How to Get Working Free Virtual Credit Cards Without a Bank Account

 Virtual credit card have been a revolutionary asset in our daily activities especially when we have the habit of carrying out online transactions, such as sending and receiving money online. These virtual credit cards have several importance of which the first is keeping our local credit card details safe because there are websites that tend to steal credit card info once we enter it for a purchase, they keep the credit cards and use them at their personal interest.

It is important we have at least a virtual credit card to use on some sites we know are not that well secured. Some sites such as donotpay keep our credit cards safe and give users virtual credit cards that they can use online for their different transactions without thinking of their real info being stolen.

How to Get a Working Free Virtual Credit Card Without a Bank Account

If you don't have a credit card which is probably the reason why most of you are here, I will give you the best methods which will help you get virtual credit cards that you can use online.

What is a Virtual Credit Card?

A virtual credit card is a randomly generated 16-digit number associated with your actual credit card account. Your credit card provider may offer this service as a way to protect against fraud whenever you shop without presenting your physical credit card.

Virtual credit cards are unique credit card numbers that allow you to transact on your main credit card account without using or exposing your main credit card account number. You can limit a virtual credit card number for use at a single merchant.

How do Virtual Credit Cards Work?

Most virtual credit card providers use a local credit card to generate a random virtual credit card that may be be used just once. So virtual credit cards most often can be used just once.

We also have virtual credit card providers that provide virtual credit cards to their customers which can be used several times as physical credit cards. More so, there will be some fees to pay when ever you want to carry out a transaction with these virtual credit cards.

Now you can even get instant virtual card for free in USA, UK from online providers such as Neteller, Skrill and even PayPal.

However, this doesn't mean you will verify PayPal but if you want a virtual credit card for PayPal verification, then you can checkout this guide. There are also free virtual bank accounts for PayPal verification which you can equally checkout.

Top 10 Best Ways to Get a Virtual Credit Card without Bank Account

Below, we have provided the best ways which you can use to have a virtual credit card without a bank account. They are as follows;

1. Use a Virtual Credit Card Generator

One of the ways to get a virtual credit card without a bank account is through a virtual credit card generator. Since a virtual credit card is like a dummy physical card, you can generate virtual card online. 

This means that with a virtual credit card generator, you can obtain a free virtual credit card without bank account. You do not need to have a bank account to get one but you will need to provide a name that you can use on your card. When making online payments using a virtual card, you will not need to enter the personal details you used when creating the card. For this, you can use virtual credit card generator apps or virtual credit card generator websites. 

These virtual credit card generator apps are known for generating credit cards from BINs ( Bank Identification Number) which are the 1st - 4th or 1st - 6th digits found on credit cards. These cards are used for free trials online for services such as Netflix, Spotify, Crunchroll, YouTube etc

Do fake credit card generators work? You can not use fake credit card to make purchases online since most shopping sites online now use some security filters that filter fake credti cards. They are only for testing and verification purposes. You can also use them to cancel free trials so your real credit card wont be charged. The credit card numbers do not come with a valid card holder’s name, expiration date, and CVV numbers.




2. PayPal Virtual Credit Card

One of the easy options to get a free virtual card without a bank account is through PayPal virtual Mastercard. If you have a PayPal account, you can generate a PayPal virtual card. Note that to use PayPal services fully, you need to get a virtual credit card for PayPal verification. One of the benefits of using PayPal virtual card is that you can set a spending limit to avoid overspending. It can help you especially when you are paying suspicious merchants who overcharge your card upon purchases of their goods and/or services.

You can use PayPal credit card generator to generate random credit card information for testing. You can create virtual credit card for Visa, Mastercard, American Express, Discover, Maestro, or JCB. You may also use test credit card numbers that are issued within the PayPal Sandbox account.

3. Payooner Virtual Credit Card

You can also use Payoneer to get a free virtual card without a bank account. Payoneer is a fintech that offers money transfer and banking services globally in nearly all countries. You need to have a Payoneer account to enjoy the service. You can then link it to your Payoneer account. With a Payoneer account, you can get a free Payoneer virtual card. However, using the virtual card to make payments will imply some fees. So make sure you consider te fees before performing any transaction with Payooner virtual credit cards.

4. Skrill Virtual Credit Card

Skrill is a wallet that can be used for online transactions such as sending and receiving money to and from your Skrill account. It is also a trusted wallet and used by many marketers, online stores online. You can set the period at which you want the virtual credit card to remain active, which makes it more secure compared to the physical card.

Skrill virtual prepaid credit card uses funds in your Skrill wallet, meaning you won’t need a credit check to get your Skrill virtual Mastercard.

5. Ezzocard Virtual Credit Card

Ezzocard is a virtual card you can use it to shop across the globe. Ezzocard provides both MasterCard and Visa. The cards are delivered instantly after registering for an account at ezzocard.com. The minimum fee you can pay for Ezzocard is $12.99.

6. Netspend Virtual Credit Card

Netspend offers free prepaid virtual card. However, you will be charged a small fee on transactions using Netspend digital card. You can link your virtual card with your Visa or MasterCard prepaid card. The only disadvantage of the Netspend is a US virtual card. However, if you are in dire need of one, you can use VPN or proxy servers to get a virtual card while outside of the U.S.

Is Netspend a credit or debit card? Well, Netspend is a prepaid debit card. Western Union and Netspend have partnered to offer a prepaid debit Mastercard which is great for the Netspend users.

7. Neteller Virtual Credit Card

Neteller offers free virtual cards that you can use to make online payments. It is a great match for those using PayPal and they will not need to link it to a credit card or a bank account. You can sign up for a virtual card on the Neteller website and enter your details, but note that you will need to upload your ID details which is not what most of you want. This just shows the security they want to maintain on their platform. Once your ID Uploaded and verified, you can start using the virtual card. You can contact customer care for assistance in case you have difficulties.

Is there a Neteller virtual credit card? Neteller prepaid card works just like a credit card. The only different is that Neteller virtual Mastercard is linked to the balance in your Neteller Account.

8. Walmart Virtual Credit Card

Walmart is a famous online shopping mall. They issue what we call Walmart MoneyCard, which comes with an option for virtual cards and that you can use for shopping online. However, they issue virtual cards to U.S customers only. Registration is easy and you can start using the service immediately after registration.

9. eco Virtual Credit Card

ecoVirtualcard is a prepaid virtual card. It is an ecoPayz virtual card. The card, available in 8 currencies, helps you to make safe online payments. You can make payments online or over the phone without disclosing your personal information to merchants. To use this virtual card, you need to have Silver level eco account. It has 2 step verification processes that make it more secure. It is available only in the U.S.

10. Amex Virtual Credit Cards

You can use American Express to generate AMEX virtual cards for free. They have been offering the service for years. You can start using the virtual card for shopping and buying web hosting services. It is a great option for freelancers, contractors and recruiters to make payments. You can keep control of your spending and track all your transactions.

Conclusion and Our Final Say

We have given you all the possible best methods you can use to get virtual credit cards online for free. Though some involve fees and verification, they can be highlighted for their uniqueness and security.

We have to say that a virtual credit card is the best way to do your online shopping. You won't have to expose your real credit card details and plus you can set spending limits on these virtual credit cards so as to control charge on the card especially by websites that super charge your card. This is possible thanks to services such as PayPal.

You can try out all the above virtual credit card providers and see the one which matches your expectances.

Also, you can checkout our other tutorials on credit cards by clicking here.