How to Get a Free Virtual Card Without a Bank Account

A virtual card works the same way as a physical card only that it is created online. You can use it to make online purchases and pay for services. Virtual cards are more secure compared to physical cards since merchants cannot access your information. Since you do not need to link your virtual card to your bank account, it is more secure. This is how to get a free virtual card without any bank account.

How to get a Free Virtual Card Without a Bank Account

  • A virtual card works the same way as a physical card only that it is created online. It usually comes without extra costs other than topping up.
  • You can get an instant virtual card for free with providers such as Neteller, Skrill and EntroPay.
  • If you are in the USA and have a PayPal account, you can generate a PayPal virtual card.
  • Other providers such as Payoneer, Revolut and Wise, offer virtual cards and come with a free bank account you can use freely for topping up or making payments.
  • More providers are available, see the list below for more options around the globe.

Use Virtual Card Generator

One of the ways to get a virtual card without a bank account is through a virtual credit card creator. Since a virtual card is like a dummy physical card, you can generate virtual card online. This means that with a virtual card generator, you can obtain a free virtual credit card without bank account. You do not need to have a bank account to get one but you will need to provide a name that you can use on your card. When making online payments using a virtual card, you will not need to enter the personal details you used when creating the card. For this, you can use virtual credit card generator app or virtual credit card generator website.


Do fake credit card generators work? You can not use fake credit card to make purchases. They are only for testing and verification purposes. You can also use them to cancel free trials so your real credit card wont be charged. The credit card numbers do not come with a valid card holder’s name, expiration date, and CVV numbers.

Best Virtual Card Without Bank Account Providers

You can use the following virtual card providers to get free virtual cards. They include:

PayPal Virtual Card

One of the easy options to get a free virtual card without a bank account is through PayPal virtual Mastercard. If you have a PayPal account, you can generate a PayPal virtual card. Note that to use PayPal services fully, you need to get a virtual credit card for PayPal verification. One of the benefits of using PayPal virtual card is that you can set a spending limit to avoid overspending. It can help you especially when you are paying suspicious merchants who may overcharge you.

PayPal credit card generator: You can use PayPal credit card generator to generate random credit card information for testing. You can create virtual credit card for Visa, Mastercard, American Express, Discover, Maestro, or JCB. You may also use test credit card numbers that are issued within the PayPal Sandbox account.

Payoneer Virtual Card

You can also use Payoneer to get a free virtual card without a bank account. Payoneer is a fintech that offers money transfer and banking services globally. You need to have a Payoneer account to enjoy the service. You can then link it to your Payoneer account. With a Payoneer account, you can get a free Payoneer virtual card. However, using the virtual card to make payments comes with a fee. As such, before getting a virtual card, make sure to consider the transaction fees.

Skrill Virtual Card

Skrill is an online wallet that you can use for money transfer and online purchases using the money in your Skrill account. You can set the period at which you want the virtual card to remain active, which makes it more secure compared to the physical card.


Skrill virtual prepaid card uses funds in your Skrill wallet, meaning you won’t need a credit check to get your Skrill virtual Mastercard.

EntroPay Virtual Card

You can get EntroPay free virtual credit card through the EntroPay website. They have built a name over the years in providing virtual cards. They are preferred by a majority of people. You only need to sign up on their website and provide your personal information. The signup process is absolutely free. However, they charge a fee for transactions. You do not need to have a bank account, but you will need a bank account to fund your EntroPay virtual Visa card.

Ezzocard Virtual Card

Ezzocard is a virtual card you can use it to shop across the globe. Ezzocard virtual card is available for both MasterCard and Visa. The cards are delivered instantly after registering on The minimum fee you can pay for Ezzocard is $12.99. For detailed information read our Ezzocard review.

Netspend Virtual Card

Netspend offers free prepaid virtual card. However, you will be charged a small fee on transactions using Netspend digital card. You can link your virtual card with your Visa or MasterCard prepaid card. The only disadvantage of the Netspend is a US virtual card. However, if you are in dire need of one, you can use VPN or proxy servers to get a virtual card while outside of the U.S.

Is Netspend a debit card? Yes, Netspend is a prepaid debit card. Western Union and Netspend have partnered to offer a prepaid debit Mastercard.

Neteller Virtual Card

Neteller offers free virtual cards that you can use to make online payments. It is a great match for those using PayPal and they will not need to link it to a credit card or a bank account. You can sign u for a virtual card on the Neteller website and enter your details, upload your ID. You will then verify your account to start using the virtual card. You can contact customer care for assistance in case you have difficulties. Learn all the details on how to get Neteller virtual card.

Is there a Neteller virtual credit card? Neteller prepaid card works just like a credit card. The only different is that Neteller virtual Mastercard is linked to the balance in your Neteller Account.

Walmart MoneyCard

Walmart is a famous online shopping mall. They issue Walmart MoneyCard, which comes with an option for virtual cards which you can use for your online shopping. However, they issue virtual cards to U.S customers only. It is easy to register and start using the service immediately.


ecoVirtualcard is a prepaid virtual card. It is an ecoPayz virtual card. The card, available in 8 currencies, helps you to make safe online payments. You can make payments online or over the phone without disclosing your personal information to merchants. To use this virtual card, you need to have Silver level eco account. It has 2 step verification processes that make it more secure. It is available only in the U.S.

American Express Virtual Card

You can use American Express to generate AMEX virtual cards for free. They have been offering the service for years. You can start using the virtual card for shopping and buying web hosting services. It is a great option for freelancers, contractors and recruiters to make payments. You can keep control of your spending and track all your transactions.

Final Thoughts on Free Virtual Credit Card without Bank Account and Free Virtual Debit Card Without Bank Account

A virtual card is a convenient way to make online payments. It is a safe and secure way to pay merchants without disclosing your personal information like your bank account details. You can use the above services to generate a virtual card for free. You do not need to have a bank account to generate a virtual credit card.