This change also led to the discontinuation of the Solo debit card.[16] In January 2009 First Direct and HSBC discontinued the use of Maestro cards, issuing Visa Debit cards to new customers and a gradual roll-out throughout 2009 to existing customers. In September of the same year, the British arms of the National Australia Bank, namely Clydesdale Bank and Yorkshire Bank, started the process of replacing the Maestro card with a Debit Mastercard for their current accounts, except for the Readycash and Student accounts, for which the Maestro card continued to be issued until 2015. Likewise, in the same month the Royal Bank of Scotland Group (Europe's largest debit card issuer which includes the NatWest, Coutts and Ulster Bank brands) switched from Maestro to Visa Debit, a process that took two years to complete.[17][18][19] This effectively meant that only a few smaller UK banks would be issuing Maestro cards.