# Online Virtual Cards **URL:** \ **Category:** Feedback & Ideas\ **Created:** [1 April 2016 17:53 UTC](https://community.monzo.com/t/online-virtual-cards/1637 "2016-04-01T17:53:49Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![aaran.mcguire](https://avatars.discourse-cdn.com/v4/letter/a/eb9ed0/32.png) [@aaran.mcguire](https://community.monzo.com/u/aaran.mcguire)\ **Post date:** [1 April 2016 17:53 UTC](https://community.monzo.com/t/online-virtual-cards/1637/1 "2016-04-01T17:53:49Z")
Hi, I’ve just stared using the Mondo Card… Its Great. One thing I would like to see, and I’ve always wanted is the ability to create virtual cards for online transactions. With my old/normal debit cards, every 6 months I need to have it replaced as all the numbers are damaged, and I cant see anything, but every time I do so I have to change 10+ online subscriptions. I’d love to be able to assign a randomly assigned card number that I only see once (or maybe I have one purely for trusted online sites) to each subscription service so I never have this issue again. I think this could help for security too as, if the card number was used in a transaction thats not the company you expected you’d know exactly what merchant it was leaked from. Thanks for the great card… ---
**Author:** ![anon66219007](https://avatars.discourse-cdn.com/v4/letter/a/85f322/32.png) [@anon66219007](https://community.monzo.com/u/anon66219007)\ **Post date:** [1 April 2016 20:13 UTC](https://community.monzo.com/t/online-virtual-cards/1637/2 "2016-04-01T20:13:52Z")
I like this idea. Not sure how feasible it is from Mondo’s side. A smilier idea is adding a plus and a tag when using your email to sign up to something. Then I know what companies send spam! (eg. [stuart+mondo@anotherstudio.co](mailto:stuart+mondo@anotherstudio.co)) ---
**Author:** ![aaran.mcguire](https://avatars.discourse-cdn.com/v4/letter/a/eb9ed0/32.png) [@aaran.mcguire](https://community.monzo.com/u/aaran.mcguire)\ **Post date:** [2 April 2016 11:25 UTC](https://community.monzo.com/t/online-virtual-cards/1637/3 "2016-04-02T11:25:28Z")
yh… Its certainly not a core feature, but would be cool in the future… I don’t know if banks pay for the card numbers… Another idea I thought of is if you could change the CCV number (given thats only for online transactions… and you could have it link to the merchant) I’m not sure of the solution but I’d like a way to give trust to online merchants thats a 1-1 relationship. The perfect solution about be a oAuth type payment system, but that would have to be created at the Bank of England level… and have merchants support it (and all the banks buy into the system) ---
**Author:** ![anon94683889](https://avatars.discourse-cdn.com/v4/letter/a/9de053/32.png) [@anon94683889](https://community.monzo.com/u/anon94683889)\ **Post date:** [28 April 2016 19:05 UTC](https://community.monzo.com/t/online-virtual-cards/1637/4 "2016-04-28T19:05:50Z")
Cahoot used to offer this feature when I was one of their customers years ago. You logged in and a virtual card was created based on whatever amount you entered as the card’s limit. The card’s expiry period was set to one month and CVV digits were made available for sites that needed them. A useful feature if you were ever dubious about making certain online transactions. ---
**Author:** ![anon87121849](https://avatars.discourse-cdn.com/v4/letter/a/6de8d8/32.png) [@anon87121849](https://community.monzo.com/u/anon87121849)\ **Post date:** [5 May 2016 14:17 UTC](https://community.monzo.com/t/online-virtual-cards/1637/5 "2016-05-05T14:17:33Z")
Wirecard does offer this service. And I don’t think its a big expense. I think normally they would just give mondo the option to offer a package to users. i.e 1 physical card and 5 virtual cards. but i don’t think it is really a cost issue with the virtual card, but more for stopping over-enthusiastic customers using a new card for every single thing they do. and having 100’s of virtual cards ---
**Author:** ![anon25115823](https://avatars.discourse-cdn.com/v4/letter/a/eb9ed0/32.png) [@anon25115823](https://community.monzo.com/u/anon25115823)\ **Post date:** [28 July 2016 15:42 UTC](https://community.monzo.com/t/online-virtual-cards/1637/6 "2016-07-28T15:42:56Z")
Isnt Apple Pay kind of a step on from the cahoot webcard. As in neither shared/s the actual data with the merchant but Apple Pay removes the need for the webcard anyway. Especially with them pushing it in safari that will pretty much resolve it? ---
**Author:** ![billinghamj](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/billinghamj/32/131_2.png) [@billinghamj](https://community.monzo.com/u/billinghamj)\ **Post date:** [28 July 2016 15:47 UTC](https://community.monzo.com/t/online-virtual-cards/1637/7 "2016-07-28T15:47:05Z")
It is a lot more sophisticated than the virtual card generators which used to be provided by banks, but yes same basic principle. ---
**Author:** ![alexs](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/alexs/32/2443_2.png) [@alexs](https://community.monzo.com/u/alexs)\ **Post date:** [16 August 2016 19:54 UTC](https://community.monzo.com/t/online-virtual-cards/1637/8 "2016-08-16T19:54:05Z")
Tom talked about enabling the creation of virtual cards in yesterday’s Periscope chat (there’s a link to the video in the post I’ve quoted). > [@Periscope Chat with Tom Blomfield (:mondo: CEO) 15/8/16 tv](https://community.monzo.com/t/periscope-chat-with-tom-blomfield-mondo-ceo-15-8-16-tv/5297/1): > > Offering several account &/or card numbers per user (7:21) ---
**Author:** ![alexs](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/alexs/32/2443_2.png) [@alexs](https://community.monzo.com/u/alexs)\ **Post date:** [4 November 2016 17:37 UTC](https://community.monzo.com/t/online-virtual-cards/1637/9 "2016-11-04T17:37:14Z")
Just to keep everything tied together - I spotted this old comment Daniel, in the fraud team which talks about the ways that virtual cards could benefit them - > [@Fraud investigations (not Mondo specific)](https://community.monzo.com/t/fraud-investigations-not-mondo-specific/5092/5): > > Once we are fully operational and have access to more data I’d like to experiment with having a different PAN (card number) for contactless 📶 / chip and pin / mag stripe /online. This would give us greater visibility 👀 into how card details were being compromised and also reduce fraud exposure as a PAN that a fraudster could obtain via contactless would be useless to them. ---
**Author:** ![alexs](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/alexs/32/2443_2.png) [@alexs](https://community.monzo.com/u/alexs)\ **Post date:** [6 November 2016 20:03 UTC](https://community.monzo.com/t/online-virtual-cards/1637/10 "2016-11-06T20:03:40Z")
The feasibility question’s been mentioned [a couple of times](https://community.monzo.com/t/static-cvv-numbers-are-so-last-decade/6275/7), here’s some more insight into this, which Richard shared today - ![](https://global.discourse-cdn.com/monzo/original/2X/2/2ac0bd4432484aecdf1224d1a4cb266ee14ccaab.jpg) ---
**Author:** ![alexs](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/alexs/32/2443_2.png) [@alexs](https://community.monzo.com/u/alexs)\ **Post date:** [27 November 2016 15:25 UTC](https://community.monzo.com/t/online-virtual-cards/1637/11 "2016-11-27T15:25:32Z")
Here’s some more detail on the use case for virtual cards, from a Monzo Security and Fraud engineer - > [@Regenerating 3 digit CVV / security code](https://community.monzo.com/t/regenerating-3-digit-cvv-security-code/6790/3): > > It could, potentially, be better to allow the user to generate full one time PANs (primary account numbers i.e. the 16 digit card number) from within the app. One of the things I find quite frustrating about fraud is the lack of visibility we have (as a bank) into what facilitated certain instances of fraud. For example, we know that a criminal somehow got a copy of someone’s card details and did an online payment but we have no visibility into how they did that, did they skim the contactless? Did they breach the database of an online retailer? Did they have an ATM skimmer? Did they just guess the details? If we can use different PANs for different things then we get more visibility into how the criminals are getting the card details and know where to focus efforts. It’s always interesting to hear how adding these features can help Monzo prevent fraud, which ultimately benefits users too 👍 ---
**Author:** ![\_Colin\_W](https://avatars.discourse-cdn.com/v4/letter/_/94ad74/32.png) [@\_Colin\_W](https://community.monzo.com/u/_Colin_W)\ **Post date:** [21 February 2017 10:58 UTC](https://community.monzo.com/t/online-virtual-cards/1637/12 "2017-02-21T10:58:10Z")
On a related matter, sometimes (such as today!) I would like to have a virtual (legacy other bank) current account number (and sort code?) to provide to a third party. I realise it is hard to abuse a sort code/account number, but it doesn’t always feel right giving these away to one-off payees, who I perhaps don’t trust. Monzo Me helps get round this for smaller transactions with some people, but only for payment by card. Or could each account holder have two or three numbers, one of which is “money inbound only”? From a money laundering/fraud perspective, the virtual account can still be traced to the primary Monzo account holder, and I suppose when account name becomes part of the payment check step, there will be less problems caused by re-use of account numbers? ---
**Author:** ![Chris\_H](https://avatars.discourse-cdn.com/v4/letter/c/439d5e/32.png) [@Chris\_H](https://community.monzo.com/u/Chris_H)\ **Post date:** [7 March 2017 10:28 UTC](https://community.monzo.com/t/online-virtual-cards/1637/13 "2017-03-07T10:28:52Z")
I would love to see this - sometimes I don’t want to give out my main card details and being able to use a one-time or virtual card instead would be an absolute gamechanger. It would certainly cement me as a loyal Monzo customer! ---
**Author:** ![alexs](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/alexs/32/2443_2.png) [@alexs](https://community.monzo.com/u/alexs)\ **Post date:** [27 April 2017 10:38 UTC](https://community.monzo.com/t/online-virtual-cards/1637/14 "2017-04-27T10:38:23Z")
Daniel’s just confirmed that this is something he’s working on & shared a little bit of detail on how this will work 😍 > [@The Monzo Weekly Diary 2.0](https://community.monzo.com/t/the-monzo-weekly-diary-2-0/7113/46): > > The ability to create virtual cards from within the app and use them online. ---
**Author:** ![simonhunter87](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/simonhunter87/32/25144_2.png) [@simonhunter87](https://community.monzo.com/u/simonhunter87)\ **Post date:** [29 May 2017 22:23 UTC](https://community.monzo.com/t/online-virtual-cards/1637/15 "2017-05-29T22:23:01Z")
could this also work for instant issuing of cards? e.g. i lost my card/it was stolen. you instantly issue me a new card that i can use online and/or add to android pay/apple pay/samsung pay? ---
**Author:** ![alexs](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/alexs/32/2443_2.png) [@alexs](https://community.monzo.com/u/alexs)\ **Post date:** [29 May 2017 22:35 UTC](https://community.monzo.com/t/online-virtual-cards/1637/16 "2017-05-29T22:35:02Z")
Potentially yes 😍 Jonas mentioned how instant issuing _could_ work a while ago in a podcast - for a slightly different use case but obviously the technology is the same - > [@How To Build A Bank & The Road To 1 Billion Customers - FinTech Insider - Podcast radio](https://community.monzo.com/t/how-to-build-a-bank-the-road-to-1-billion-customers-fintech-insider-podcast-radio/6987/1): > > Jonas describes a very cool sounding process that Monzo could possibly build once the full banking license has been granted where: > > Someone wants to transfer £20 to their friend but doesn’t have their bank account details… > > The user could send them a link which allows them to enter their account number & sort code. > Or > The site invites the person to open a Monzo account with a £20 balance, a virtual debit card is created instantly & loaded into their Apple / Android Pay wallet & they can then immediately buy something with it or withdraw the money from a cardless ATM 😍 ---
**Author:** ![thebuat](https://avatars.discourse-cdn.com/v4/letter/t/82dd89/32.png) [@thebuat](https://community.monzo.com/u/thebuat)\ **Post date:** [30 May 2017 08:18 UTC](https://community.monzo.com/t/online-virtual-cards/1637/17 "2017-05-30T08:18:08Z")
From experience with Apple Pay, as soon as my bank (Santander) cancelled my old card and said they were sending my new card the card in my Apple Wallet updated so could be used straight away. Not sure if this is standard functionality of Apple Pay (and android/samsung etc.) or not. ---
**Author:** ![simonhunter87](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/simonhunter87/32/25144_2.png) [@simonhunter87](https://community.monzo.com/u/simonhunter87)\ **Post date:** [30 May 2017 13:37 UTC](https://community.monzo.com/t/online-virtual-cards/1637/18 "2017-05-30T13:37:15Z")
Really? I’ve read in bank and apple and android support that this doesnt happen - but great if it does! They all say you need to manually add your new card. ---
**Author:** ![thebuat](https://avatars.discourse-cdn.com/v4/letter/t/82dd89/32.png) [@thebuat](https://community.monzo.com/u/thebuat)\ **Post date:** [30 May 2017 14:30 UTC](https://community.monzo.com/t/online-virtual-cards/1637/19 "2017-05-30T14:30:57Z")
That’s how it worked for me, as I say not sure if it’s just Santander or not, but was practically instantaneous from the guy saying my new card would be with me in a few days. He even specifically said I could carry on using Apple Pay. ---
**Author:** ![anon45057396](https://avatars.discourse-cdn.com/v4/letter/a/b3f665/32.png) [@anon45057396](https://community.monzo.com/u/anon45057396)\ **Post date:** [31 May 2017 09:05 UTC](https://community.monzo.com/t/online-virtual-cards/1637/20 "2017-05-31T09:05:22Z")
I came here to suggest exactly the same thing – Revolut have the option to add additional cards (£5 each) which can either be virtual or physical (same price for each for some reason). However at home in the UK I prefer to do everything through Monzo due to the better app interface and money management features. Having just got a replacement card, it means changing card details on Amazon, Uber, Spotify etc, and it would be great to have an ‘un-losable’ virtual card which would still add all the spends to my Monzo totals… [Next page](https://community.monzo.com/t/online-virtual-cards/1637.md?page=2)