Top 10 Virtual Cards

Reliably protected virtual machine, which does not have a magnetic stripe and a chip, is only suitable for online payments. When shopping in foreign stores, currency exchange is carried out at the bank's commercial rate without commission. Payments up to 15,000 rubles can be anonymous. For transactions, SMS informing is free or paid, depending on the time of possession of the card, but this service can be deactivated. Replenishment of funds is available through bank cash desks, ATMs, accounts, by transferring from another card. You can issue an additional MasterCard to the main virtual machine, including an anonymous one or for another family member. Cons - no online card opening, not suitable for offline purchases or from a smartphone, paid SMS informing from the 4th month.

A practical choice for those who use the services of a mobile operator. The debit card is issued instantly, linked to the balance of the phone number, supports Apple Pay, Samsung Pay and Google Pay. It is very convenient that you can replenish the balance not only through MegaFon points, but also through Svyaznoy and Euroset, send payments from / to any cards. Another plus is payment using QIWI or Yandex.Money electronic wallets. As a bonus, mobile Internet is credited here for every 100 rubles. shopping. SMS notifications come free of charge. The disadvantages of the owners include frequent application freezes, slow updating of payment transaction data, it is impossible to unlock the card, it is not accepted everywhere.

The virtual payment instrument has a minimum of negative reviews. The card is easy to get, for this you need to go to the bank's website and indicate only your full name, phone number and email address. However, it should be remembered that only the first issue is free, for the rest you will have to pay 50 rubles each time. You can replenish it with any card from 10,000 rubles. A pleasant lottery is the loyalty program "Chance". It is the case and you yourself determine the size of the cashback. The online shopper package is one of the most advanced and profitable. The payment instrument is easily added to the smartphone. Cons - paid cash withdrawals from ATMs with a limit of up to 50,000 rubles / month, not always a favorable currency conversion rate.

A suitable option for owners of a QIWI ruble wallet, with which the card has a common balance. The issuer in this case is Qiwi Bank. However, opening a card is free only for holders of the "Basic" or "Professional" status. When issuing, in addition to the number and expiration date, the CVV code is indicated. Non-personalized means of payment are serviced free of charge. It can be used wherever Visa cards are accepted, even where you cannot use the "mother's" wallet. Replenishment of the balance is free of charge. There is no commission in Russian stores, at least 30 rubles in foreign ones. Cash withdrawal is subject to a commission of 2% plus 50 rubles. Cons - withdrawal is available only to owners of the "Basic" or "Professional" status, SMS informing is paid, short validity period.

The first convenience of this product is that it is compatible with smartphones that support NFC. In addition, there are several more pleasant "buns" for users. This is not only free release and maintenance, but also the absence of commission when making online payments and replenishment.The last action is performed both at the bank's cash desks, using a non-cash transfer, and through the bank's website, mobile application. There are no limits on payment transactions. As for cash withdrawals, commission options are possible - from 0% to 0.75%, depending on the amount (limit 50,000 rubles) and the territoriality of the bank. Cons - you can open a virtual card only if you have a regular one, you cannot withdraw cash or replenish your account through an ATM; transfers, deposits, withdrawals are available only from Sberbank accounts.

The ruble card user does not need to visit the office to issue it, everything is activated online or in a smartphone. When applying, you do not need to enter a lot of details, in addition, all data is protected by 3D Secure technology.When shopping, a PIN code is not required, confirmation occurs through SMS codes. A big plus is that there are no limits on individual and monthly payment transactions for the purchase. You can get a free or paid (11.9-25.9%) loan for purchases, depending on the time period (before/after 111 days). Transfers of funds within the bank without commissions. Withdrawing your own cash and replenishing the balance is allowed in any banks, and there are no commissions. Cons - there is a limit on the maximum monthly cashback, as well as daily, monthly for cash withdrawals, SMS informing after the first two months is paid.

Within 3 seconds after the free issue, you can use the card. It allows you to pay for goods and services both online and in physical stores. True, in the latter case, you need to connect to Apple Pay, Google Pay, etc. The card is linked to any type of wallet (anonymous, named, identified). Additionally, it is possible to get a plastic analogue with a magnetic stripe and a chip. When transferring to a card outside of Yandex.Money, a 3% commission is charged (minimum 100 rubles). The “Multicurrency Cards” package is available for connecting to the card, which allows you to use not only rubles, but also 10 more currencies. Reissue of the virtual machine is free. Minus - when withdrawing cash from you, they will take all the same 3% (minimum 100 rubles).

A great opportunity for bank customers to conduct secure payment transactions without revealing vulnerable card details.It is easy to open it online or using a branded mobile application, and in any package of services of the two most popular payment systems. A registered means of payment is linked to ruble, dollar or euro accounts. You can pay with a virtual card even in offline stores. Replenishment of funds from other banks is carried out without commissions. Various types of transfers are carried out, cash withdrawals are available at ATMs with a contactless module. After connecting the loyalty program "#Possibility" you get well-deserved cashbacks and travel points. Cons - in one package there can be no more than 2 virtual cards, purchases and withdrawals of your own cash are available only after linking to Google Pay / Apple Pay or on the Internet.

In order to become the owner of such a payment instrument, it is necessary to have Russian citizenship, which is confirmed by the provision of passport data. The card has been on the market for only a few years, but is already compatible with all Russian online stores. Therefore, only operations with the ruble are provided here. The maximum limit is 150,000 rubles. When replenishing through the payment instruments of Rossiya Bank, no commission is charged. In general, the service of the card is free of charge. However, you will have to pay 60 rubles for an SMS notification. Cons - not suitable for purchases in foreign online stores, no bonuses for purchases, short validity period.