Virtual credit card

Revolut offers 2 types of virtual cards. They're available for both debit and credit.

• Disposable cards (also called single-use cards) are virtual cards that generate new details every time you make a payment. This means that vendors can’t trace them back to your account or charge you more than once without your authorisation. They’re specially made for one-off online purchases where you want extra privacy and security. Since their details change every time you pay, they’re not designed for contactless or recurring payments.
• Multi-use cards have permanent card details, so you can use them to set up recurring payments, subscriptions, and deposits. You can also link them to Apple Pay or Google Pay and make contactless payments in stores.

The good news is you don't have to choose. You can keep 20 virtual cards in your account, plus 1 disposable card. This allows you to manage your spending flexibly and helps you stick to your budget. Set spending limits for each card, or use a different card for each type of purchase — you're in control.

Still want a physical card that you can use at ATMs for cash withdrawals? Get one in addition to your virtual cards so that you’re prepared for every occasion. Fees may apply, so check your plan for more details.

Keeping your money safe is our top priority. Here are some of the safety measures we use to protect the virtual credit cards in your account.

• Virtual cards are stored safely in your Revolut app, which is protected by two-factor authentication. This security measure ensures that only you can log on to your account, view your card details, and complete payments.
• If you suspect any fraud, you can freeze your card right in-app to block payments. Then unfreeze it just as easily when you’re ready to use it again. All it takes is a couple of taps.
• When you use Apple Pay or Google Pay to make a purchase with your virtual cards, your real card number is kept secret. A unique encrypted code known as a token is used to complete your payment. This ensures that your details are safe.
• Since there's no physical version of your virtual cards, you don’t have to worry about your card details being stolen if you lose your wallet.

Yes, it only takes a few minutes to fill out your credit application, and you'll receive a decision from us quickly. Once your application is approved and you accept our offer, you can create and use your virtual card straight away. Subject to credit check.

You don’t have to pay any additional fees to create your virtual credit card once your credit application is approved.

It’s fast and easy to make online purchases with your virtual cards. Here's how:

1. Go to the Cards section of your Revolut app
2. Tap the card icon in the top right
3. Tap Show details to see your card number, CVV, and expiry date
4. Enter those details to complete your online purchase

You can also link your virtual credit cards to Apple Pay or Google Pay and make contactless payments in stores.

Find more information on how to use a virtual card in our Help Centre.

You can use your virtual credit card in most places around the world that accept online or contactless payments with Visa. Just pay with your card abroad, and we'll automatically exchange your money to the local currency at great rates. We currently support card payments in 150+ currencies.

Currency exchange fees may apply. Check your plan for more details.

Yes, you can make withdrawals with a Revolut credit card, but you need to order a physical card to be able to do so. Virtual cards aren't designed for ATM withdrawals.

Plan fees and T&Cs apply, including ATM cash withdrawal fees. Unlike card purchases, you'll pay interest with no grace period for ATM withdrawals.

The basic criteria you need to meet to be eligible for credit varies by country. Visit our Help Centre to find out more about credit eligibility criteriain your region.

We'll also run a credit check when we review your application to determine your eligibility.

You can apply for a credit card quickly and easily in-app. Here's how:

1. From your Revolut app home screen, tap Accounts below your balance
2. Select + Add new, tap Credit, and choose Credit cards
3. Fill in your credit application
4. We'll send you our decision quickly. If your application is successful, you'll receive an offer to review
5. Once you accept our offer, we'll ask whether you want a physical or virtual card — you can choose one or both
6. Tap Virtual card to create your virtual card, and you're ready to start spending straight away

It'll only take you a few minutes to fill out your credit application, and we aim to have a decision for you a few minutes after you submit it.

Sometimes, we may need to ask you for additional information or documents as part of your credit application. In this case, it may take us a little longer to review it. But don’t worry — we'll keep you up-to-date on the status of your application in-app.