• We can make use of virtual debit cards, which are linked to our bank accounts. There are also credit versions available, which function as a type of loan.
• An interesting solution is the disposable virtual card. We can create them for a specific payment or use them multiple times until their expiration date.
• Another option is prepaid virtual cards, which need to be loaded with a designated amount or are linked to a specific main account.
• There are also virtual cards that are exclusively operated in Polish currency or those that are multi-currency.

Is it worth using virtual cards?

The greatest advantage of virtual cards is convenience. We don’t have to worry about the physical version that can be lost or stolen. Since we don’t have it physically, the chances of losing or theft are very slim. This leads us to the second benefit: virtual cards are highly secure. The exception would be if there is a hacker attack on our card, in which case, unfortunately, there isn’t much we can do. With such cards, we can make secure purchases at any online store, use gaming platforms, or pay for subscriptions on streaming platforms.

A virtual card is a great solution if we want to control our online expenses. We know that sometimes it’s easy to lose track, and virtual cards can help with that. We can deposit a certain amount onto the card from time to time, and when the limit is reached, we need to reload the card. This serves as a notification of how much we have spent. Additionally, when we use a single card, we have full control over our budget. Each transaction is recorded in the history, which we can access through online banking.

Virtual cards have many advantages, but whether we decide to use them or not depends solely on ourselves. Among all the available options, this one is definitely the best, so it’s worth giving it a try, even by setting up a disposable virtual card.