Issue personalized virtual cards. Virtual cards - what is on the market? Where are virtual cards accepted?

Operations with electronic money no longer surprise anyone. But it is very difficult to figure out which card will offer Better conditions will help save your money.

Gazprombank: description of the MasterCard WebCard program

This is an instance of an international payment instrument. There is no magnetic stripe. The product is specially designed so that users can pay for payments in online stores and not worry about their security. To apply, you must visit main office or one of the branches. All details for making payments are provided to the citizen immediately after the registration is completed.

Replenishment is available in several ways: transfer of funds from the main account, through the payment terminal and through the cashier. The card itself belongs to the so-called multi-currency varieties. There are the following features that users may encounter during operation:

Validity - 1-2 years.
85-ruble commission for the issue. Reissue is also paid at this rate.
160 rubles is the issue / reissue when it comes to additional copies.
An account statement from this bank costs users 50 rubles.

When debit card is used when making transactions and working with online stores, then no additional fees are charged. If desired, you can activate the SMS notification service. Many virtual Visa and MasterCard cards work according to this scheme, the service is connected to any option for free.

Rosselkhozbank: MasterCard Virtual

This is a kind of cards that is not issued on physical media at all. Even for the development of a special design, bank employees do not undertake. Details are issued only to the client, using a bank check. Or you can get them online. The card supports multiple currencies. And it is issued only to accounts that were opened earlier. A debit card is issued either at the office or at the nearest machine.

Use is associated with some features. It should be noted here:

connection of the SMS notification service, if necessary;
the inability to unblock the card if it has already been closed once;
high degree of security due to the use of a 3-D password;
no commissions when paying for online purchases;
use of several currencies during storage;
the card is closed automatically, for the last day in the next month after the month when the opening took place.

The short duration is just the main drawback.

MasterCard from Sberbank

In this case, the absence of a physical carrier is also characteristic. But at the same time, Sberbank still created a special design for this payment instrument. A great option for those who often buy online. Any data on transactions is displayed in the Internet service of the bank itself. Debit virtual cards are issued without problems to customers who already use any of the institution's services. The parties only have to sign the contract before the details of one of them are transferred.

When used, the following features are characteristic:

availability of all functionality included in the Mobile Bank program;
managing funds through an account in the Sberbank Online system;
Optionally, SMS notifications can be connected;
the ability to link to the wallet in electronic form;
annually, 60 rubles are deducted from the client for service;
only rubles are supported;
before three years generally expires.

Only one copy of the virtual type card can be entered for each client.

PromsvyazBank: virtual paid Visa card

To issue a card, it is not necessary to have the status of an active client of this institution. But it is this status that will allow you to go through the procedure for concluding an agreement in simplified procedure. With this option, online shopping will also be beneficial.

The main points for clients are as follows:

Free use of PSB-Retail functionality.
If replenishment is carried out from an account with Promsvyaz Bank, then it will be free. But there is a 1.9% fee for using other structures.
Possibility to block the card if it is no longer needed.
Regular customers can count on limits up to 300 thousand, and for other categories of citizens they reach up to 15 thousand.
New users will face a monthly transaction limit of 40,000 rubles. Regular customers do not face such restrictions.
Optionally, you can use SMS-informing.
Valid for only three months. Virtual card MasterCard is not yet issued free of charge in the institution.

Visa Virtual: an offer from the Bank of Moscow

It is also used when making any payments through online stores. Replenishment is carried out in any way that will be most convenient for the user. These are postal orders according to the standard scheme, transfers from other banks.

When receiving cards, certain requirements are imposed on customers:

connection with an account that is already active;
registration with a 60-ruble commission;
the application is made immediately at the branch, after receiving the details;
having the status of a "streaming client".

As for the terms of use, they are described as follows:

SMS informing. During the first two months it is free. Starting from the third, 49 rubles are charged for it every 30 days.
Blocking and unblocking are free of charge.
The spending limit each month is up to 15 thousand rubles.
Service costs 60 rubles.
Retention of action for six months. It is not difficult to create a virtual Mastercard card.

Until the moment when the main validity period ends, the client can renew it. The virtual account ceases to be valid at the same moment as the main one. It doesn't matter when the last renewal took place.

Alfa-Bank: Master Card Virtual

The card helps customers to protect themselves when carrying out any transactions using the services of online stores. This payment tool can be received by a client who has registered in the Alfa-Click system or purchased a card from the same bank.

The features of the card itself will be as follows:

Free SMS alert connection.
Support only rubles as the main currency.
Management using the Alfa-Click functionality.
Replenishment using any convenient scheme.
The issue price is 49 rubles.
You can not do without connecting to a debit type account. Virtual bank card is a handy tool for everyone.

MasterCard from Yandex.Money

The card is issued free of charge, and the document is officially valid for one year. Among mandatory conditions- binding to a phone account number. If the user remains anonymous, he will not be able to pay when using the services of online stores abroad. Limits for transactions - 40 thousand for the whole month, 15 thousand at a time. If the wallet is personalized, then the owner can spend 60 thousand rubles once, and up to 200 thousand rubles in just 30 days. Identified cards have even fewer restrictions - a one-time 250 thousand and a monthly six million. You no longer have to figure out what a virtual card is, what it is for the buyer.

Features of the Visa card from Qiwi

Virtual cards are convenient because they make paying for services and goods on the Internet even easier, accessible to absolutely everyone. Visa card from Qiwi systems occupies one of the leading positions in this area.

This tool remains valid for two months and requires the opening of a separate account. At the same time, several cards can be linked to the same wallet at once. On Qiwi Visa Virtual a minimum face value of 30 thousand rubles or a thousand dollars is paid, but this amount is distributed over the entire period of validity. The issue costs 2.5% of the deposited amount. Usually the commission is 25 rubles and more. If you want to issue a card with support for dollars, then you deposit 1 dollar.

There is also a second card, which is simply called Qiwi Visa Card. She also has her own conditions, namely:

Binding to a Qiwi wallet account.
Additional fees are not required in connection with registration and maintenance.
Valid for two years.
When using rubles, the limit is 600 thousand, and in dollars - 1000.

The main convenience of virtual cards is the inability to spoil something. There are only details that are transferred to a specific person. In fact, this is a kind of cloud technologies that Internet communications allow you to work with. There are the following benefits that will be available to the holders of such cards:

Lack of physical media leads to the fact that the card itself cannot be stolen. The other person simply won't be able to use the details.
There is also no PIN. This also leads to the fact that strangers cannot use the funds tied to a particular account.
Storing details as a combination of numbers. And it is difficult to recognize it, because it is not printed anywhere. The numbers are stored in a special virtual registry or transferred only to the user himself. Receiving data involves using the online mode or visiting the office.
Creating limits on the money used- from additional security measures. Any virtual Visa debit card has this advantage.

Most virtual cards are debit cards, not credit cards. That is why it is so important to limit the possibility of making calculations. Especially if the information still fell into the hands of attackers.

Finally, virtual cards are created in just a few clicks. It's no more difficult than getting yourself a virtual mailbox. The most popular option is prepaid cards, that is, when a client deposits a certain amount into his account in advance. At the same time, it is not even required to conclude additional agreements when issuing. Therefore, the name of the cardholder is not a mandatory requirement, everything is done anonymously.

Promsvyazbank

MasterCard Virtual from Promsvyazbank is a prepaid payment instrument. An application for the issue is made through the PSB-Retail online service ( My bank — Cards). For clients of a financial institution, the maximum denomination of MasterCard Virtual is 300 thousand ₽, for other potential holders - 15 thousand ₽. You can familiarize yourself with the rules and tariffs on the bank's website.

Advantages of a card without a material carrier:

issuance and receipt of payment details instantly
fee for issuing in the Internet bank from an account or card of another bank
free SMS-informing services and 3D-Secure
issuing a card with the necessary limit for each purchase
replenishment of the card account via Internet banking
Each card is valid for 3 months

Virtucard from Russian Standard Bank

Virtu Master Card

The card is valid for up to 6 months, the possibility of free issue

A virtual card of Russian Standard Bank can be ordered in several ways: on the bank's website (for a fee), in Internet banking, mobile banking, self-service devices and partner cash desks. The account must be within 100₽-100 thousand ₽. Holders participate in the Discount Club program, which targets hotels and restaurants.

Mastercard Virtual from Alfa-Bank

MasterCard Virtual is received through the Alfa-Click online service. Its release is worth 49₽ and the annual service is free.

It is possible to open with a set limit for making only one transaction, after which the payment instrument can be deactivated and closed. Payment instrument operates on the basis of the same tariff plans as the plastic one.

Visa and Mastercard from Sberbank

It is issued in the personal account of the Sberbank-Online Internet service. Additional copies are not issued, but it is possible to issue two versions for one client (one copy from each of the Visa and MasterCard payment systems). Tariff plan is pilot.

Step-by-step instructions for issuing a Sberbank card without a material carrier:

log in to your Sberbank Online account
follow this link Application for a virtual card
In chapter Map type select a map
in field Currency- rubles, dollars or euros
the field with the name is filled in automatically
enter a phone number in the field Mobile phone; service will be connected to it Mobile bank”, that is, all passwords and notifications will be sent to it
in field Operator mobile communications enter the name of the telecom operator by clicking on the link Select from directory
indicate the rate in the section Rate mobile bank : Full or Economy (no monthly fee charged) subscription fee, but there are no operation notifications)
click Submit an application
confirm the application and the correctness of the entered data with the code from the SMS

Visa from QIWI

Qiwi Visa virtual card

— overall balance cards and wallet

- payment on any site on the Internet

— availability of details for payment in the wallet

Virtual card QIWI Visa Card is created to open . You can make it in your personal account. Its details are sent to the holder via SMS. Content limit Money – 15 thousand ₽, to pay for goods in online stores - 40 thousand ₽ for one calendar month.

Account management services

In order to make transactions without hindrance and control the state of the account, the virtual card must be serviced in the online services of the issuing bank. These are Internet banking, SMS banking and Mobile Banking.

Safety of use

Visa and MasterCard virtual cards have more protection unlike the plastic equivalent. In order to make a payment, you will need to enter and confirm the payment one-time password- he will come to the number mobile phone holder in response to a transaction request.

An important role is played by the fact that full information details and a three-digit code is not visible to third parties, as it happens when paying at a stationary checkout of a store. All information - payment instrument number, expiration date and three-digit code can only be seen by its owner. In addition, he can set limits on the amount of expenses, which, in the event of a “hacking” of the card, will prevent attackers from writing off a large amount of money.

An additional measure of protection for a virtual card is the special security technologies Verified by Visa and MasterCard Secure Code.

Benefits

A virtual card provides its owners with a number of advantages:

multi-level account protection system against criminal encroachments
validity period and limit on operations are set by the owner
registration without the need to visit a bank branch
universality in comparison with electronic wallets, which not all online stores accept for payment
no need to wait for the bank to manufacture the product and send it to the nearest branch (as it happens with the plastic version) - the virtual card is issued instantly

The main advantage of virtual cards is their versatility. With the help of such a card, it becomes possible to pay for purchases in online stores of any country in the world.

Also a positive point is the convenience of obtaining without having to visit a bank branch. This operation can be carried out using a mobile phone, the Internet or an ATM. Receiving card details is carried out almost instantly.

Safety in use is also very important to customers. Virtual cards exclude the possibility of various kinds of fraud associated with the transfer of details. You can order such a card with the presence of any amount of money on it that can be spent by making just one payment. It is almost impossible to steal money from such a card.

Minuses

The negative aspects of using virtual cards include the impossibility of using them to make payments at ordinary ATMs and stores, some restrictions on the use that the bank sets, namely: a fixed payment limit and a short card validity period.

Operations with electronic money have become commonplace. To protect their funds, applicants are willing to choose the best virtual debit cards of 2019. Your attention is the TOP eight offers from domestic banks.

MasterCard WebCard from Gazprombank

Debit MasterCard WebCard from Gazprombank is an international copy without a magnetic stripe. The product is designed for secure payment in online stores, online services.

WebCard is issued directly at the office or branch of Gazprombank. At the time of receiving the WebCard, the citizen is provided with details.

You can replenish MasterCard WebCard:

through the cashier;
through a payment terminal (restriction per transaction - 15 000 );
by transferring funds from the main account.

This is a debit multi-currency card. Features of its use are as follows:

valid 1-2 years;
commission for issuing/reissuing the main card – 85 rubles;
commission for issuing/reissuing an additional copy – 160 rubles.

By paying 50 rubles You can get an account statement.

When paying with a debit card for purchases on Internet services, the transaction fee is not charged. Additionally, the SMS notification service is connected.

MasterCard Virtual offer from Rosselkhozbank

Virtual MasterCard Virtual cards are not issued on physical media. Rosselkhozbank has not even developed their design. The client receives all the details on a regular ATM check or in the Internet Office system. This is a multi-currency option. The card is issued to previously opened accounts.

Adult customers of Rosselkhozbank can receive a debit option through:

ATM;
internet office.

Usage features:

validity period - closes automatically on the last day of the month following the month in which the card is opened;
the ability to hold funds in several currencies;
No commission is charged for online purchases;
security - a 3-D password is issued;
after blocking, it is impossible to unblock the card;
SMS service is available.

Conditional disadvantage banking product from Rosselkhozbank is its validity period.

MasterCard from Sberbank

Virtual debit card MasterCard Sberbank is not issued on a physical medium. Although Sberbank designed its design. This option is suitable for paying for services, goods purchased in online stores. The data is reflected in personal account user of the Sberbank Online system.

Bankers issue a debit option to their current customers. Before issuing details, the parties sign an agreement.

Features of using the debit option:

validity - 3 years;
currency - rubles;
maintenance cost - 60 rubles annually;
can be linked to an electronic wallet;
connection of sms-alerts (optional);
managing funds through Sberbank Online;
Mobile banking functionality is available.

Each Sberbank client is entitled to issue only one virtual debit card.

Prepaid virtual Visa card from Promsvyazbank

The Bank issues virtual Visa cards to persons who are not current clients of Promsvyazbank. To do this, they go through a simplified registration. The option is suitable for online shopping.

Key points when using:

validity - 3 months;
SMS-informing - connected at will;
the maximum amount of financial transactions per month - 40 000 for new users, for regular customers - unlimited;
card limit - 300 thousand for regular customers, for new users - 15 thousand;
the possibility of blocking;
replenishment fee - 0% from Promsvyazbank account, 1,9% from accounts of other banking institutions;
free use of PSB-Retail functionality.

Offer of VTB Bank of Moscow Visa Virtual

The virtual debit card Visa Virtual from VTB Bank of Moscow is used for online payments. It is replenished by any common method, including transfers from other banks, as well as postal orders Russian Post.

Requirements for obtaining a card:

the presence of the status of "streaming client";
filing an application for receipt at the department;
payment 60 rubles as a processing fee;
link to a valid account.

validity - 6 months;
maintenance cost - 60 rubles;
monthly spending limit 15 000 ;
possibility of free blocking/unblocking;
SMS-informing - the first two months are free, starting from the third - 49 rubles.

You can extend the term of Visa Virtual until the main card expires. The virtual account expires at the same time as the main account, regardless of the date of the last renewal.

MasterCard Virtual from Alfa-Bank

To protect its customers during online settlements, Alfa-Bank has developed MasterCard card virtual.

Get a debit copy can:

owner of an active Alfa-Bank card;
registered user of the Alfa-Click system.

Alfa-Bank card features:

opens to a debit account;
release fee - 49 rubles;
replenishment - in any convenient way;
management - using the Alfa-Click functionality;
currency - rubles;
SMS notification is free.

BankOK from AK BARS Bank

The BankOK virtual card issued by AK BARS Bank can be used for international payments, since these are MasterCardWorldwide and Visa International cards.

To get BankOK from AK BARS Bank you need:

have active card with SMS informing;
use the "AK BARS Online" service.

Features of using BankOK:

validity - year;
payment limit - from 15 thousand;
the cost of a mini-statement - 10 rubles;
processing fee - 20 rubles;
SMS informing - 10 rubles monthly;
free blocking by the user;
cash withdrawal fee 2%.

There are two variants of BankOK:

non-personalized - with a limit from 15 thousand to 100 thousand;
personalized - with a limit from 100 thousand.

Fora Virtual from Fora-Bank

This product is issued in addition to the user's real plastic card in the same currency. It is not required to replenish Fora Virtual, it is attached to the account of the main card and spends funds from there. The validity period of Fora Virtual is limited by the period of validity of the main card, but the maximum can be up to one year. It is allowed to issue up to 5 additional virtual cards at a time for one real plastic.

The conditions for using such a virtual payment instrument are very favorable:

Free issue and maintenance throughout the validity period;
Free reissue due to the expiration of the validity period, and if the main card is lost or fell into the hands of scammers, only 50 rubles must be paid for reissuing a virtual card linked to it;
For SMS notification expenditure transactions there is no additional charge.

The card is intended only for non-cash transactions - transfers and payment for various purchases. It does not provide for cash withdrawals.

Commissions and restrictions

Intrabank transfers from this card are free of charge, interbank transfers are charged in accordance with the terms of service of the main card.

The maximum amount of one transfer is 33,000 rubles;
Daily limit for transfers - 96,000 rubles;
There are no limits on payment for goods and services by default, but the user can set them independently if necessary.

Important! MasterCard has banned payment systems from issuing cards for non-EU residents. That is, anonymous MasterCard cards are no longer available to residents of the CIS.

Each state seeks to control its citizens as much as possible, including their financial transactions. But there will always be people who want to remain incognito for all sorts of controlling organizations.

It’s easy to be financially anonymous these days, especially with the widespread use of cryptocurrencies. And offshore cards are convenient way anonymously withdraw money earned on the Internet, remaining unnoticed tax service and without fear of blocking your bank account by the security service.

In order to remain invisible to the regulatory authorities of the government of your country, it is not necessary to use a bank card located in offshore zone. It is enough to use the services of a bank in another country that does not transfer data to anyone (exceptions can only be at the request of Interpol).

In this article, I decided to compare several popular anonymous cards, which can be ordered by any citizen of the countries of the former CIS.

Comparison of offshore plastic cards.

A little about offshore bank cards.

Cards are issued by international payment Visa systems and MasterCard, so most often the main currency is euros, dollars or British pounds.
It is most profitable to use cards if you receive money in dollars or euros and plan to withdraw them in these currencies. The fact is that when withdrawing a currency that differs from the main currency of the card, you will be charged additional commission at least 2% per exchange. In addition, the exchange will take place at a very unfavorable rate for you.
Most of the commissions charged for conducting transactions are fixed, and not a percentage of the transaction amount. And this means that it is more profitable to transfer to a card and withdraw large sums money. So, when withdrawing from $1,000, the commission can be less than 0.5%.
When using some cards, you will have to pay for transactions that you have already become accustomed to using for free. ordinary banks, for example: changing the PIN code, checking the balance, closing the card, etc.

Offshore Payeer MasterCard.

The most popular anonymous payment system in Runet offers you to purchase plastic card Payeer MasterCard.

It can be ordered by both a verified user and an unverified one. But in the event that you do not verify your identity, you will have a $1,000 limit on ATM withdrawals and $1,500 on online purchases. Once you have collected this amount, you will need to send a scan of your passport to confirm your identity and increase the limits.

The card is issued for free, but shipping will cost $9. You can shorten the delivery time by using Express Shipping for $35. The validity of the card is 3 years.

A transfer to a card from a wallet is subject to a commission of 2.9% + $0.99. And when withdrawing money, you will have to pay a commission of 1.99 - 3.5 dollars. And if you decide to withdraw money in another currency, then pay an additional 2.5% for currency exchange.

Money held on Payeer Platinum MasterCard is insured by IADI ( European system deposit insurance) in the amount of EUR 100,000. This means that if the bank closes, the money will be returned to you.

Transfer from WebMoney cannot be carried out either directly or through exchangers. Therefore, the only option is to make the transfer transit using additional currency. For example, transfer WMZ to Advanced Cash, and from there to Payeer.