How to Get a Prepaid Virtual Card Without Going to the Bank

People often like to split their spending. One account for daily expenses, another for online shopping. A virtual card makes it easier to separate budgets and avoid mixing funds. Think of it as a standalone wallet: you top it up with any amount you want and spend only from that balance. It’s a straightforward way to manage expenses and stay on top of your budgeting.

The best part? You don’t need paperwork or branch visits. Virtual cards are created instantly through a mobile app or the provider’s website. Registration usually takes just a minute — confirm your phone number and you’re good to go.

5 prepaid virtual cards: fast online issuance

Dozens of providers offer prepaid virtual cards, each with its own perks and rules. Below are five options you can get within minutes.

1. PSTNET

PSTNET is a universal virtual card service that works well for different tasks: from online shopping to buying ads and paying for subscriptions. It offers various types of cards, including specialized advertising cards with cash back and prepaid cards for making purchases. To use an online prepaid visa card, you first need to deposit money into your account and then transfer the funds to the card. This approach is convenient because the user decides how much to top up.

The service stands out for flexible funding; you can add funds with cryptocurrency (18 options, including BTC, USDT, ETH), bank transfers (SEPA/SWIFT), or even from other cards. Additionally, PSTNET offers a high level of security and convenient registration options via Google, Telegram, WhatsApp, Apple ID, or email.

A feature of the service is the absence of fees for transactions, withdrawals, and operations on frozen cards, which is advantageous for regular spending. All new users can top up their first deposit in USDT with zero commission.

Advantages:

• Support for 18 cryptocurrencies and SEPA/SWIFT bank transfers
• Top-up from other bank cards, VISA/Mastercard
• Different types of cards: advertising with cashback and universal for purchases
• Favourable fee structure – no fees for transactions and withdrawals
• Two-factor authentication and 3D Secure
• Convenient 1-minute registration via Google, Telegram, WhatsApp, Apple ID, or email
• Telegram-bot for notifications
• 24/7 support in Telegram or other convenient communication channels

2. Revolut

Revolut is a fintech service that has become synonymous with convenient money management in different currencies. With it, you can issue virtual cards, hold multiple currencies in one account at once (USD, EUR, RON, and dozens of others), and pay for online purchases at the market rate. Conversion on weekdays is commission-free, which is especially beneficial for frequent international payments.

The Revolut app helps you keep strict control of expenses: right after payment, a notification arrives with details. There are also one-time prepaid cards for safe online purchases. You can also connect cards to Apple Pay and Google Pay for easy phone payments.

Advantages:

• Support for dozens of currencies in one account
• Market exchange rate with no commission on weekdays
• Convenient app with instant notifications
• One-time virtual cards
• Support for Apple Pay and Google Pay
• 24/7 in-app support

3. LinkPay

LinkPay provides Omni virtual cards powered by Visa and Mastercard. The service positions itself as a convenient tool for business: there are no spending limits, and the fees are transparent—1% for top-ups and 2% per transaction. For companies with large volumes, special terms are provided: for monthly amounts over $50,000, commissions disappear, and only the Ultra plan fee remains.

The service interface is intuitive, and the card issuance process takes just minutes. For support, you can use the website chat or Telegram, which simplifies issue resolution.

Advantages:

• Visa/Mastercard cards with no spending limits
• Ability to zero out fees with large volumes
• Convenient interface and fast card issuance
• Support for crypto and other card top-ups
• 24/7 support in chat and Telegram

4. Ezzocards

Ezzocards bets on anonymity and simplicity. To issue a card, no registration is required: go to the website and choose the desired denomination from $10 to $2000. All cards are one-time use; they can be used for purchases in foreign online stores, paying for ads, or one-off online payments.

There is no fee for transactions, but there is an issuance fee that depends on the card’s denomination and type. This makes the service convenient for those who value privacy and want to get a card without unnecessary formalities.

Advantages:

• Complete anonymity: no registration required
• One-time cards from $10 to $2000
• No transaction fees
• Top up with cryptocurrencies or Visa cards
• Easy to obtain — all cards are available on the website

5. Pyypl

Pyypl is a service for prepaid Visa cards that can be used anywhere this payment system works. The card is issued instantly through the mobile app, making it convenient for those who want to manage their finances from a smartphone. In the app, you can track expenses and top up the balance with cryptocurrency or another Visa card.

However, the service has limitations: you cannot spend more than $1000 in a single transaction, and you will have to pay 2.99% for each operation. This makes it less beneficial for active users, but more attractive for those seeking simplicity and instant activation.

Advantages:

• Fast card issuance through the mobile app
• Visa support worldwide
• Expense control and card management in the app
• Top-ups with cryptocurrencies and other Visa cards
• 3D Secure protection
• 24/7 in-app support

How to get a card online

All it takes is a phone or computer. Open the provider’s app or website and click “Get a Card.” You’ll be prompted to fill out a short form with your name and phone number (sometimes also an email).

A verification code will be sent to you via SMS or email. Enter it, and the system instantly activates your card. From there, top up the balance using another bank card or account, and your prepaid virtual card is ready for online payments.

How to use a virtual card

Using a virtual card online works just like any other bank card. Input the card number, expiry date, and CVV. These details are available in the app and can be copied straight into checkout forms.

They’re handy for subscriptions: load the exact subscription amount, and the provider will only pull what’s there. This ensures your spending never exceeds what you planned.

Expense management

Apps and dashboards make it easy to monitor balances and transaction history in real time. Each purchase is logged with the date and amount, ensuring complete transparency and accountability.

For budgeting, load the amount you plan to spend for the week or month. Once the balance hits zero, payments stop automatically. Cards can also be frozen with one tap and reactivated later when needed.

How to close a card

If you no longer need the card, select “Close Card” in the app. The system checks that the balance is zero, then instantly removes the card from your account. Issuing a new one later is just as quick as the first time.

Final thoughts

Virtual prepaid cards have moved from being a niche product to becoming a mainstream tool for more innovative money management. They enable users to separate daily spending from online purchases, control their budgets more effectively, and minimize the risk of overspending. The fact that they can be issued instantly without paperwork, bank visits, or lengthy verification makes them especially appealing in a world where convenience is the new standard.

The five services highlighted above illustrate just how diverse the market has become. Some prioritize flexibility and crypto-friendly top-ups, while others focus on anonymity. Meanwhile, global players like PSTNET and Revolut offer multi-currency functionality and tight expense tracking. Regardless of the provider, the common thread is transparency, speed, and control — all of which align with the financial habits of digital-native consumers.

Ultimately, a virtual prepaid card serves as a budgeting tool, a security measure, and a means to take ownership of your financial routines. Whether you’re managing subscriptions, running ad campaigns, or simply wanting peace of mind when shopping online, these cards provide a level of flexibility and oversight that traditional banking products rarely match.