Virtual bank cards are gaining popularity due to their enhanced security and convenience for online payments. These solutions allow for the generation of unique card numbers for each transaction, thereby reducing the risks of fraud and hacking.
With an increasingly diverse range of options available, it becomes essential to compare the different choices. Some cards stand out for their low fees, while others are noted for their innovative features or integration with existing financial services. Identifying the best solutions allows users to fully benefit from the advantages offered by these modern tools.
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What is a virtual bank card and how does it work?
The virtual bank card is a modern innovation that meets the growing needs for security and convenience in online transactions. Unlike traditional physical cards, the virtual bank card is dematerialized. It enables payments via the Internet by generating specific information for each transaction.
How it works
- The information of the virtual bank card (number, expiration date, etc.) is created for each transaction or for a defined period.
- This method significantly reduces the risks of fraud, as the data cannot be reused.
- Users can set limits and validity periods for each generated number, thus providing additional control.
A striking example of this technology is the service CMB Virtualis, offered by Crédit Mutuel de Bretagne. This service allows for the generation of temporary card numbers for each online purchase, ensuring maximum security.
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Advantages
The main reasons to adopt a virtual bank card include:
- Increased security: the information is only valid for a single transaction or a limited period.
- Expense control: the ability to set specific limits.
- Protection against hacking: the data cannot be reused in case of theft.
The virtual bank card is an effective solution for those who wish to secure their online transactions while maintaining control over their spending.
Comparison of the best virtual bank cards on the market
Fortuneo Fosfo
- Price: Free
- Limit: €2,000/week
- Type: Mastercard Classic
- Debit: Immediate debit
- Conditions: No income requirement
- Free payments and withdrawals abroad: Yes
- Insurance: Adequate
- Virtual card: Yes
Revolut Standard
- Price: Free
- Limit: €100,000/month
- Type: Mastercard Classic
- Debit: Immediate debit
- Conditions: No income requirement
- Free payments and withdrawals abroad: Yes
- Insurance: Adequate
- Virtual card: Yes
- Cashback: Yes
Boursorama Ultim
- Price: Free under conditions
- Limit: €2,500 to €20,000/month
- Type: VISA Premier
- Debit: Immediate or deferred debit
- Conditions: No income requirement
- Free payments and withdrawals abroad: Yes
- Insurance: Good
- Cashback: Yes
Fortuneo World Elite
- Price: Free under conditions
- Limit: €3,000/week
- Type: Mastercard Infinite
- Debit: Immediate or deferred debit
- Conditions: Minimum net monthly income of €4,000
- Free payments and withdrawals abroad: Yes
- Insurance: Very good
- Virtual card: Yes
- Cashback: Yes
- Concierge service: Yes
Revolut Metal
- Price: €16.99/month or €165/year
- Limit: €100,000/month
- Type: Mastercard Premier
- Debit: Immediate debit
- Conditions: No income requirement
- Free payments and withdrawals abroad: Yes
- Insurance: Good
- Virtual card: Yes
- Cashback: Yes