Internet banking is one of the most convenient personal finance tools currently available and can help manage everything from regular payments to debit card spending.

While it was previously standard to expect a bank account statement every three months or so, with everything online people can now access their account details at any time.

Not only does this make it easier to manage money, it can also help track spending and develop better budgets as quickly as possible to maximise on convenience and savings.

Looking at different debit card payments can also help point out any bad habits, such as withdrawing cash from a non-bank ATM, and may be able to cut down on fees in the process.

Most debit card accounts will be linked to everyday banking options, which means that debit card spending will not be the only activity listed online, but there are a few steps that can be used to look at debit card activity more closely.

Internet banking tools and access can vary from bank to bank, but in general people will be able to access their debit card spending through the following process:

1. Log into the internet banking website
2. Select the account that you want to look at
3. Go to the full account history
4. Access display options; and
5. Select “debit” as the transaction type

This option will show you all the debits from the account, making it a lot easier to see when debit card charges have been made.

There may be other debits from the account, such as direct transfers, but it should be a lot easier to check what kind of debit card use is occurring.

Some internet banking services may have further customisation options that could help keep things organised, so it is worthwhile to become more familiar with your specific internet banking service.

The rise of technology like mobile wallets to help with banking has made it a lot more convenient to use debit cards for everyday purchases and internet banking is a tool that definitely complements these kinds of cards.

Finding a way to easily keep things organised can often seem like a time-consuming task, but with customisable internet banking options it is quick and simple to see exactly when and what your debit card is being used for.