6 Best Instant Virtual Credit/Debit Card Provider Apps [No Deposit - Free]

It is very easy to get a virtual card nowadays.

I mean, with a simple Google search, you'll have a long list of virtual card providers.

For sure, they answer the need for getting a virtual card, but the unfortunate part with this convenience is, not all of them are as reliable in offering the perks you need as you might be thinking. Yep, most virtual card providers will always require a deposit to enable your card.

So to help you out, I've compiled a list of reviewed virtual card provider apps based on the perks you'll have with the virtual cards they offer.

6 Best Instant Virtual Credit Card Provider Apps (No Deposit)

If you need to get a virtual card without having to make a deposit, here are some of the best virtual card provider apps that are worth it.

1. Revolut

Hitting out the first on our list is Revolut is probably the most resounding name in the virtual credit card market today.

Revolut radically changes the way you perceive credit card payments since it is incredible just how many things you can do with it without strings attached.

All you need to do is download and install their Android application, register for a credit card, and just wait for a couple of business days until the actual physical card is delivered to you.

Plus, you will enjoy real-time currency conversion, crypto trading, one-tap money transfers between you and your phone contacts, and many more features to discover with Revolut.

Some advantages of using Revolut are listed below;

• Can easily transfer money
• You can create a budget in order not to exceed your spending limit
• Premium accounts can get a customized metallic card
• You can monitor your expenses over a timeline
• You get a free physical card

All you need to do in order to get a free virtual credit card with Revolut is to download their mobile app and get your free virtual card without stressing. You can download the app from the link provided below.

Download Revolut App

2. Payooner

The next virtual credit card app entry on our list can easily replace your standard or physical credit card.

Similar to the virtual credit card apps on this list, Payoneer will also provide you with an actual physical card if you feel more comfortable with it.

However, pretty much anything that you can do with the card can be done directly from the company’s website or from their mobile app. In fact, you can even make payments without the card as long as your phone features NFC.

You can transfer money to and from bank accounts, send easy money to other users, manage monthly expenses through it, and more.

Some advantages of using Payooner are given below;

• Easily transfer money between accounts.
• Ability to top up your account through your standard bank account
• Pretty much anything can be done from the mobile app
• There are no hidden fees

All you need to do in order to get a free virtual credit card with Payooner is to download their mobile app and get your free virtual card without stressing. You can download the app from the link provided below

Download Payooner App

3. MB Way

Third on our list is MB Way. MB Way is an app available for Android, iOS, and Windows Platforms. There’s also a desktop app for Windows 10.

By setting up a VCC (Virtual Credit Card) with MB Way, you can make transactions with anybody who accepts MasterCard, American Express, and Visa. MB Way is one of the few virtual credit cards that enables you to make transfers with your mobile number, which is a really great advancement in payment systems.

You can also create VCCs with 14 different banks through the MB NET site.

To download MB Way, you can click the link below, or you can equally access their official site from the link provided below.

Download MB Way App

4. VCpay

VCpay is the 4th VCC provider app on our list that you can use on Android, iOS smartphones, and Windows PC. You need to note that the VCpay virtual card isn’t one you can use internationally, even if the app’s website states an international card will be introduced.

As such, this is currently a virtual credit card limited to retail in South Africa, with the requirement of holding a South African ID. With the app, you can set up a virtual Mastercard for yourself or as gift cards.

The app also provides clear card statements and supports EFT from banks.

A managing director of VCpay’s parent company stated that VCpay empowers both banked and unbanked users to pay securely for goods online, in-store, in other mobile applications, or on mobile services like Uber. The users can practically use the VCpay on any online site.

You can download the VCpay mobile app from the link below. You can equally access their website from the link below.

Visit VCpay Site

5. Zeta

Next on the list is Zeta. The Zeta app for Windows 10 and 8.1 mobiles is a virtual MasterCard RBL that boasts to be a new-age supercard. That might be because the virtual card offers unique and dynamic PINs that change with every transaction made. 

Moreover, you can use this VCC as an offline card at e-POS machines, which is really remarkable from Zeta. The Zeta app also provides a number of other bonuses, including tax-free meal vouchers and a Zeta Rewards Card.

You can visit the Zeta Site from the link provided below and get your free VCC.

Visit Zeta Site

6. FreeCharge

FreeCharge is a unified digital wallet app that you can add to your Mobile Phones, Tablets, and Windows 10 PC. The app enables you to set up a FreeCharge Go MasterCard for use on Indian websites and mobile apps, such as BigBasket, Snapdeal, Amazon, and Flipkart. 

You will equally get discounts and cashback on a variety of transactions. Note that the Windows app is not entirely the same as its Android and iOS counterparts since the former sports a redesigned UI and Cortana integration, so you can recharge it with the virtual assistant. 

The FreeCharge CEO stated:

We at FreeCharge are continuously innovating to provide differentiated services. With the revamped Windows app, we have aimed at creating a seamless user interface that is simple and intuitive. One can now easily recharge/pay bills in less than 10 seconds.

 You can download the FreeCharge App below, and you can also visit the FreeCharge site from the link provided below.

Download FreeCharge App

Above are the free virtual credit card provider apps you can use to get an instant virtual card without a deposit. Most of them are available for all platforms, that is, mobile and desktop; some are available only for desktop. You should try all of them, and you will get just free results as described for each virtual card provider app.

Now that you know of the best free instant virtual credit and debit card online providers, you should, however, know that you can use them in the USA, UK, Germany, Canada, Australia, and any European country. 

Can I get a Virtual Credit Card without a Bank Account?

Yes, you can get a virtual card without the need for a bank account. In fact, all the providers mentioned above won't require you to have a bank account to get a virtual card. All you'll need to do is download the app, sign up, and follow the steps to get a virtual card from them.

Frequently Asked Questions

Most people face some challenges online that may be similar to yours, and those have been answered below.

How can I get a free virtual card without a bank account?

This is a really demanded query, so by default, we have decided to make a complete section or guide on how to get a free virtual credit card without a bank account.

Which Bank offers a Free Virtual Debit Card?

• Prefatory Notes.
• American Express.
• Bank of America.
• Capital One.
• Citi.
• Netspend.
• PayPal.

What are the Best Online Bank Accounts With Instant Virtual Debit Cards?

Online banks make it easy to get free virtual debit cards that can be used for purchases. They come with many advantages and provide a more convenient way to shop online and get cashback for your everyday purchases. Here are the best online bank accounts with instant virtual debit cards.

Can I Use the Virtual Debit Card on PayPal?

You can use the free instant virtual debit card on PayPal for verification as a US resident, making your account fully verified as a US PayPal account. Instant virtual credit cards, too, can be used to verify your PayPal account. 

Does PayPal Offer a Virtual Credit Card?

Yes, PayPal offers free Virtual Cards, which are generally MasterCards that you can get freely without paying anything, and you can get the card directly from PayPal.

How do I Get a PayPal Virtual Credit Card?

PayPal offers a free virtual MasterCard to U.S. citizens. However, they announced that they intend to extend this service to a wider audience of their customers and have already begun with the expansion. So let's keep fingers crossed if it isn't yet available in your region.