If we are to talk about the perks that came with the fintech innovation, it's definitely worth mentioning virtual cards. They are valuable finance tools that not only keep your transactions secure, but also understand the need for privacy in most transactions.
You don't even need a bank account to get one—all you need to do is visit their site, sign up (if necessary), and generate a free virtual card.
In this guide, I'll show you the best ways to get a working virtual credit card without a bank account, even if it's just for testing purposes (like getting free trials or just looking to get something virtual)
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Top 10 Best Ways to Get a Virtual Credit Card without Bank Account
Below, we have provided the best ways that 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 a virtual card online.
This means that with a virtual credit card generator, you can obtain a free virtual credit card without a 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 sixth-digit 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 a fake credit card to make purchases online since most shopping sites now use security filters that filter out fake credit cards. They are only for testing and verification purposes. You can also use them to cancel free trials so your real credit card won't be charged. The credit card numbers do not come with a valid cardholder’s name, expiration date, or CVV numbers.
2. PayPal Virtual Credit Card
One of the easy options to get a free virtual card without a bank account is through a 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 a 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 the PayPal credit card generator to generate random credit card information for testing. You can create a 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 the 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 is used by many marketers, online stores.
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 that you can use 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 a free prepaid virtual card. However, you will be charged a small fee for transactions using the Netspend digital card. You can link your virtual card to 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 is 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? A Neteller prepaid card works just like a credit card. The only difference is that the 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 a Walmart MoneyCard, which comes with an option for virtual cards 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. ecoVirtual 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 a 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
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 charges on the card, especially by websites that supercharge your card. This is possible thanks to services such as PayPal.
