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Virtual cards let you spend directly from a Space

Create virtual debit cards linked to budgets you've created, and only ever spend as much as you plan to.

What is a virtual card?

Virtual cards work just like normal debit cards, but they're linked to Spaces. You can create them for free as part of our personal and joint current accounts.

When you spend, we'll take the money from your chosen Space instead of your main balance. Paying for fuel? Do it from your 'Car Costs' Space. On holiday with your partner? You can both spend directly from your carefully budgeted – and shared – 'Weekend Break' Space.

Create a virtual card, and we'll give you a unique card number, CVV number and expiry date linked only to the Space.

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•••• •••• •••• 4823
CARD HOLDER
YOUR NAME
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Virtual card
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Virtual card
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Virtual card
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Virtual card

What are the benefits of virtual cards?

Unbreakable budgets

Need to stick to a budget? Let's say you're making home improvements. Set money aside in a 'DIY' Space, and use your virtual card every time you buy materials.

One look at your Space shows what you've spent, and what's left. When the money in your Space is used up, your virtual card will decline (until you top the Space up) instead of dipping into your main balance.

It's ideal for holidays, retail therapy, a night out or, well, anything you can think of really.

Stay safer online

When you're shopping online, using a virtual card keeps your main card details secret. If there's a data breach at a retailer, you can delete the virtual card in seconds — no need to cancel your main card.

You can also create a one-time virtual card for purchases on sites you don't entirely trust. Use it once, delete it, and move on.

Manage subscriptions with ease

Attach a virtual card to your 'Subscriptions' Space. Every Netflix, Spotify, gym, and streaming payment comes out of that one pot. If you want to cancel, just delete the virtual card — no more awkward calls or hidden renewals.

Perfect for shared spending

With joint accounts, you and your partner can each have your own virtual card linked to the same Space. Shared expenses, separate cards, full transparency.

How to create a virtual card

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Step 1
On your personal or joint account, create a Space or choose an existing one. Tap 'Manage Space'.
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Step 2
Now tap 'Create a virtual card' at the bottom of the menu.
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Step 3
Choose from five different colours - each colour has its own shape to help you identify it too.
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Step 4
You can add to your mobile wallet by tapping 'Add to mobile wallet'.

Virtual cards FAQs

How many virtual cards can I have?
You can have up to five active virtual cards at any one time, and create up to five new virtual cards every week.

For example, you could have five active virtual cards on your personal account, and another five on your joint account. Both joint account holders can have up to five active virtual cards at once – that's ten for the joint account in total.
Does it cost money to have a virtual card?
It's totally free to create and have virtual cards with our personal and joint current accounts. Virtual cards aren't currently available for business accounts.
I have a joint account. Can we both have a virtual card for the same Space?
Yes, you can both spend from the same Space. You'll both need to individually follow the steps to create a virtual card for the Space. The virtual cards will have different details to each other – just like your main joint debit cards.
How do I delete a virtual card?
Go to Spaces, then choose the Space connected to the virtual card you wish to cancel. Tap 'Manage Space' and then 'Delete virtual card'.

You can also cancel virtual cards in the Card tab in the app. Just tap 'All Cards' in the top right corner and select the card you wish to cancel.
How do I dispute a virtual card transaction?
The fastest way to resolve a suspicious transaction is to contact the merchant directly. We also suggest you contact the payment handler (such as PayPal), if appropriate.

If you can't resolve it with the merchant, contact us through the in-app chat and we'll investigate.
Can I use a virtual card abroad?
Yes. Virtual cards work everywhere Mastercard is accepted, with the same fee-free overseas spending as your main debit card.

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