Yes, you can swipe money at any time, but there are very few places in Italy and France where you can check your balance. Switzerland's finance is very developed and it is very convenient to use credit cards. There is no need to check the ID card and passport when swiping the card. If they need to be checked, wouldn’t the waiter be exhausted? In addition, when using a credit card in Europe, you do not need to enter a password like in China. When using a credit card in Europe, you do not need to enter a password, you need to sign, and the waiter will check your signature. Only debit cards require a PIN. But one thing is, as far as I know, Visa does not seem to have a debit card. So I guess your debit card is from UnionPay. In this case, in Europe, especially Switzerland, France, and Italy. There are very few places where UnionPay cards can be swiped. France might be better. In Switzerland, it is estimated that only very famous scenic spots or very few shops on Bahnhofstrasse in Zurich can do this. in addition. Don’t rely too much on swiping your card. In these places, especially in Switzerland, it would be quite useful to have extra Swiss franc coins.