Virtual credit cards: for what it is and how to draw

What is a virtual bank card

Virtual bank card (IBD) - a special card designed for payments on the Internet. Buying with its help, you do not risk to light your primary card on the web.

These cards come in plastic and electronic. Plastic virtual card is issued in the office of the bank, has no magnetic stripe, and it is not attached PIN. This card can not be used for purchases in stores. In e-cards are no material carrier, and it can quickly be arranged through Internet or mobile banking. For issuance of plastic IBD banks typically charge a commission, but the issue can free email.

The vast majority of virtual bank cards - prepaid with replenishment for a certain amount on a monthly basis. For plastic cards virtual, as a rule, there is no maximum limit, in contrast to the electronic. Plastic virtual cards can be released in rubles, US dollars and euros, and electronic - only in Russian rubles.

Validity of virtual credit cards may be one or two years, but the e-cards that the customer registers via the Internet, drawn up for an unlimited period.

If you evaluate all the pros and cons of this banking product, the advantage is clearly in favor of the former.

Advantages:

1. Ease of registration.
2. Ability to lock and unlock the card at any time.
3. Secure internet shopping.
4. Able to put as much money as you need to buy, or to set a limit of one-time withdrawal of funds.

Disadvantages:

1. Inability to remove the balance from an ATM. To return the remaining money to the card you need to write a statement to the bank.
2. There are certain limits replenishment.

How to make a bank card

Below we look at the various options of virtual credit cards that offer popular banks.

Gazprombank

International settlement bank card Visa WebCard / MasterCard WebCard

• Type: plastic.
• Currency: Russian rubles, US dollars, euros.
• Where the issue: in the office of the bank.
• Expiry date: 1 or 2 years.
• Limit: no.
• The Commission for the release of 85 rubles (1 year), 160 rubles (2 years).
• Annual maintenance: free.

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Alfa Bank

Virtual MasterCard Virtual Card

• Type: e.
• Currency: Russian rubles.
• Where the issue: in the internet or mobile banking.
• Validity period: None.
• Limit: the client sets its own.
• The Commission for the release of 49 rubles.
• Annual maintenance: free.

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Promsvyazbank

MasterCard Virtual

• Type: plastic.
• Currency: Russian rubles, US dollars, euros.
• Where the issue: in the office of the bank, in the Internet or mobile banking.
• Validity period: 2 years.
• Limit: no.
• for the release of the Commission: None.
• Annual maintenance: 120 rubles.

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Virtual prepaid Visa card

• Type: e.
• Currency: Russian rubles.
• Where the issue: in the internet or mobile banking.
• Validity: 3 months.
• Limit: active customers - 300,000 rubles, new - 15 000 rubles.
• for the release of the Commission: 0% when paying by card PSB, 1.9% for the replenishment of card of another bank.
• Annual maintenance: free.

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Ak Bars Bank

Visa International and MasterCard Worldwide

• Type: e.
• Currency: Russian rubles.
• Where the issue: in the internet or mobile banking.
• Validity period: None.
• Limit: 15 000 60 000 100 000 rubles.
• The Commission for the release of 20 rubles.
• Annual maintenance: free.

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Total

If you want to protect their principal payment card for online shopping worth using IBD. It can refill at any time for a certain amount necessary to complete the purchase, and did not take any chances.