Modern financial technologies allow you to use banking services without needing to visit a bank office.
One of the most convenient tools for online payments is a virtual card.
It’s perfect for online shopping, subscriptions to services, and safe payments abroad.
In this article, we’ll explore how to open a virtual card online, its advantages, and how to get one without visiting the bank.
What is a Virtual Card and What Is It For?
A virtual bank card is a digital version of a regular payment card, but without the physical carrier. It has a number, expiration date, CVV code, and other details necessary for online payments.
Who Can Benefit from a Virtual Card?
- Those who frequently shop online and want to protect their main accounts.
- Those who pay for subscriptions to Netflix, Spotify, ChatGPT, and other services.
- Freelancers and businesses that need a convenient virtual card for receiving international payments.
- Those who want to make safe payments abroad by using a virtual card for payments outside their country.
How to Open a Virtual Card Online?
You can get a virtual card from a foreign bank in just a few minutes without leaving home. Here are the basic steps:
- Choosing a bank or payment service. Pay attention to the fees, account currency, and supported countries.
- Registration. Typically, you’ll need to provide passport details, but some services allow you to open a virtual card without visiting a bank.
- Adding funds. Usually, you can transfer money to the card from another bank account or through cryptocurrency.
- Using the card. After activation, you can start making online purchases or link the card to Apple Pay/Google Pay.
Benefits of a Virtual Card
- Security. Virtual cards reduce the risk of fraud, as they can be quickly blocked or replaced with a new one.
- Convenience. You don’t have to wait for a physical card — you can get a virtual card in just a few minutes.
- Flexibility. You can create multiple cards for different purposes, such as subscriptions or international transfers.
- Anonymity. Some virtual cards from foreign banks allow you to hide the real owner’s details.
How to Get a Virtual Card at SharPay?
SharPay offers a simple and fast way to get virtual cards for both business and private individuals.
Why Choose SharPay?
✔️ Fast setup — you can get a virtual card in just a few minutes.
✔️ Support for international payments and various currencies.
✔️ Full transaction protection and data confidentiality.
Get your virtual card right now!
Ready to make secure and convenient online payments? Open a virtual card online at SharPay and start shopping without limits!
Can you use a virtual card in a store?
Yes — with one condition: the card has to be added to a phone or watch wallet, because there is no plastic to hand over. Once it is in the wallet, a virtual card pays at any contactless terminal exactly like a physical one, and the payment is confirmed by your face or fingerprint instead of a PIN. What a virtual card cannot do is dispense cash at an ATM or work at the rare terminal that still needs a chip inserted.
How to use a virtual card, and what it is good at
- Online shopping. Number, expiry and CVV are entered the same way as with plastic — this is what the card is designed for.
- Subscriptions. Give each service its own card; cancelling a payment stream is then closing one card, not calling a bank.
- Unfamiliar sites. Load only the purchase amount, and a leak costs you that amount and nothing else.
- Travel. Issued in seconds abroad if a card is lost, with no waiting for delivery.
- In-store payment through the phone wallet, as described above.
Virtual card benefits over a plastic one
The advantages are not cosmetic: a virtual bank card exists in seconds rather than days, several can be held at once with separate limits, each can be closed without touching the account behind it, and the number never travels through a courier. The cost side is published — issuing 1.00 EUR, monthly service 3.00 EUR, purchases in stores and online with no fee, currency mark-up 2.99 % on the card against 1.00 % when you convert on the account first.
Cards are issued to a wallet balance: see virtual cards for the product and the wallet for the balance they draw on.