Solo was a

debit card A debit card, also known as a check card or bank card, is a payment card that can be used in place of cash to make purchases. The card usually consists of the bank's name, a card number, the cardholder's name, and an expiration date, on either ...

in the

United Kingdom The United Kingdom of Great Britain and Northern Ireland, commonly known as the United Kingdom (UK) or Britain, is a country in Northwestern Europe, off the coast of European mainland, the continental mainland. It comprises England, Scotlan ...

introduced as a sister to the then existing

Switch In electrical engineering, a switch is an electrical component that can disconnect or connect the conducting path in an electrical circuit, interrupting the electric current or diverting it from one conductor to another. The most common type o ...

. (Later merged with the Maestro debit card brand of the Mastercard corporation) Launched on 1 July 1997, by the Switch Card Scheme, it was designed for use on

deposit account A deposit account is a bank account maintained by a financial institution in which a customer can deposit and withdraw money. Deposit accounts can be savings accounts, current accounts or any of several other types of accounts explained bel ...

s, as well as by customers who did not qualify for a Switch card (or, later, Maestro card) on current accounts, such as teenagers. The Solo card scheme was decommissioned permanently on 31 March 2011.

Operation

Solo was issued as a multifunction cash card by NatWest and the

Royal Bank of Scotland The Royal Bank of Scotland Public Limited Company () is a major retail banking, retail and commercial bank in Scotland. It is one of the retail banking subsidiaries of NatWest Group, together with NatWest and Ulster Bank. The Royal Bank of Sco ...

to customers over the age of 11 and by

HSBC Bank HSBC Bank may refer to any one of the following principal local banks or divisions of the HSBC Group: Asia-Pacific * HSBC (Hong Kong) ** PayMe, its local payment service * HSBC Bank (China) * HSBC Bank Australia * HSBC Bank India * HSBC Bank Malays ...

(formerly Midland Bank) to customers over the age of 13; however, NatWest Group and HSBC both then issued Visa Debit cards in place of Solo. Like its main rival, Visa Electron, Solo cards required all transactions receive electronic authorisation from the issuing bank. Such authorisation would not be given if there were insufficient cleared funds in the cardholder's account. Solo cards were linked to the

processing system (later re-branded as Maestro); however, some merchants differentiated between Solo and Switch through their numbering scheme to prevent under 18s from purchasing online. Due to their availability to minors, they could be used as a simple age vetting mechanism; for example, when online grocers Ocado accepted Solo, they refused to sell razor blades or alcoholic beverages to those paying with the card."What payment methods do you accept?"
Ocado help. Solo cards were also issued to people with a bad credit history to reduce the liability for the issuing bank.

References

External links

* {{DEFAULTSORT:Solo (Debit Card) Debit cards Debit card issuer associations 1997 establishments in the United Kingdom 2011 disestablishments in the United Kingdom NatWest Group