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.