Online application for a virtual debit card

What is a virtual debit card

Most of us are used to the physical format of a plastic card. Frequent card loss, as well as inconvenience in use, forces the owner to block the lost bank product and order a new bank card. By ordering online virtual debit cards, the owner of the bank product receives only the details of the payment instrument, including the card number and bank account. All information is sent to an email address or via SMS notification.

Currently, virtual cards are available only in a limited number of banking institutions. This is because the card requires expensive security equipment and compliance with the requirements set by regulatory authorities, particularly the Central Bank of Russia.

В большинстве случаев, задаваясь вопросом, как оформить онлайн дебетовую виртуальную карту, нужно помнить, что банковский продукт предназначен для оплаты товаров в интернет-магазине. Некоторые кредитные учреждения расширяют опции карточки, но данные функционалы пока что имеют «сырой» вариант исполнения. Это связано с тем, что не все кассы и терминалы способны принимать виртуалку без ограничений. Таким образом, если у вас есть виртуальная дебетовая карта Т-Банк Банка или другого учреждения, совершайте платежи только в дистанционном режиме управления, например, совершая покупки в интернет-магазине.

Five simple rules for making a purchase with a virtual debit card

After you apply for an online virtual debit card from Sberbank, the details of the banking instrument will be sent to your email address: card number, secret CVV code, details, full name, and expiration date. This data is sufficient to enter the information for placing a purchase in an online store.

1. Choose an online store that accepts virtual debit cards for payment. Make a purchase by adding the item to your cart and proceed to the checkout page.
2. After moving to the order payment field, fill in the data for the virtual debit card (you will receive all data in an email or in your online banking personal account).
3. Next, you need to click the "Pay" option, which will automatically send the information to the issuing bank to complete the transaction.
4. After this, you will receive a code or other information on your mobile phone number, which must be entered into the order form fields.
5. As a final step, the payment is confirmed, money is debited from the account, and the goods are fully paid for.

In accordance with the agreement, the bank issues both personalized and non-personalized virtual debit cards. When submitting an online application, it is recommended to check with the bank operator regarding the availability of basic and additional options for the banking product. The electronic card has the highest level of security compared to a physical medium due to a multi-stage remote identification system. Identification occurs in the form of receiving a code on a mobile phone number (SMS notification) or a similar code sent to your email address.

To start using a virtual card, you need to top up the card account. You can use mobile banking, internet banking, terminals, electronic wallets, etc. for top-up. However, not all banks offer a wide range of options for topping up a virtual debit card account. The crediting period to the card account ranges from instantly to several days. More exact crediting times for funds should be clarified with the partner processing the transfer to the virtual card account.

Important! There is a restriction on virtual cards regarding cash withdrawals. Cash withdrawal as such is impossible for this banking product. You can only pay with electronic money in an online store.

Personalized matching

We will find offers tailored to your situation

Leave your phone number, and we will show you options with a high approval probability and current terms.

• Verified offers
• No calls from managers
• Results delivered through your preferred channel

Website

Phone required

Email необязательно

I consent to the processing of personal data and the receipt of informational and promotional messages. Privacy Policy. Find offers

How to properly apply online for a virtual debit card

Choose a bank from the list provided by the financial services selection service that issues virtual cards; for example, there is a good offer for the MegaFon Bank virtual debit card. Follow the link to the bank's official page and submit an application. When applying for the card, you must provide the following information:

• Passport details – full name, place and date of birth, registration address, passport number and series.
• Provide a contact phone number that can receive and send SMS notifications.
• Provide your email address.

Next, you need to click the "Apply" button, after which the bank operator approves or rejects the application within a few minutes. After the application is approved, the card number, owner data, validity period of the banking product, and CVV code are sent to your email address. You do not receive any PIN codes. Next, you need to download the virtual card or enter the banking product details when placing an order in an online store. In the future, all transactions using the virtual card are carried out exclusively via phone and email, where a secret code to confirm the transaction will be sent.

An important point is the validity period of the virtual debit card. As a rule, the "lifespan" of the card is no more than 12 months. Some banks may reduce the lifespan of the banking product to 1 month or increase the usage period to 2 years. Upon expiration, you must apply to reissue the card. Annual maintenance is not provided for virtual cards due to the specifics of the banking product. However, some banks still set annual maintenance fees if there are additional loyalty programs—such as cashback or interest on the balance of your own funds.

Which virtual debit cards are in the TOP

It is quite difficult to determine the top leaders for virtual debit cards, as all banks offer identical conditions for using the banking product. However, we still recommend paying attention to the cost of annual maintenance and the card reissuing fee, if provided by the credit institution's marketing campaign.

1. QIWI Bank virtual card – no fees for annual maintenance and card issuance.
2. Pochta Bank, "Online Virtual" card – no maintenance or card issuance fees.
3. YooMoney card. It is recommended to order a physical card carrier, through which you automatically receive the virtual debit card details. To receive the banking product, you must undergo identification.
4. Promsvyazbank, "Virtual" card – issuance and annual maintenance cost 0 RUB.
5. Gazprombank, WebCard – a fee of 80-160 RUB is charged only for opening the banking payment instrument, no other payments are provided.
6. Alfa-Bank, "Alfa Virtual Card" – you will only be charged 49 RUB for opening the card, and subsequent maintenance is completely free.

Pay attention to the short lifespan of virtual cards. As a rule, such cards "live" for no more than 1 year. Some banks extend the validity period of the virtual card up to 2 years. Upon expiration of the banking product's operational term, you must reissue it.