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Выбирал между несколькими банками, остановился на «Дебетовая карта «Мудрость» от МКБ». Условия совпали с тем, что было на сайте, заявку обработали без задержек. Минус — не сразу попался раздел про досрочное погашение, пришлось искать в договоре. Если продукт нужен без спешки, можно брать.
Оформление по «Дебетовая карта «UnionPay Diamond» от Газпромбанка» заняло меньше времени, чем ожидалось: заявку рассмотрели быстро, деньги пришли в тот же день. Из минусов — итоговую переплату сразу не видно, пришлось считать. Еще стоит заранее уточнить про досрочное погашение. Для срочной ситуации вариант рабочий, но без запаса по бюджету брать не советую.
Из нескольких похожих вариантов больше всего по платежу и сроку подошел «Дебетовая карта «Mir Supreme» от Газпромбанка». Условия понятные, все есть в договоре. Не понравилось, что итоговая сумма выше, чем выглядит в рекламе. Поддержка отвечает нормально, но по дополнительным услугам лучше переспрашивать.
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Virtual debit cards can be a convenient and useful tool. For example, they can come in handy if you frequently pay for purchases in various online stores. In that case, you are better off getting a virtual card and paying with it. So if you end up on a fraudulent website, you will not lose all your savings from your main card. And you can simply block the digital card and, if necessary, issue a new one.
Features of virtual debit cards
The features of virtual debit cards include:
- Security. A virtual card has no physical medium, so it cannot be stolen or lost, and the holder carries out all transactions with it via the Internet, which eliminates the risk of fraud using counterfeit cards.
- Ease of use. To use a virtual card, you do not need to open a separate bank account or obtain a physical medium — the holder creates the card and activates it through online banking or a mobile app.
- Expense control. A virtual card allows you to control your spending, since the user can track all transactions via a mobile app or online banking.
- Validity period. Most virtual cards have a limited validity period, ranging from six months to a year. Then, if necessary, the holder can issue a new card.
- Maintenance cost. As a rule, virtual cards do not have an annual maintenance fee. However, some banks may still charge a small commission for using the card.
Which banks offer virtual debit cards in 2024
In 2024, you can get a virtual debit card from the following banks, for example:
All Inclusive debit card from Fora-Bank 
VTB Debit Card for Life Who can get a virtual debit card
Bank customers who already have open current accounts and hold debit or credit cards can get a virtual debit card.
How to get a virtual debit card
Getting a virtual debit card is quite simple. To do this, you need to:
- log in to the credit institution's online bank or mobile app;
- go to the debit cards section;
- find the virtual card and click the "Get" button;
- fill out a short application form;
- confirm the issuance of the virtual card.
Pros and cons of virtual debit cards
The advantages of virtual debit cards include:
- security of use;
- simplicity and speed of issuance;
- ability to track all income and expenses;
- no annual maintenance fee.
Among the disadvantages, we can highlight:
- inability to withdraw cash if ATMs are not equipped with contactless service systems;
- short validity period;
- difficulties in refunding funds in case of data compromise.
