What type of services can an ATM card be used for in addition to ATM transactions?

An ATM card, in addition to being used at ATMs for cash withdrawals and balance inquiries, can also be utilized for transactions at point-of-sale (POS) devices. This feature allows cardholders to make purchases directly from their bank accounts, facilitating everyday shopping without the need for cash. When a consumer enters their PIN at a POS terminal, the transaction is processed similarly to a debit card transaction, making it convenient for both the customer and the merchant.

The other options limit the functionality of the ATM card. For instance, suggesting that ATM cards are only for online shopping overlooks their primary purpose related to physical transactions and cash management. Also, stating that they can only be used for international travel expenses excludes the broader applications of ATM cards in domestic settings and everyday transactions. Finally, indicating that ATM cards are restricted solely to withdrawals and deposits fails to recognize their capability to function at POS terminals as a purchasing method. This comprehensive utility makes the answer regarding purchases at point-of-sale devices the most accurate and representative of an ATM card's features.