Switch / Maestro

Switch and Maestro are both kinds of debit card, whose individual histories have become intertwined in recent years. Switch was the brand name of a type of debit card used by banks in the United Kingdom. With its distinctive green background and black and white semi circles, it adorned the plastic of many a UK bank account holder until very recently.
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It was originally launched in 1988 by a consortium of banks, including HSBC (then the Midland), Nat West and Royal Bank of Scotland. It was conceived as a competitor to the then dominant Visa brand of debit cards, including Delta and Electron. Switch cards were multi functioning. Their primary use became that of the debit card. A debit card is different from a credit card because it is directly linked to the customer’s bank account. This means that when you use your debit card as payment for goods or services, you are in effect using your own money, and there is not usually any transaction charge for you to pay. Any charges are made to the retailer or trader you are buying from, not to you as a customer. This is a very different situation from when you use a credit card. In this case, you are effectively borrowing the money from banks or financial companies, for which you are charged interest. The actual amount varies between different cards and accounts, but will usually be set at around 1.5% per month (about 20% APR). The only way to avoid these interest charges is to pay your total debt in full at the end of each monthly statement period.

Meanwhile, Maestro was a debit card service owned by the American financial giant MasterCard. While the self-named MasterCard is the worldwide credit card brand, Maestro was introduced in 1992 as the name behind its international debit card offering. It was intended to act as a rival to Visa’s Debit card. In effect, Switch was a UK only brand, while Maestro tended to be used more widely internationally. In recent years, the decision was taken to rationalise this discrepancy, so the Switch name has largely disappeared. It has been slowly merged with its international brand name stable mate Maestro (both owned by MasterCard). In 2011, the merger became effective, and no further Switch branded cards were issued. The brand suffered a slow death: as existing cards expired, they were replaced with the new Maestro branding.

Ironically, Maestro is now suffering the same fate. Very few are now issued, as the brand has been superseded by the new Debit MasterCard, and many of the major British banks switched (no pun intended) to using the Visa Debit brand during this transition period, so that the Maestro name slowly began to disappear from the British financial scene. This process is now almost complete, as only a very few of the smaller banks still use the Maestro name.

When it comes to online bingo, just about all online bingo sites accept all the different MasterCard credit and debit brands. And they are all really quick and easy to use. Just register your personal details with your chosen bingo site, and then fill out your banking details on the “Banking” page. On some sites, this will be accessed via “Make a Payment” or “Deposit” links in the bingo lobby.

And if you’re not sure which site to choose to make your debit card payments, you know where to call for all the up to date information. Here at Busy Bee, we’ll give you the lowdown on all the best places to play bingo online in our comprehensive and impartial site reviews.

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