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Virtual cards in Ireland

Get all the benefits of going cashless without carrying a card.

Physical cards in the form of debit cards, credit cards and prepaid cards give you convenient access to your funds. Virtual cards allow you to access your funds online or by using your smartphone at the checkout.

What is a virtual card?

A virtual card is essentially a digital version of a physical, plastic card. There are 3 different types of virtual cards:

  • Virtual debit cards
  • Virtual credit cards
  • Virtual prepaid cards

A virtual card is a number that you use to securely shop online — it can be linked to a prepaid account, bank account or credit card. These card numbers remain active for certain periods of time or can only be used for certain websites, so they can be more secure than using a single debit card for all of your online shopping.

A virtual card can also be held in a digital wallet, such as Apple Pay, Google Pay or another banking app. You access the virtual debit card from your digital wallet and pay using contactless payment technology just like you would with your physical card.

Compare a range of digital bank cards

1 - 20 of 31
Name Product Mobile view decorator Current Accounts Maintenance fee Fee period ATM transaction fee
Revolut Standard
  • Maintenance fee

    €0

  • Fee period

    Monthly

  • ATM transaction fee

    €1 + 2% per withdrawal
€0
Monthly
€1 + 2% per withdrawal

Sign up for Revolut through Finder and receive €10. Just sign up through Finder, top up your account and make your first card payment to receive €10 credit to your account.


Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account.
Money Jar Prepaid Mastercard
  • Maintenance fee

  • Fee period

    Monthly

  • ATM transaction fee

    €0.99 per withdrawal
Monthly
€0.99 per withdrawal
Spend only what you have with the Money Jar prepaid Mastercard, which allows you to make mobile, online and POS purchases.
Wise Multicurrency Account
  • Maintenance fee

    €0

  • Fee period

    Monthly

  • ATM transaction fee

    €0.50 + 1.75% per withdrawal
€0
Monthly
€0.50 + 1.75% per withdrawal
Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
N26 Bank Account
  • Maintenance fee

    €0

  • Fee period

    Monthly

  • ATM transaction fee

    €2 per withdrawal
€0
Monthly
€2 per withdrawal
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Revolut Premium
  • Maintenance fee

    €7.99

  • Fee period

    Monthly

  • ATM transaction fee

    €1 + 2% per withdrawal
€7.99
Monthly
€1 + 2% per withdrawal

Sign up for Revolut through Finder and receive €10. Just sign up through Finder, top up your account and make your first card payment to receive €10 credit to your account.

A combined current account and IBAN account with unlimited free currency conversions and international transfers in many currencies.
N26 You
  • Maintenance fee

    €9.90

  • Fee period

    Monthly

  • ATM transaction fee

    €2 per withdrawal
€9.90
Monthly
€2 per withdrawal
A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.
Revolut Plus
  • Maintenance fee

    €2.99

  • Fee period

    Monthly

  • ATM transaction fee

    €1 + 2% per withdrawal
€2.99
Monthly
€1 + 2% per withdrawal

Sign up for Revolut through Finder and receive €10. Just sign up through Finder, top up your account and make your first card payment to receive €10 credit to your account.

Enjoy purchase, event ticket and returns protection, plus other innovative features with this lower-priced subscription plan.
N26 Smart
  • Maintenance fee

    €4.90

  • Fee period

    Monthly

  • ATM transaction fee

    €2 per withdrawal
€4.90
Monthly
€2 per withdrawal
A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Revolut Metal
  • Maintenance fee

    €13.99

  • Fee period

    Monthly

  • ATM transaction fee

    €1 + 2% per withdrawal
€13.99
Monthly
€1 + 2% per withdrawal

Sign up for Revolut through Finder and receive €10. Just sign up through Finder, top up your account and make your first card payment to receive €10 credit to your account.

A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more.
N26 Metal
  • Maintenance fee

    €16.90

  • Fee period

    Monthly

  • ATM transaction fee

    €2 per withdrawal
€16.90
Monthly
€2 per withdrawal
Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
Wirex Standard
  • Maintenance fee

    €0

  • Fee period

    Monthly

  • ATM transaction fee

    2% per withdrawal
€0
Monthly
2% per withdrawal

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
Monese Classic
  • Maintenance fee

    €5.95

  • Fee period

    Monthly

  • ATM transaction fee

    2% per withdrawal
€5.95
Monthly
2% per withdrawal
A dual currency card designed for travellers with no foreign currency fees up to €2,000 per month and foreign transfers in several currencies.
Monese Premium
  • Maintenance fee

    €14.95

  • Fee period

    Monthly

  • ATM transaction fee

    2% per withdrawal
€14.95
Monthly
2% per withdrawal
A premium card with no fee for international payments, no foreign currency fees and unlimited ATM withdrawals at home and abroad.
bunq Easy Green Personal
  • Maintenance fee

    €17.99

  • Fee period

    Monthly

  • ATM transaction fee

    €2.99 per withdrawal
€17.99
Monthly
€2.99 per withdrawal
An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every €100 you spend.
bunq Easy Money Personal
  • Maintenance fee

    €8.99

  • Fee period

    Monthly

  • ATM transaction fee

    €2.99 per withdrawal
€8.99
Monthly
€2.99 per withdrawal
A card linked to up to 25 individual IBAN accounts. Earn interest on all money in your account and benefit from competitive rates and fees.
SWIRL Prepaid Mastercard
  • Maintenance fee

    €0

  • Fee period

    Monthly

  • ATM transaction fee

    €1.50 per withdrawal
€0
Monthly
€1.50 per withdrawal
A secure, prepaid card that lets you manage and spend your money globally. Use in-store and online at over 30 million locations worldwide.
VIABUY Prepaid Mastercard
  • Maintenance fee

    €1.66

  • Fee period

    Monthly

  • ATM transaction fee

    €5 per withdrawal
€1.66
Monthly
€5 per withdrawal
A prepaid card that allows you to make free online payments to cover bills or worldwide shopping.
AIB Basic Bank Account
  • Maintenance fee

    €0

  • Fee period

    Monthly

  • ATM transaction fee

    €0
€0
Monthly
€0
A standard current account available to anyone 16 years and over with international transfer functionality and no maintenance or transaction fees for the first year.
Bank of Ireland Graduate Current Account
  • Maintenance fee

    €0

  • Fee period

    Monthly

  • ATM transaction fee

    €0
€0
Monthly
€0
A graduate current account that you can apply for if you have graduated from full-time third level education in the last three years. Get cashback rewards from top brands when registering your Visa debit card with Live Life Rewards.
AIB Graduate Account
  • Maintenance fee

    €0

  • Fee period

    Monthly

  • ATM transaction fee

    €0
€0
Monthly
€0
A convenient graduate account which may let you qualify for a €1,000 interest free overdraft. No maintenance and transaction fees apply.
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Compare up to 4 providers

What are the benefits of a virtual card?

Using a virtual card has a number of advantages, including:

  • Security. If you’re using a virtual card that generates a random card number, this will help keep your funds secure when shopping online.
  • Convenience. You won’t need to bring a physical debit card with you to complete transactions in-store. You can pay with your smartphone.
  • Speed. You won’t need to wait for a card to be delivered when you sign up for a new account or if your card expires. With the new digital banks, you may be able to use your virtual card as soon as your account is active.
  • Card options. There are single- and multi-use virtual cards available to suit your online payment needs, and you can use a prepaid card or link it to your bank account or credit card provider.
  • Currency options. Some providers may offer multi-currency prepaid debit cards, allowing you to save on currency conversion fees when buying from overseas retailers.
  • Rewards.

What are the drawbacks to a virtual card?

Keep in mind virtual cards may not suit everyone. Remember that:

  • Prepaid virtual cards will have card limits. If you choose a prepaid card, it will have limits on the amount of funds you can hold on the card. Consider if these limits are too restrictive for you.
  • You may have transaction limits. Banks commonly set limits for how much you can put on a contactless card in a single purchase.
  • The virtual card’s shelf life. Getting a refund onto a virtual card originally used for a purchase when the virtual card details have since expired.
  • No cash withdrawal. As there’s no physical card, you won’t be able to withdraw money with it. It’s solely for online purchases.

How do I use a virtual card?

It depends on the type of virtual card you choose.

Virtual debit cards

If you opt for a virtual debit card that can be loaded into a digital wallet, you’ll need to have a bank account that offers this option. Once you’ve opened the account and have the physical card, you can download your chosen digital wallet and add the card to it to start spending your funds. The bank may also be able to give you a virtual debit card in your bank app before it sends you the physical card.

Virtual credit cards

If you choose a virtual credit card for online shopping, just sign up online and follow the online process. You should receive your card number once the process is completed, which you can use to start spending. You may be able to link this card to a PayPal account or bank account or you may need to load funds to the virtual card account itself. Remember that interest will be added to your virtual credit card the same way interest can build up on a physical card if the balance isn’t paid off in full each month.

Virtual prepaid cards

Virtual prepaid cards are similar to virtual debit cards and virtual credit cards. However, rather than having an overdraft facility or a line of credit, you add your own funds onto a virtual prepaid card. This means you can never overspend more than your balance and can’t accrue interest. There may still be other fees applied such as registration fees, top-ups and monthly fees.

Bottom line

Virtual cards are quickly gaining in popularity, but it’ll be a while before they are accepted everywhere. If you’re interested in using a virtual card, make sure to compare your options to find institutions with virtual card options.

Frequently asked questions

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