What is the difference between Virtual and Physical Cards?

Choosing between virtual and physical cards depends on your needs.

Here’s a quick overview to help you decide.

Physical Cards

  • Tangible and versatile: Can be used in-store and ATMs.
  • Standard security: Features include a chip, magnetic stripe, and CVV.
  • Delivery required: Standard delivery may take 3-14 working days.

Virtual Cards

  • Digital-only: Accessible via an app with no physical copy.
  • Instant use: Ready immediately after generation (usually takes around 5 minutes to be generated).
  • Enhanced online security: Ideal for safer online transactions, often with temporary or single-use numbers.

Which One Should You Choose?

For frequent online shopping with immediate access and added security, choose a virtual card.

For in-person transactions and ATM access, a physical card is the better option. Consider your usage habits to find the right fit.