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Payment cards are plastic cards with a microchip and a magnetic strip that you can use to pay for goods and services in stores and on the Internet
without having to use cash. These cards also allow you to withdraw money from Automatic Teller Machines (ATM).

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The personal cheque is a payment instrument which customers use to instruct the bank to pay a certain
amount of money out of their account to someone else. It is pre-printed according to a standard
scheme and contains the words “personal cheque” and the name of the issuing bank.

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What is Money?

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A short series to help you understand useful facts about money. This video was created by volunteers and is based on details from the original Rupaiya-Paisa series written by Mala Kumar, illustrated by Deepa Balsavar and pubished by Pratham Books.

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is the combination of banknotes and coins issued by a country or by a union of countries under specific laws and international agreements.
People accept legal tender because they trust it can be used for debt payment and because they trust the central bank which controls its issuance, regulates its value, and protects its authenticity.

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The development of payment instruments besides cash is strictly tied to the function of banks within the modern economic system.
Banks’ main activities are gathering the savings of the general public and making loans.
In performing these functions, banks bring together those who do not have enough money and those who do and who want to earn some interest on it.

The bank acts as an “intermediary” – since it is not necessary to physically hand over the money as other payment instruments can be used: money is simply transferred from one
bank account to another by means of a simple accounting entry.
The network of accounts that customers open at banks allows money to be moved between
accounts at the same bank and to accounts opened at other banks. All this is possible thanks to computer technology, linking all the banks, and to a set of rules and procedures that are the same for all operators.