able to add any additional information we need for our
debit cards. As a very satisfied 1Password user, I can say that I
look forward to this feature, but in the meantime don't have any
problem simply adding "(Debit)" to the end of the name of the card.
[Technically, I actually use either my name or business name along
with the bank name in parenthesis so I know exactly which account
the debit card is for, but that's the same basic principal].
The only reason at all why I can see why it would be nice for
1Password to know if a card is a debit vs credit card, would be for
the list of wallet items to show these as separate types (for
sorting, filtering, etc.) as well as for the browser extensions to
separate the debit and credit cards into two separate lists for
auto-insert purposes. However, this would only help us sort/list
our debit and credit cards within 1Password, and have no impact on
the actual function of the app.
Anyway, that's my 2-cents.
Keep up the great work.
I beg to disagree. In Europe, Debit Cards are used for purchases
and as the money has to be in your account the high levels of debt
that is built up with Credit Cards is avoided. I think we have lost
sight of the original request. That was to be able to have a
template for Debit Cards as well as Credit Cards, that reflect the
differences between them. I fail to see why this is such a problem
and in many posts there seems to be confusion as to the exact
operation of Debit Cards - maybe because their primary use varies
between the USA & Europe.
We're not saying that this is a problem, we're just saying that
the plan is to make templates customisable, rather than add a
specific debit card template to 1Password.
It doesn't really matter how the cards actually work from a
banking point of view, and what you describe is the way debit cards
work everywhere, you have to have the funds in your account or an
overdraft facility in place, to use the card. I have debit cards
only for exactly that reason.
The point is, 1Password will fill your debit card details in
just the same way as they would for a credit card.
In the US, and as far as I know the rest of the world, debit
cards works exactly the same as they do in Europe. I think we are
all in agreement about this and how they work, and I doubt there's
any confusion about this at all.
The real question, however, is how does this difference have
anything to do with how 1Password stores the card information or
fills it in on a web form? As far as my usage of 1Password, I want
to be able to store my card details, retrieve them when necessary
and/or insert them automatically into a web form.
I really don't see what else someone could be expecting
1Password to be doing with this data.
I only wanted to store the information in a Debit Card template
rather than one that says Credit (Debit) Card. It seems so simple
to me but the waters have been muddied to the extent that further
discussion is pointless. I never believed something so simple could
become so complicated.
It could be a case of mistaken identity, but have you and I not
already had this exact conversion by email? :)
In any event, I am not aware of any plans to make a specific
"debit card" template at this time. The "credit card" template
contains all of the required fields to store a debit card (even if
it has that nasty "credit" word in the title of the template). It
is easy enough to reflect in the title that the card is a debit
card vs credit card.
As Ian mentioned, from 1Password's perspective, it doesn't
really care if the money is coming directly from a bank account or
if it is being charged as credit, the same general information
needs to be filled in: name, card number, expiration date, etc.
The issue here, is that certain websites (Low-cost airlines for
example) will charge you more for paying on a Credit card than on a
Debit card, so if 1Password fill in the card type as 'Visa' you get
charged an extra £15 say, whereas if it filled it in
correctly as 'Visa Debit', the charge would only be £6. This
issue is starting to crop up more and more in different areas
online, so it should definitely be included in a future update.
Thanks, and I really enjoy the product by the way.
I see what you mean, we don't have a card type for VISA Debit,
I'll talk to the developers about this as this is a valid use case,
I guess the one thing I'd say is to make sure you always check the
form before submitting.