Debit Mastercard is a brand of debit cards provided by Mastercard. They use the same systems as standard Mastercard credit cards but they do not use a line of credit to the customer, instead relying on funds that the customer has in their bank account. Algeria Several banks offer Credit and Debit Mastercard in Algeria (Algeria Gulf Bank, Banque de Développement Local, Crédit Populaire Agricole). Argentina In 2011, Banco de Córdoba started offering Debit Mastercard to its clients, as a direct competitor to the Visa Débito card. However, this would not be a direct replacement of all Maestro cards in the Argentine market, since it will be analyzed with each bank. Australia In Australia, the Debit Mastercard is the main competitor to the Visa Debit cards provided by Visa Inc. The Debit Mastercard was first launched in Australia by Westpac in 2006 as an alternative card for the bank's Cirrus cardholders. Baltic states Swedbank has offered Debit Mastercard in Estonia since 2011, Latvia and Lithuania since 2012. Nordea has offered Debit Mastercard in Latvia since 2016. SEB has offered Debit Mastercard and Visa Debit for years equally in the Baltic states, but since March/April 2014 SEB decided to prefer Debit Mastercard as their main debit card, still somewhat offering also Visa Debit. Canada Debit Mastercard was launched in Canada in July 2016 with Bank of Montreal. Similar to most Canadian Visa Debit cards, BMO's Debit Mastercard is co-branded with Interac and operates solely over that network for point-of-sale transactions in Canada, but uses the Mastercard network for Internet and international transactions. Germany Deutsche Bank, Commerzbank, Norisbank, Consors Finanz, MLP, netbank, KT Bank, O2 Banking, Fidor Bank and N26 offer the Debit Mastercard to their customers. In Germany, the Debit Mastercard is a competitor to the national Girocard. Greece As of March 2015, all four major Greek banks offer a contactless Debit Mastercard to their clients. Eurobank Ergasias is replacing its Maestro line of debit cards with a new Debit Mastercard. The National Bank of Greece (NBG) started replacing its Maestro debit card with a new Debit Mastercard in March 2015. NBG is the last one of the four major Greek banks to offer a Debit Mastercard to its customers, and like Eurobank it only offers this debit card. The other two major Greek banks offer Debit Mastercard cards as well, but not exclusively. Piraeus Bank has added the option for