Virtual Credit Cards Germany

Looking for a virtual credit card in Germany? Whether you want safer online payments, instant card access, or a backup while traveling, virtual cards offer a flexible and secure alternative to physical plastic.

They’re fast to issue, easy to manage, and often come with lower fees — but not all virtual cards are created equal. Here’s how to pick the right one and what to watch out for.

What Is a Virtual Credit Card?

A virtual credit card, or digital credit card, is a digital-only card that exists on your phone or in your banking app — no plastic, no waiting for the post. It works just like a regular Visa or Mastercard for online purchases, subscriptions, and mobile wallets like Apple Pay or Google Pay.

The card has a 16-digit number, CVV code, and expiration date, just like a physical card. You can use it instantly after approval, and many providers let you freeze, replace, or delete the card at any time. Some even offer disposable card numbers for extra security.

Virtual cards are ideal for:

• Online shopping
• Travel bookings
• Subscription services
• One-time payments
• Replacing lost/stolen cards temporarily

In Germany, virtual cards are offered by fintechs like Revolut, Wise, bunq, Vivid, and sometimes as a companion to physical credit cards from traditional banks.

How to Get a Virtual Credit Card in Germany

Getting a virtual credit card in Germany is fast, digital, and often easier than applying for a traditional card. Most providers offer instant issuance through an app, with minimal paperwork and no need to visit a branch. Depending on the card type (prepaid, debit, or credit), requirements may vary.

Step-by-step: How to get a virtual credit card in Germany

1. Choose a provider (fintech or bank)
2. Select the right card type
3. Download the app and sign up
4. Verify your identity (VideoIdent or PostIdent)
5. Link or open a bank account
6. Receive and activate your virtual card
7. Top up or use linked funds to start spending

1. Choose a provider

Germany has several strong options when it comes to virtual credit cards — from fintechs to online banks. If you’re unsure where to start, check our full list of recommended virtual card providers at the top of this page. It highlights key features like fees, currency support, and mobile compatibility to help you make the right choice.

2. Select the right card type

Virtual cards can be:

• Prepaid – load funds in advance
• Debit – linked to your account balance
• Credit/charge – with a monthly limit (less common for virtual-only)

Choose based on whether you need instant use, budget control, or a credit line.

3. Download the app and sign up

Install the provider’s app, enter your personal details (name, address, email), and choose your card type and plan. Some services offer free and premium tiers.

4. Verify your identity

Most German providers use VideoIdent (video call with your passport) or PostIdent (in-person ID at Deutsche Post). This step is required to comply with banking regulations.

5. Link or open a bank account

Some virtual cards require a linked German IBAN, while others provide their own account (e.g. Wise, Revolut). You may need to deposit a small amount to activate the card.

6. Receive and activate your virtual card

Once approved, your virtual card is issued instantly in the app. You’ll see the card number, CVV, and expiry date — ready for use online or in mobile wallets.

7. Start using your card

Use it for online purchases, subscriptions, or add it to Apple Pay/Google Pay for in-store payments. You can freeze or regenerate the card anytime if needed.

Virtual vs Standard vs Prepaid Credit Cards – What’s the Difference?

Virtual credit cards are fast, secure, and flexible — but how do they compare to standard physical credit cards or prepaid cards?

Each type serves a different purpose, and the best choice depends on how you spend, where you use the card, and what features you value most.

Comparison Table: Virtual vs Standard vs Prepaid Credit Cards

Feature	Virtual Credit Card	Standard Credit Card	Prepaid Credit Card
Physical Card	❌ (digital-only)	✅	✅ (optional virtual version)
Instant Issuance	✅ (in app)	❌ (3–10 days delivery)	✅
Credit Line	Rare (mostly debit/prepaid)	✅ (with SCHUFA/income check)	❌
Requires SCHUFA	Usually not	✅ (most providers)	❌
Best for	Online shopping, travel, subscriptions	General use, travel, flexible spending	Budgeting, students, no credit history
Mobile Wallet Compatible	✅ (Apple/Google Pay)	✅	✅
Security Features	✅ (freezing, dynamic CVV, disposable)	Moderate (PIN, 3D Secure)	✅ (limited exposure)
Acceptance	Online, mobile wallets	Online & in-store	Online & in-store
Top-up Required	Yes (if debit/prepaid)	No (billed monthly)	Yes
ATM Withdrawals	Rare or limited	✅	✅ (fees may apply)

Summary

• Virtual cards are ideal for online safety and instant access, but may not work for in-store purchases unless used via mobile wallet.
• Standard credit cards are more versatile but harder to get — especially for those without a stable income or SCHUFA score.
• Prepaid cards are the most accessible and safest for budget control, but offer fewer features and no credit line.

Pros and Cons of Virtual Credit Cards in Germany

Pros

• Instant issuance – Get your card within minutes after approval
• High security – No physical card to lose; supports freezing, CVV refresh, and disposable numbers
• Perfect for online use – Ideal for subscriptions, one-time payments, and e-commerce
• Works with mobile wallets – Use with Apple Pay and Google Pay in stores
• No SCHUFA required – Most virtual cards are prepaid or debit-based
• Low fees – Often fewer costs than traditional credit cards

Cons

• Not accepted everywhere – May not work for hotel deposits, car rentals, or in-store purchases without mobile wallet
• No physical backup – In case of lost phone or app access issues, you’re locked out
• Limited credit options – Rarely offers an actual credit line or revolving balance
• ATM access limited or unavailable – Not ideal if you need cash withdrawals
• Some cards have usage restrictions – E.g. monthly top-up limits or merchant limitations

Tips for Using a Virtual Credit Card Responsibly

Virtual credit cards offer speed and convenience — but you still need to manage them wisely. Just because there’s no plastic doesn’t mean there’s no risk. Here are practical tips to help you use your virtual card safely, efficiently, and without overspending.

Use for trusted transactions only

Even though virtual cards reduce fraud risk, always use them on secure websites and avoid entering card details on unknown or suspicious platforms.

Enable instant notifications

Turn on app alerts to track every transaction in real-time. This helps you spot unauthorized activity immediately and freeze the card if needed.

Use disposable card numbers for one-time purchases

Many providers let you generate a new virtual card for each transaction. This prevents long-term misuse if a merchant’s system is compromised.

Monitor your balance or top-ups

If you’re using a prepaid or debit-based virtual card, keep an eye on your balance. Avoid failed payments by ensuring enough funds are available before recurring charges (e.g. streaming services).

Secure your phone and app

Use biometric locks, PIN codes, and two-factor authentication to prevent unauthorized access to your virtual wallet or banking app.

Link only to essential services

Keep your virtual card connected to necessary subscriptions only. This limits exposure if your credentials are ever leaked or stolen.