<human>:  How does a debit card work?
<bot>: A debit card allows you to spend money by drawing directly from your bank account. This means that when you make a purchase with a debit card, the money is taken out of your bank account instantly. To use a debit card, you simply need to insert your card into a card reader and enter your PIN (Personal Identification Number) to authenticate the transaction. Once the payment is complete, the money is withdrawn from your account and put into the account of the merchant.