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Virtual debit cards: What are they and where to get one

Virtual debit cards let you shop via online, phone or digital wallet without needing a card in hand.

Debit cards give you convenient access to funds in your checking account. And virtual debit cards let you do that without a physical card online or by using your smartphone at the checkout.

What is a virtual debit card?

A virtual debit card is essentially a digital version of a plastic debit or prepaid card. Like a physical card, your virtual debit card will have a 16-digit card number, expiration date and CVC code. If your bank offers a virtual debit card, it will send you the card via email or through your online account. From there, you can add the card to your digital wallet or use the virtual card’s number to pay for purchases online or over the phone. Banks don’t charge for virtual or physical debit cards — they come with the account.

Many virtual cards have randomly generated numbers for added security when shopping. If the number is compromised, you can quickly cancel the virtual card and generate a new number without losing access to your entire account.

Compare bank accounts with a virtual debit card

See banks with online checking accounts that offer virtual debit cards. Compare based on their opening deposits and ATM network for the most access.

Name Product Fee Minimum deposit to open Annual Percentage Yield (APY) Offer
BMO Harris Smart Advantage Account
Finder Rating: 4.7 / 5: ★★★★★
Bonus
BMO Harris Smart Advantage Account
$0 per month
$25
N/A
Get a $200 bonus when you open a new Smart Advantage account and have a cumulative total of $4,000 or more in qualifying direct deposits in the first 90 days
Earn a $200 cash bonus after $4,000 deposits in the first 90 days. Pay $0 monthly fees and no minimum balance. Access a large nationwide network of free ATMs.
BMO Harris Smart Money Account
Finder Rating: 4.5 / 5: ★★★★★
Bonus
BMO Harris Smart Money Account
$5 per month
$25
N/A
Get a $200 bonus when you open a new Smart Money account and have a cumulative total of $4,000 or more in qualifying direct deposits in the first 90 days
You’ll pay no monthly maintenance fee if you are under 25. It also offers no overdraft charges and no non-sufficient fund (NSF) fees.
BMO Harris Premier Account
Finder Rating: 3.4 / 5: ★★★★★
BMO Harris Premier Account
$25 per month
$25
0.01% on balances of $0.01+
Get a $350 bonus when you open a new Premier account and have a cumulative total of $7,500 in qualifying direct deposits in the first 90 days
Explore different relationship packages depending on your balance.
Chase Secure Banking
Finder Rating: 4.2 / 5: ★★★★★
Bonus
Chase Secure Banking
$4.95 per month
$0
N/A
New Chase checking customers enjoy a $100 checking account bonus when you open a Chase Secure Banking℠ account with qualifying transactions. Qualifying transactions include debit card purchases, Zelle®, ACH credits, Chase QuickDeposit℠ or online bill payments. Your bonus will appear in your account within 15 days after completing the qualifying transactions.
Chase Secure Banking offers no overdraft services. New Chase customers may qualify for a $100 signup bonus.
Chase Total Checking
Finder Rating: 3 / 5: ★★★★★
Bonus
Chase Total Checking
$12 per month
$0
N/A
New Chase checking customers enjoy a $200 bonus when you open a new Chase Total Checking® account and set up direct deposit.
Chase Total Checking is easy to use and gives you access to 16,000 ATMs and more than 4,700 branches. It offers a $200 signup bonus to new Chase customers
Chase Business Complete Banking
Finder Rating: 2.8 / 5: ★★★★★
Bonus
Chase Business Complete Banking
$15 per month
$0
N/A
New customers are eligible to receive a $300 bonus offer as long as they meet certain balance and transaction requirements.
This Chase business checking account has built-in card acceptance using a smartphone card reader. $300 bonus offer
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Compare up to 4 providers

Banks and accounts with virtual debit cards

These banks either give you a free digital debit card to use for purchases, or they allow you to control your debit card via their app.

BankHow does the virtual card work?How to control your card virtuallyGet a card / account
ChaseAdd your Chase debit card to a digital wallet like Paypal, Google Pay or Apple Pay from your Chase app.

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Jassby

Using the Jassby app, choose View card from the overview.

Use the card’s information for online or phone purchases or add to your digital wallet.

  • Lock, unlock or request a replacement card via app
  • Set spending limits
  • Get spending notifications for kids’ purchases
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Bank of AmericaRequest to replace your physical card with a digital debit card via the app’s Manage Cards section
  • Lock or unlock your debit card via app
  • Set daily limits on your debit card spending

Read review

Capital One

Add the Eno browser extension to your browser, then register your Capital One cards.

The Eno extension generates virtual card numbers linked to your physical card. Each merchant gets its own virtual card number, stored automatically with Eno for quick future purchases.

  • Lock or unlock your cards for security via the browser extension

Read review

Oxygen

Go to More / My Cards section in the app and Create a card.

Once saved, the card appears automatically in the app. You can tap to view the card’s details.

  • Set spending limits up to $2,500 via app
  • Set spending limits specific to one merchant.

Read review

MOVO

Access your digital debit Mastercard from the app as soon as you sign up for the account.

This virtual prepaid card is tied to a digital bank account.

  • Generate new virtual CASH card numbers for $2.95 each.

Read review

NetSpend®Create up to six virtual cards to use for shopping online or by phone.
  • Log in to your online account to create your virtual card. Select which prepaid card you’d like to link to the virtual card.
  • You can delete the virtual number once you’re done using it

Read review

PNC

Not technically a virtual card, all new PNC cards come with contactless technology, including cards issued with a PNC Virtual Wallet account. Simply tap the card to card readers with the EMVCo Contactless symbol.

N/A

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Revolut

Create up to 20 virtual cards and one disposable card by going to Cards > Add card > Virtual debit card.

Then, get the card information by going to Cards and tapping the eye icon.

N/A

Read review

How to get a virtual debit card

Get a virtual debit card in four steps:

1. Sign up for your prepaid card or bank account. Once you’ve chosen your prepaid card or bank account, follow the account’s prompts to apply for the account and sign up.

2. Receive the virtual debit card number. You should receive your card number via email or through your online account once the process is complete. The bank may also give you a virtual debit card in your bank app before it sends you the physical card.

3. Fund your prepaid card account. If you chose a prepaid card, you’ll need to load funds by linking the prepaid card account with another bank account or by depositing checks or cash, whatever the prepaid card account allows.

3. Add the card to your digital wallet or Paypal account, if you prefer. If you haven’t already, download the app for the digital wallet that you choose like Apple Pay, Google Pay or Paypal. Navigate to the Add payment method section and enter your card’s number and billing address. Some banks also let you add a card to your digital wallet and tap to use their ATMs, which is a feature called cardless ATMs.

4. Use your virtual debit card. Use the card by unlocking your phone and tapping to pay through your digital wallet, or by entering the virtual debit card number online or over the phone.

Benefits of a virtual debit card

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

  • Security. If you’re using a virtual debit 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 debit cards available to suit your online payment needs, and you can use a prepaid card or link it to your bank account or credit provider.
  • Currency options. Some providers also offer multi-currency prepaid debit cards, allowing you to save on currency conversion fees when buying from overseas retailers.

Drawbacks to a virtual debit card

Keep in mind virtual debit cards may not suit everyone.

  • May not work in person. Some physical stores don’t accept contactless payments yet, so there may be restrictions on where you can use a virtual debit card.
  • Card limits. Financial institutions commonly set limits for how much you can put on a contactless card in a single purchase, so keep this in mind when comparing your options.
  • Bypasses EMV chip technology. Using the virtual version of a debit card bypasses the chip technology that many physical debit cards provide for in-store purchases. However, digital wallets do assign your card with a different number than your actual debit card number for security purposes.

Bottom line

You can get a virtual debit card if your bank offers one or if you sign up for a prepaid card account that offers virtual cards. You can also use a virtual version of your debit card by adding the card details to a digital wallet like Apple Pay or Google Pay. These options are similar to virtual credit cards, which offer a different digital number than your real credit card for security purposes.

If you’re interested in using a virtual card, compare bank accounts to find one either with virtual or contactless payment options, or simply fill up your digital wallet on your phone and leave your physical card at home.

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