How to Get Free Virtual Credit Card Without Bank Account

Virtual Credit Card is a prepaid credit card or you can also call it as a debit card because there’s no credit facility on it actually.
how to get free virtual credit card without bank account

A  Virtual Credit card works the same way as a physical card only that it is created online. You can use it 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. 

 When we say a virtual card works the same way as a physical card only that it is created online, what we mean here is that it usually comes without extra costs other than 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.

What is a virtual credit card?

Virtual Credit Card is a prepaid credit card or you can also call it as a debit card because there’s no credit facility on it actually. These virtual cards are good for online usage as even if the card information is compromised, a hacker cannot use them beyond the loaded balance and the preset daily usage limits.

You can see the Best Virtual Credit Cards in USA so as to make your own choice.

Check Out: Top 4 Best Virtual Credit Cards in Canada

How to get a Free Virtual Card Without a Bank Account

  • You can get an instant virtual card for free with providers such as Neteller and Skrill. These suppliers also offer virtual credit card without verification. They generally do not require verification if you’re using the card for small amounts.
  • If you are in the USA and have a PayPal account, you can use Paypal to generate a PayPal virtual card.
  • Other providers such as Payoneer, Revolut and Wise, offer virtual cards and come with a free bank account you can use freely for topping up or making payments.
Check Out: The Top 5 Best Virtual Credit Cards Generators for Free Trials

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 virtual card online. This means that with a virtual card generator, you can obtain a free virtual credit card without bank account. You do not need to have a bank account to get one but you will need to provide a name that you will have to  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 reason, you can use virtual credit card generator app or virtual credit card generator website.

Check Out: The Top 5 Best Virtual Credit Cards Generators for Free Trials

I know so many individuals will ask them selves if fake credit card generators works. Well to answer you frankly, you can not 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 wont be charged. The credit card numbers do not come with a valid card holder’s name, expiration date, and CVV numbers.

Before we move on, I will like Us to see one main benefit of virtual credit card that is its ability to block or shut down the account. If your main account number is exposed in a data breach because you didn’t use a virtual credit card, that is you will  have to get your main credit card account number reissued. That means you’ll get a new account number. Unfortunately, this can cause problems with every vendor you’ve set up recurring payments with using your previous or past card number.

Best Virtual Card Without Bank Account Providers 

PayPal Virtual Card

One of the easy suggestions to get a free virtual card without a bank account is through PayPal virtual Mastercard. Perhaps, this can only be done if you’re a resident in the USA. If you have a PayPal account there, you can generate a PayPal Virtual card. You should know  that to use PayPal services fully, you need to get a virtual credit card for PayPal verification. One of the benefits of using PayPal virtual card is that you can set a spending limit to avoid overspending. It can help you especially when you are paying suspicious merchants who may overcharge you.

Payoneer Virtual Card

Also, you can as well 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, by using the virtual card to make payments comes with a fee. And  as such, before getting a virtual card, make sure you 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. You can set the period at which you want for the virtual card to remain active, which makes it more secure compared to the physical card.

Take Note: Skrill virtual prepaid card uses funds in your Skrill wallet, meaning you won’t need a credit check to get your Skrill virtual Mastercard.

American Express Virtual Card

In addition, 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.

EntroPay Virtual Card

You can get EntroPay free virtual credit card through the EntroPay website. They have built a name over the years in providing virtual cards. They are preferred by a majority of people. You only need to sign up on their website and provide your personal information. The signup process is absolutely free. However, they charge a fee for transactions. You do not need to have a bank account, but you will need a bank account to fund your EntroPay virtual Visa card.

Ezzocard Virtual Card

Ezzocard is a virtual card you can use it to shop across the globe. Ezzocard virtual card is available for both MasterCard and Visa. The cards are delivered instantly after registering on The minimum fee you can pay for Ezzocard is $12.99. For detailed information read our Ezzocard review.

Netspend Virtual Card

Netspend offers free prepaid virtual card. However, you will be charged a small fee on transactions using Netspend digital card. You can link your virtual card with your Visa or MasterCard prepaid card. The only disadvantage of the Netspend is a US virtual card. However, if you are in dire need of one, you can use VPN or proxy servers to get a virtual card while outside of the U.S.

Recently I encounter questions like is Netspend a debit card? Well I will say yes, Netspend is a prepaid debit card. Western Union and Netspend have partnered to offer a prepaid debit Mastercard.

Neteller Virtual Card

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. Click here to get a Neteller Virtual Card

Others too ask "Is there a Neteller virtual credit card?" Well this a good question, 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.

Walmart MoneyCard

Walmart is a famous online shopping mall. They issue Walmart MoneyCard, which comes with an option for virtual cards which you can use for your online shopping. However, they issue virtual cards to U.S customers only. It is easy to register and start using the service immediately.


ecoVirtualcard is a prepaid virtual card. It is an ecoPayz virtual card. 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.

A virtual card is a convenient an reliable 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.

Check Out: Best Anonymous Virtual Credit Cards and How do they work

Check out: Free Virtual Credit Card for PayPal Verification 2021 provides virtual payment cards to reduce the amount of personally identifiable information collected. When you utilize a bank account as a funding source, you can use their virtual cards for free. The corporation profits from the fee charged to the merchant for accepting a debit or credit card.

Privacy is the first payment product that protects your personal information while making online payments even more convenient than using a real payment card. is now only available online to legal residents of the United States. In as little as 3 minutes, you may apply for an account online by entering some basic personal information such as your name, date of birth, phone number, valid email address, and current address.

Virtual Crypto Card

If you like Bitcoin, you'll be pleased to discover that virtual crypto cards are also available. The following are virtual crypto card suppliers. 


Crypterium is a desktop and mobile program that allows you to store and spend your digital assets using a virtual debit Visa card. The card is linked to the Crypterium app rather than a bank account.

The app accepts ten different cryptocurrencies, including BTC, LTC, and ETH. It also accepts Euros, US dollars, and other fiat currencies. Account opening and card issue are both free of charge. The service is offered in over 170 countries worldwide.


Wirex is a digital payment network based in the United Kingdom that provides crypto virtual cards. The crypto virtual card from Wirex can be used to store and spend Bitcoin and other cryptocurrencies. It is a debit card issued by Mastercard. The cryptocurrency virtual card is available in many countries and can be used in any place where Mastercard is accepted. The requirements for opening a Wirex account vary by jurisdiction. is a Singapore-based cryptocurrency exchange. Its virtual crypto Visa cards are available in numerous countries throughout the world, including the EU/UK, the US, Australia, and Brazil. The bitcoin virtual card enables users to manage their spending in the app while also earning rewards. The card is compatible with over 17 coins, including Bitcoin.

Conclusion on Free Virtual Credit Card without Bank Account and Free Virtual Debit Card Without Bank Account

Making online payments using a virtual card is a convenient option. It is a safe and secure method of paying merchants without providing personal information such as bank account information. You can make a virtual card for free using the services listed above. A bank account is not required to create a virtual credit card.

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