How to open a virtual Visa card: all possible ways to create a card. Virtual card with real money

Hello dear readers!

In this article we will talk about virtual cards. Today, many banks and payment systems issue virtual cards. Let me figure out why you need a virtual card at all, how to use it and which VKs are better?

Why virtual cards are needed

E-commerce and digital money are growing faster than the global economy. Already today, many people are increasingly shopping on the Internet, and we only go to a real store for groceries.

It is very convenient to select the desired product directly from your screen, view reviews and immediately pay for it. Whether it's a small keychain, a new cell phone, a bathroom cabinet, whatever. In fact, now there are already real estate transactions, discussion and conclusion that take place online.

Virtual cards are once again designed to help us manage our finances online. A digital card is useful to us both for earning and for shopping. Well, if necessary, we can always make a regular plastic card, the balance of which will duplicate the balance of the virtual card.

And yet, the digital version of the card has several advantages over the plastic one.

Virtual card: pros and cons

First of all, a virtual card is usually cheaper than a plastic one. This is understandable. Issuers (those who issue the card) do not need to spend money on production, storage and employees who will distribute cards. Often, virtual cards are generally free. But we'll talk more about this below.

Secondly, a virtual card cannot be lost, bent, forgotten in a trouser pocket and washed 🙂 It cannot be physically stolen. At the same time, the security of a virtual card is exactly the same as that of a regular one (there is also a link to the phone and a pin code, if necessary).

Thirdly, you do not need to go to the bank for a virtual card. It can be obtained online.

Fourth, virtual cards can be anonymous. If you have enough limit of 15,000 rubles for the operation, then you do not need to transfer personal information to the bank (or payment system) at all.

Add to this the cultural factor, which is not unimportant for young people. Surprisingly, when you pay with modern methods (yes, even by phone), people look at you like natives from the 16th century at a lighter. 🙂

What to say about virtual cards. In a word, it's just fast, safe, cheap, and even fashionable.

OK. We've dealt with the pros. Now let's see what virtual cards have disadvantages:

you cannot withdraw cash from VK at an ATM, since our ATMs definitely need to insert something to work. True, some of the most advanced terminals already have the ability to work with virtual cards (including withdrawing cash);
for the same reason, virtual cards cannot be paid in regular stores. But, again, there is a solution: link a virtual card to the phone and pay by phone (today a huge number of models support this function).

How to use the virtual card

You can use a virtual card in the same way as a regular one: for receiving, storing money, for transfers and for paying for goods / services.

The only difference is that a virtual card is more "sharpened" for online, and a plastic one is needed to pay "the old fashioned way", that is, for purchases, basically, personal presence is required.

A virtual card has exactly the same type of details as a plastic one. There is a card number, a three-digit code (CVC / CVC2 / CVV-code) and an expiration date. These data will be sent to you by SMS when ordering a card.

The details of the virtual card can be used to receive a salary, simply by transferring them to your accountants / personnel officers.

Replenishment of a virtual card can also be done through the Internet bank, most electronic payment systems or through one of the electronic exchange offices.

The simplest thing is to make a regular transfer using the card number.

Which virtual card to choose

Every day more and more companies offer us their virtual cards. These are banks and payment systems and even mobile operators. How to understand all this diversity and which card to choose?

In fact, there are quite a lot of differences between cards of different issuers, ranging from the cost of service, expiration dates and ending with transaction limits.

Let's look at the key information about the most popular virtual cards, and then compare them and draw conclusions.

Sberbank

This is the largest credit institution in Eastern Europe and the most expensive brand in Russia. In terms of the number of clients, Sberbank is far ahead of its closest pursuers, banks. And, it is logical that Sberbank was one of the first to offer its customers virtual cards.

In recent years, Sberbank has been striving to become the most high-tech bank in Russia and was one of the first to offer virtual cards to customers

Any client of Sberbank can order a card. You can do this by calling 8-800-200-37-47, or in person at any client office. Surprisingly, it is not yet possible to order a virtual card either in Sberbank Online or in a mobile bank.

Sberbank issues Visa and Mastercard virtual cards of the simplest class. Such a card will have a standard 16-digit number and a 3-digit CVC2 code.

The card is issued for three years. The cost of maintenance is 60 rubles per year. It is possible to order a prepaid debit card for 15,000 rubles without providing documents at all.

Tinkoff

known for its focus on online services. This credit organization practically does not have client offices. Due to this, the bank does not have significant costs either for the maintenance of premises or for a large staff, and many services are offered much cheaper than other banks.

A virtual Tinkoff card is created immediately after registration on the bank's website

Tinkoff has been mass-issuing virtual cards since May 2016. In fact, a virtual card is created when registering on the site. It takes 15 seconds and only requires a phone number.

A MasterCard card is created with standard details for a period of one year. Issue and maintenance of the card is free of charge. Also, almost all operations up to 40,000 rubles are free. If more, then a commission of 2% is taken.

You can create a map online from a computer, tablet, mobile phone and any device that has an Internet browser.

Virtual card PromSvyazBank

has always been a strong middle peasant in the banking system of our country. This credit institution is confidently included in the TOP-15 banks in terms of assets and the number of customers. And if we talk only about the retail segment, then the position of Promsvyazbank is even higher.

Online banking at Promsvyazbank is also one of the best, simple and convenient. This I judge from my own many years of experience. Really, very conveniently done. Here's how you can order a virtual card through an online bank.

Promsvyazbank virtual card is issued for 2 years. The advantages of this card are the lack of limits, high security (3D-Secure) and the ability to create a card in dollars. Minus - the cost of maintenance is 120 rubles per year, which is higher than that of many competitors.

Also, you can order a prepaid Visa Virtual Card with a limit of 15,000 rubles, but without documents at all.

Alfa Bank

It is also one of the leaders in the banking services market. Moreover, not only Russian, but also other Eastern European countries.

Alfa-Bank virtual card is one of the cheapest to maintain

Today, Alfa-Bank is a diversified group of companies, which has its own broker and depository, and even a research laboratory. It is not at all surprising that Alpha is among the first to offer the latest payment solutions, including virtual cards.

Moreover, Alpha offers a whole range of VC, with different statuses. Their cost varies from 49 rubles for a prepaid card to 99 rubles per year for a regular VK with maximum security and a bonus system from Alfa-Bank.

You can open a virtual card through the Internet bank. True, a mandatory requirement is the presence of an ordinary plastic card in this bank.

Virtual card Megafon

Russia's largest mobile operator also decided to keep up and started distributing its cards. Both regular and virtual (MegaFon-Visa).

To get a virtual card

You need to be their client (have their SIM card). Dial a command on your phone * 455 * 1 # and card details will be sent in response SMS.

The balance of the card will be equal to the amount on your mobile phone account. The commission for payments to such a card will be 5 rubles + 1.5% of the payment amount.

True, it should be noted that Megafon has now begun to limit the issuance of virtual cards, since this service has not really “went” with them.

Virtual map, in my opinion, one of the most interesting.

Yandex B-map is one of the best: easy to use and free. But, it only works with rubles.

The card is issued in a couple of clicks, that is, in a few seconds. Issue and maintenance - free of charge. There are no fees for payments. Transfers through the mobile application - free of charge.

The card balance duplicates the Yandex.Money balance. And, it gives a couple of significant advantages.

Firstly, we ourselves can choose the level of anonymity and, accordingly, the limits.

Secondly, we can pay not only where cards are accepted for payment, but also where Yandex.Money is accepted.

I see only one minus for such a card. As a currency, you can select only rubles. True, automatic conversion works well (according to the internal rate of MasterCard + 2%).

A Yandex virtual card is created like a MasterCard and has standard details. The validity period is one year.

QIWI virtual card

We are offered an excellent, secure virtual card with no service fees. The card balance will correspond to the balance on the QIWI wallet.

Features of the QIWI virtual card is that it is issued according to the Visa type. Validity - 2 years.

The commission for replenishing the card is 2.5%, and for the transfer - 2%. In my opinion, this is a fairly high commission.

It is also possible to order an anonymous prepaid card with a balance of up to 15,000 rubles.

AdvCash virtual card

The payment system also makes it possible to create virtual cards. The card will be convenient, for example, for those who earn investments in. Well, or those who need a dollar (euro) virtual card for online shopping.

The AdvCash virtual card costs $4 (from the bottom $1 - the cost of the card and $3 - the commission for paying the cost of the card). I think it's overpriced 🙂

The service of the card is free of charge, and the validity period is 3 years. There are no internal commissions for purchases and transfers.

The card is created according to the MasterCard type, has standard details and duplicates the balance of your account in AdvCash.

It is possible to order this card anonymously (without identification). The card is created instantly and can be ordered immediately after a short registration in the system.

Comparison of various virtual cards

Map	Card type	Term	Commissions	Conditions
Sberbank	Visa or Mastercard (RUR)	3 years	Maintenance: 60 rubles / year Transfers: from 0% (to Sberbank clients) to 3% (to other banks)	The presence of a plastic card of Sberbank
Tinkoff	Mastercard (RUR)	1 year	Maintenance: free Transfers: 2% on transactions > 40,000 rubles, 0% on transactions<40 000 руб.	-
Promsvyazbank	Mastercard (RUR, USD, EUR)	2 years	Maintenance: 120 rub/year Transfers: 1% (to PSB clients), 1.5% (to another bank)	-
Alfa Bank	Mastercard (RUR)	2 years	Service: up to 99 rubles / year Transfers: 0% (to clients A-B), 1.95% (to another bank)	Availability of Alfa-Bank plastic card
Megaphone	Visa (RUR)	6 months	Maintenance: free Transfers: 1.5% + 5 rubles.	-
Yandex	Mastercard (RUR)	1 year	Maintenance: free Transfers: 0% (to Yandex wallets), 3.5% +15 rubles. (for other cards)	-
QIWI	Visa (RUR)	3 years	Maintenance: 2.5% refill Transfers: 0% (to QIWI wallets), 2% (to other cards)	-
AdvCash	Mastercard (USD, EUR)	3 years	Maintenance: $4 per issue Transfers: no commission	-

Once again, I want to repeat separately that in addition to the standard virtual cards indicated in the table, each of these companies additionally offers prepaid (absolutely anonymous) cards with a limit of up to 15,000 rubles. Fifteen thousand is a restriction of Russian legislation introduced in order to counteract the legalization of proceeds from crime.

I will also add that virtual cards of Sberbank, PSB, Alfa-Bank and Yandex can be linked to your mobile device via Android Pay/Apple Pay/Samsung Pay and pay in ordinary stores by phone. True, this requires the presence of an NFC chip in the phone. Most modern devices of the middle and higher price segment are now equipped with this chip.

Results of the comparison of virtual cards

The table shows that almost every card has its own characteristics, both positive and negative. Frank leaders and outsiders, objectively, cannot be singled out here.

In my opinion, it is most convenient to use virtual cards of Sberbank, Yandex and AdvCash.

The Sberbank card is convenient because the number of Sberbank clients in Russia is very large. This means that most transfers / payments can be paid either with a minimum commission or no commission at all. Plus, the cost of servicing the card is not high, and the term is maximum.

The Yandex map is good, simple and lacks requirements for release. Also, it is convenient that transfers to other Yandex.Money users can be made without commission. And in general, you can pay where cards are not accepted, but Yandex.Money is accepted. By the way, Yandex.Money is now very popular and more common than ever on the Internet.

The Advanced Cash card is useful in that it can be denominated in dollars. Of course, its advantages will be appreciated by those who receive income on the AdvCash wallet and those who would like to receive a virtual card with maximum anonymity.

Other v-cards are also good, but in their own way. The Promsvyazbank card has many advantages with QIWI. Which card is closer to you?

I would be grateful for your opinion, questions and comments about virtual cards.

I wish you all a profitable investment!

14.06.2017 27.07.2017

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Many users have one bank card and are afraid to use it to pay on the Internet, for example, paying utility bills, buying train tickets, etc.

And this is the right position, especially if the bank card is tied to a single bank account and all funds are stored on it.

You can open more than one account in a bank, but several, and these accounts can be in rubles. By moving money from one account to another using, for example, Internet banking or during a personal visit to the bank, the user can secure his funds. You can keep the minimum required amount of money on the account to which the bank card is linked, and the rest of the funds can be stored on another account, from where they are not available with a bank card.

Why do you need a virtual card?

Also, the bank can order several bank cards linked, for example, to one single account. At the same time, only one of these cards can be used by the user to pay for purchases and fulfill. Such a card should be kept at home, it should not be shown offline anywhere, no payments should be made in stores, cafes, etc., so that no one can read, write down or remember the data of this card.

Since this method of storing information about bank card data has become popular,

banks responded to the wishes of customers and began to issue cards without a magnetic strip and without a chip, intended only for payment on the Internet. Such cards are called "virtual card" or "virtual Internet card".

As a rule, virtual cards can be of the payment system Visa or MasterCard.

Some banks have gone even further. They offer customers to issue a virtual card on their own, using it while sitting at their computer and without leaving home. In this case, the user receives only the details of the virtual card issued for him, which must be recorded, for example, in a paper notebook and used for payments on the Internet. This is enough to pay on the Internet, but there is no card as such, it turns out to be complete virtuality.

For security, such very virtual cards may have a limited expiration date. It all depends on the conditions of a particular bank. For example, a virtual card can be valid for only 1 month. Or the number of payments on the Internet can be limited (say, one payment) and at the same time the amount of the payment is limited (say, no more than 15,000 rubles).

In some banks, the user can set a total debit limit: the maximum amount that can be used on this card within a certain period. All this can be selected and indicated by the user in his Internet bank at the time of issuing a virtual card, if the bank provides such conditions.

A one-time virtual card is, of course, safer than a reusable virtual card, but it is more expensive and more troublesome. Users are left to choose the appropriate way to ensure the safety of their funds when making payments on the Internet.

As already mentioned, modern banks are not limited to issuing plastic cards familiar to us. Managers offer clients so-called virtual cards. In this case, a completely logical question arises, what does this give and whether there is a need for this service. The answer is simple - yes, there is. Indeed, for more secure transactions on the Internet, a virtual card can be very useful. Let's take a closer look at what this service is and why it is really needed.

What is the difference between a virtual card and a regular bank card?

In fact, a virtual card is used exclusively for making payments on the Internet. However, it may not have any physical appearance familiar to most of us. Some banks issue such cards in the form of plastic (like a regular bank card), but only details are written on them.

Virtual cards do not have chips, magnetic stripes and other distinctive features that are the most common for us.

As already mentioned, such a virtual Internet card must have all the necessary details, like a regular bank card. In particular, it must be

Card number,
expiration date,
cardowner,
as well as the usual three-digit cvc2 code.

Such a virtual card can only be issued in addition to the main bank card, or it can be a separate unit.

In this case, there may be certain restrictions on the amount of payment, for example, no more than 15,000 rubles. Such a limit may not be sufficient if you need to make a large purchase, for example, to buy airline tickets.

You can apply for a virtual card directly at a bank branch. At the same time, some financial institutions simplify the task by issuing them through terminals, ATMs or in their Internet banking.

But ease of obtaining is far from the only plus of this card. She can pay for purchases in all countries of the world, unlike popular ones.

There were some disadvantages - these are certain restrictions on the maximum amount and, in some cases, a short card validity period. At the same time, it is not always possible to replenish the card again, it can be easier to issue (order the issue) a new virtual card.

Virtual card security

The issue of safety is also important. This card is very difficult to fake, and it is also almost impossible to “light up” it. However, users of such cards themselves can make mistakes, and, for example, dictate to fraudsters all the necessary data.

Therefore, it is important to follow a number of rules to increase the reliability of virtual and regular bank cards:

you should never tell anyone the details of a bank card (regular or virtual), or, moreover, send them by e-mail, dictate by phone, brag to a friend, etc.,
before making a payment for a service or product on the Internet, it is necessary to study the resource well for the fact of possible fraud. We must not forget about the existence of phishing (fake) sites that can be very similar to the official sites of well-known sellers of goods and services on the Internet,
there should not be a lot of money on the virtual card or on the account to which it is attached (tied) - exactly as much as you can afford to spend in the near future,
to quickly control your money, it is better to connect SMS notifications that will let you know about all expenses and about all write-offs from a bank card. These SMS notifications work for virtual cards in the same way as for ordinary plastic cards with a magnetic stripe and a chip.

Thus, a virtual card is a convenient and modern tool that has become an excellent alternative and addition to conventional bank cards.

Sberbank virtual card

Currently, the cost of a virtual bank card in Sberbank is 60 rubles. per year, it is issued for 3 years.

In order to get a virtual bank card of Sberbank:

you need to be a client of Sberbank, that is, to conclude an agreement with Sberbank in any branch,
must be the main debit card of Sberbank,
you need to connect to Sberbank Online (for its subsequent use on your computer) or Mobile Bank (for its availability on your smartphone).

Sberbank can issue only one Visa Virtual card and one MasterCard Virtual card.

Similar virtual bank cards are issued by many other banks, for example, VTB24, commercial bank Alfa Bank. So users have a choice.

I don't really trust Mobile Banking in terms of security, but I know that many users prefer to use it on their smartphone. For a long time I have been using (out of habit or because I prefer to act “the old fashioned way”) Internet banking on a computer. By the way, it is advisable to enter the password for Internet banking with the help to prevent reading keystrokes (the so-called "keylogger" - keylogger). True, it is not always possible to enter a password using the on-screen keyboard, but you need to keep this in mind.

Virtual bank cards may belong to different payment systems: MasterCard or VISA. You need to pay attention to this if it matters for some payments. Although, as a rule, payments on the Internet can be made from any cards in various payment systems.

Virtual card blocking

In case of problems, you can and should block a virtual card in the same way as a regular bank card through the Internet bank or by calling or visiting the bank. The convenience lies in the fact that even with a blocked virtual card, you can continue to use a regular card to make purchases offline. Once the issues are resolved, the virtual card can be reissued.

I once really needed the possibility of blocking when Russian Railways published a message that the data of many cards that were used to pay for the purchase of railway tickets became known to outsiders, confidential information about bank cards was leaked, more details. I blocked the virtual card with which I paid for purchases on the Internet, and the bank reissued a new virtual card for me free of charge.

At that moment, I was struck by the fact that many Internet users, having encountered a problem when paying for tickets, “lit up” all their bank plastic cards in turn. You can understand people, they had to buy tickets and go. However, this should not be done in order to avoid other problems.

On the Internet, it is desirable to use one or different, but always virtual cards, without “exposing” your real plastic cards with a magnetic stripe and a chip on the Internet. For your safety.

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Virtual Visa Card is a card with which you can easily and comfortably make purchases in most online stores, especially foreign ones.

Visa is the No. 1 brand in the world for making cashless payments, so it is constantly expanding its capabilities in step with the times. Below we will take a closer look at how to create and replenish a virtual card, as well as the tariffs for it and where you can get it.

What is a virtual card?

Shopping in online stores is becoming more and more popular, so banks and other payment systems are trying to adapt to potential customers and are starting to develop virtual cards in earnest - Visa has succeeded in this. However, not everyone in Russia knows how to make a Visa Virtual card and how to use it. More convenient to use

First you need to buy, or rather just create a virtual card. Since this is a virtual card, for payments with its help, only the details that the user will receive immediately after registering the card will be needed. However, more on that later. The main assistants (they are also the most reliable) in obtaining Visa Virtual -.

It is better to entrust the creation of the card to the banks, because in the event of claims from the user, it will be possible to have an absolutely real defendant who does not need to be searched for a long time and who can always help with solving the problem that has arisen.

You can also use sites that offer to open a virtual card, however, each customer of such a card makes it at his own peril and risk - no one can guarantee that the site was not created for fraudulent purposes.

In which banks can I get a Visa Virtual card?

Virtual credit cards are handled by banks that are members of the Visa International program. You can get a card by simply coming to a bank branch or by going to its website (only the official one). Russian banks can create both ruble Visa Virtum cards and cards of other currencies for more convenient shopping. Almost all banks open virtual cards, some charge a fee for this, and some offer them as a bonus for using certain financial offers.

Tariffs and conditions of receipt

For example, Sberbank issues Virtual Visa Virtum virtual cards when using the “Universal”, “Status”, “Special” Service Packages, etc. (if the client wishes to get this virtual card). If the client does not use any service packages, but wants to create a virtual Visa card from Sberbank, then opening a Visa Virtum card will be paid. Russian Standard Bank simplifies obtaining such a card to a minimum - creating it does not cost a penny, even if the client has not been a bank user before.

In order to receive a Visa Virtum card, you need to have a passport with you (to indicate its number and series, last name and username) and a telephone. One of the most reliable sites that offer to create such a map is. This brand is an official employee of Visa International, so you can not be afraid that the site will deceive a potential client and take their money.

Using this card is quite easy and simple. To make an online purchase, its owner specifies only the details given to him when creating the card. Visa does not charge any fees for paying for purchases, so using this virtual payment system is also beneficial. Commissions may be charged by the Internet resource itself, on which purchases are paid (as payment for the “care” of site employees about the ordered things or services), but the payment system has nothing to do with them. Before issuing cards, you should understand

How to top up a virtual Visa card

To replenish your account, just go to your online page of the bank in which the virtual card was opened. Then there is a regular transfer from an electronic wallet to Visa. You can also just come to a branch of the same bank and replenish your account with cash - consultants will help you with this. The virtual card itself is free, but some banks charge a percentage or a fixed amount for their "big help" - it depends on which bank gets caught.

Benefits and features of the Visa Virtual card:

having no other payment cards, pay for online purchases possible with a virtual card;
behind security operations carried out by a world-famous company;
free content and replenishment of the card;
mobility- Visa Virtual is easily managed using a personal account on the bank's website;
does not have any of the distinguishing features of credit cards, but has requisites, which help to make purchases;
can't pay for purchases in real stores;
virtual bank card won't let you withdraw cash;
services that require physical (credit) card, do not accept Visa Virtual - booking hotels, tickets, etc.

For convenient and secure online payments, a Qiwi Visa virtual card is the perfect solution. Close cooperation with many banks allows you to cash out money from Qiwi using such a card. To do this, you need to make a transfer from a virtual Qiwi card to your real one and go to an ATM with it. Those who do not yet have their own wallet need to register in it. If you are already a user of the system, read this article on how to create a virtual Visa Qiwi card.

In order not to have to transfer money from a wallet to a bank card, spending money on forced commissions, it is enough to use a virtual card Qiwi Visa Card (QVC), created specifically for such cases.

What is a virtual card?

If the Qiwi wallet itself, as well as the plastic card issued to it, have become a familiar service for many Internet users, then the QIWI virtual Visa card is used by the minimum number of wallet owners. This is largely due to the relatively low popularity of online shopping compared to more familiar stores with terminals that accept plastic payments, including from the Visa QIWI Wallet payment system.

What is QVC for?

The virtual card was specially created for online shopping, because it performs the functions of a familiar plastic card and is accepted for payment by all online resources that cooperate with the Visa payment system. The balance of Qiwi Visa Card and Qiwi wallet are combined, which provides comfort when replenishing the card and simplifies cost control.

The virtual card issuer is QIWI Bank, which has all legal rights to issue such a payment instrument.

QVC has all the necessary details for making purchases and payments:

16 digit number;
CVV code;
validity;
Owner's name.

QVC currency can be both Russian rubles and US dollars (USD). It is permissible to make payments in the amount of up to 40 thousand rubles.

Advantages

The Qiwi virtual card does not have a material carrier, so it does not need to be made and then wait weeks for delivery. QVC is created in the personal account menu. Sometimes it happens that even a virtual payment instrument is attacked by scammers, as a result of which the owner has to close it.

Security when paying with a virtual card

The Qiwi virtual card, or as it is called Qiwi Virtual Card, is designed to increase the security of paying for various purchases and services via the Internet. Many users fear that entering real card data, even if it is not directly linked to their bank accounts, can lead to hackers stealing money.

This is partly true, because there are many malicious programs that use an interface similar to the Visa Wallet personal account in order to steal an access password or at least payment card data. With the help of the new service, you can put aside any fears and freely enter virtual card details anywhere.

At the first suspicion that the resource is not bona fide, you can delete it and create a new one with unique payment data. This is what distinguishes the Virtual Card from its plastic counterpart.

The main advantage of Qiwi Visa Card in comparison with the usual "visa" is a multi-level security system. The details of the payment instrument can be found in only one way - by requesting them in your account on the website of the payment system.

At the same time, only part of the 16-digit number comes to the phone in the form of SMS - the rest of the numbers are indicated in the "Your cards" section.

Moreover, when making a purchase, you must specify special codes: a three-digit CVV security code and an authorization code sent by the system when making a payment. If you forgot them, find out the details using the instructions.

Create a virtual card

How to get a new card to replace the blocked one?

Log in to your personal account on the Qiwi Visa Wallet website.
Select your virtual card in the "Bank cards" section.
In the menu that opens on the left, click the "re-release QVC" button.

For one QIWI wallet, you can create several Virtual Cards at the same time. Moreover, a separate account is created for each, the owner, when using this form of payment, bears the risk only within the amount placed on the card used. Each card is valid for 2 months, after which it is automatically blocked. In terms of security, the card complies with the international Visa standard; for third-party services it is no different from the same plastic card.

Attention! Within a month, a user can reissue no more than 2 virtual Qiwi Visa Cards.

You can make a virtual Qiwi card in the section "Bank cards" your wallet. At the same time, a number for the Virtual Card and a CVC code are automatically generated, which is sent as an SMS message to the owner's phone for security. The same can be done in QIWI terminals.

Next, we proceed directly to the purchase of a virtual card. Fill in the form fields, indicating the phone number of your wallet, the method of payment for the card (if there is one account on the wallet, then there will be only one way). In the "Amount" column, indicate the amount of money you want to see on your Virtual Card.

To get a virtual card, you need to buy it. At least 300 rubles or $10 will be deducted from your wallet balance when buying a dollar card. With one virtual card, you can pay no more than 30,000 rubles or $1,000 for 2 months of its validity. You can connect SMS informing about debiting funds for 19 rubles per month.

Before paying with a card on the Internet, you can always go to your Visa QIWI Wallet account and clarify the details. No fees are charged for servicing such a card, so you can buy two or more cards. Depending on the need for the amount of funds on each card, you can freely move money within the system.

How to use Qiwi Visa Virtual?

Unlike plastic, virtual cards (QVV) have one significant limitation - it cannot be used to pay in a regular store, even if it has a terminal. But on the other hand, it can be used as a means of payment on all resources.
The modern Internet provides many options:

Payment of utilities, including satellite and cable television;
Purchases in online stores of goods with home delivery or mail;
The purchase of goods in retail chains that have ordinary stores in parallel, so you can do without plastic, for example, in case of its loss or expiration before receiving a new card.

To pay with a Qiwi virtual card, you need to use its details: the card number and security code (CSV) are the same as the plastic version, only unique, preventing attackers from gaining access to the total balance of your Qiwi wallet.

What is prepaid QVV Qiwi?

The multi-level security system for QVC is quite reliable, but it is not perfect either. For those users who are afraid to leave the details of a card linked directly to accounts, there is a special prepaid Qiwi card - Qiwi Visa Virtual (QVV).

Like Qiwi Visa Card, this tool does not have a physical form, and exists only in digital form. Its main difference from QVC lies in the limited validity period - the card ceases to be valid after 2 months. Those. this card has a separate balance from the wallet, which allows it to be used when paying for goods or services on suspicious sites. They created a card with the required denomination, paid and forgot about it.

The ability to choose a convenient currency is another difference between a prepaid card and a Qiwi Visa Card.

How to create a virtual Qiwi prepaid card?

Unlike a regular virtual card linked to a wallet, you will have to pay for a prepaid Qiwi Visa Virtual. The cost of the issue is 2.5% of the face value of the card. Getting it is easy enough.

We open the "Bank cards" section on the Qiwi Visa Walett website.
We are looking for Qiwi Visa Virtual in the list of payment instruments and click the "Get" button.
Choose a currency and click "Buy".
We fill out a special order form and pay for the service.

The minimum face value of QVV is 300 rubles or 10 US dollars. The maximum consumption is possible within 70 thousand rubles / 1000 US dollars.

Security and convenience of online payment

Virtual Card from Qiwi is fully functional for paying on the Internet, if the owner is used to making purchases through online services, as well as paying through them for most services. Thanks to this service, the QIWI wallet has become even more secure. It is much easier to re-order and receive a virtual prepaid card and make purchases without the danger of losing money.

For users who are accustomed to actively using the services of online stores, Qiwi Visa virtual cards have obvious advantages over conventional banking "plastic". At the same time, QVV differs from QVC in a higher level of protection and an extended payment limit, but you have to pay for these advantages.

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.

A conditional disadvantage of the banking product from Rosselkhozbank is its validity period.

MasterCard from Sberbank

A virtual debit card MasterCard Sberbank on a tangible medium is not issued. Although Sberbank designed its design. This option is suitable for paying for services, goods purchased in online stores. The data is reflected in the personal account of the 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 structures;
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 in any common way, including transfers from other banks, as well as postal orders of the 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 a MasterCard Virtual card.

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 an 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;
There is no additional charge for SMS-informing on debit transactions.

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.