How to Get a Free Virtual Card Without a Bank Account

This is how to get a free virtual card without any bank account. These cards are also called virtual prepaid credit cards, virtual Visa cards, virtual Mastercard debit cards, etc. A virtual credit card (VCC) works the same way as a physical card, only that it is created online. You can use a virtual card to make online purchases and pay for services. Most cards require you to deposit money on them before you can use the virtual cards for payments. This also prevents you from getting into debt and reduces the risk of becoming a fraud-victim. See the list below for a summary, and further below more options for virtual cards around the globe.

How to get a Free Virtual Card Without a Bank Account

Good to know
A virtual card works the same way as a physical card, only that it is created online. It usually comes without extra costs apart from topping up. Virtual cards tend to be 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. Most providers also offer you the option to freeze the card when not using, making sure only payments you’ve unauthorized are deducted.

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 a virtual card online. This means that with a virtual card generator, you can obtain a free virtual credit card without a 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 a virtual credit card generator app or virtual credit card generator website, such as Card Guru.

Do fake credit card generators work?
You cannot use a 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 won’t be charged. The credit card numbers do not come with a valid cardholder’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

PayPal offers temporary virtual cards for its users, such as the Pay in 4 single-use virtual card and a virtual version for new PayPal cardholders while they wait for their physical card. However, these products are currently only available within the United States.

If you’ve applied for PayPal’s Pay in 4 and received a single-use card number, you can easily use it for online purchases where Mastercard is accepted. The card number is valid for one purchase and must be used within 24 hours of approval. In case you need to access the single-use card information again, you can do so by logging in to the PayPal app or desktop, tapping on the Pay Later tile, and then selecting your Pay in 4 plan to view the card details.

It’s crucial to know that the single-use card expires if not used within the given time frame, requiring you to apply for a new one. The good news is that applying for PayPal virtual cards does not have any impact on your credit score. Note that to use PayPal services fully, you need to get a virtual credit card for PayPal verification.

Is there a PayPal virtual credit card generator: There is no PayPal virtual credit card generator for actual use. However, as a developer you can use the PayPal credit card generator to generate random credit card information for testing. You can create a 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. It allows you to create a free virtual prepaid card. Your first virtual card is free of charge, and there are no fees attached to your online transactions. 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. For more information, also read our
Complete Review of Skrill Virtual Card.

Ezzocard Virtual Card

Ezzocard is a virtual card you can use it to shop across the globe. The company offers virtual cards without verification worldwide. It is one of the companies that allow you to buy virtual card with crypto, including bitcoin. Ezzocard virtual card is available for both MasterCard and Visa. The cards are delivered instantly after registering on Ezzocard website. The minimum fee you can pay for Ezzocard is $12.99. Also read our Review of Ezzocard Virtual Card.


Netspend Virtual Card

Netspend offers free prepaid virtual card. However, you will be charged a small fee on transactions using Netspend digital card. Once you create your virtual card number, you can link your virtual card with your Visa or MasterCard prepaid card. One of the disadvantages of the Netspend is that it is only a US virtual card (only available in the US). However, if you are in dire need of one, you can use VPN or proxy servers to get a virtual card while outside 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

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. Also read our Review of Neteller Online Wallet

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. offers virtual payment cards to minimize the amount of personally identifiable information. Their debit and credit virtual cards are completely free to use when you use a bank account as a funding source. The company makes money off the fee that the merchant pays for accepting a debit or credit card. Privacy keeps your personal information private, while being more convenient than using a physical payment card online.

Currently, is only available online to legal residents of the United States. You can apply for an account online in as little as 3 minutes by providing some basic personal information such as name, date of birth, phone number, valid email address, and current address.

Walmart MoneyCard Virtual Card

Walmart is a famous multinational retailer. They issue Walmart MoneyCard virtual card, which you can use for your online shopping. It is easy to register and start using the service immediately. From the moment your account is approved, your Walmart virtual card will be available virtually through the WalMart Pay app to use at all storefront locations and on the retailer’s website.

Payz virtual card is available to Payz account Silver level holders and above in the UK and most of EU/EEA member states.

ecoPayz Virtualcard

Eco virtual card is a prepaid virtual Mastercard. It is an ecoPayz virtual card available for personal and business accounts. 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.

Virtual Crypto Card

If you are into Bitcoin, you will be glad to know that there are also virtual crypto cards available. Virtual crypto card providers include the following.


Crypterium is a desktop and mobile app that allows you to store and spend your digital assets with a debit Visa virtual card. The card is not linked to a bank account but to the Crypterium app.

The app supports 10 cryptocurrencies, including BTC, LTC, and ETH. It also supports Euro, USD and other fiat currencies. Account opening and card issuance are free. The service is available in over 170 countries around the world. Also read our Comprehensive Review of Crypterium


Wirex is a British digital payment platform that offers crypto virtual card. Wirex’s crypto virtual card can be used to hold and spend in Bitcoin and other cryptocurrencies. It is a Mastercard debit card. The cryptocurrency virtual card can be applied in many countries in the world and can be used in any country where Mastercard is acceptable. Requirements for opening a Wirex account differ from country to country. Also read our Complete Review of Wirex. is a cryptocurrency exchange based in Singapore. Its virtual cards are available in many parts of the world including EU/UK, US, Australia, Brazil, etc. The cryptocurrency virtual card allows users to manage their spending in the app and earn rewards as well. The card supports over 17 cryptocurrencies including Bitcoin. Also read our Complete Review of Crypto.Com Card.

EntroPay Virtual Card

Entropay closed in 2019.
Entropay was a very popular service, but it has been discontinued as per the 1st of July 2019. For information about Entropay status, please email to [email protected].

Virtual Credit Card Without Verification

For most virtual credit card providers, you need to verify your identity by uploading your ID or photo. However, in some cases, it might not be possible to verify your virtual credit card for reasons like lost ID. As such, some virtual credit card providers make it possible to get a virtual credit card verification.

Some virtual credit cards without verification you can consider include Skrill virtual credit card, Neteller virtual credit card and Ezzocard virtual prepaid card, and Netspend virtual card.

Virtual credit cards without verification come with some limitations such as a limited number of transactions or transactions up to a certain limit, while in others, you can use the card for in-store purchases only.

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.

Our goal

We want to inform you about the latest banking trends and developments, by providing comprehensive reviews of banks around the world offering virtual banking services and bitcoin based banking.

Our aim is to help you know the best bank accounts, how to open a bank account, best banks to invest and buy bitcoin, how to apply for payment and virtual cards, how to open a non-resident bank account in the US or EU, how to earn a passive income with your crypto, obtain a loan with your crypto deposits, and many other banking-related topics.