Try out virtual cards 💫

Hi all, it’s Rachael from US Marketing, and I’m here to tell you about our virtual cards, our first feature launch to kick off the new year :rocket:

But wait… what is a virtual card?

Virtual cards are just like a real card, with unique card numbers and CVCs. They’re great for when you don’t want to use your physical card details. (Like for example shopping on a website you’re not too sure of). You can also add them to Apple Pay or Google Pay to use them in person.

Three settings to choose from

  • Free trial cards - These cancel after the card is checked, so you won’t be charged later.
  • Single-use cards - These cancel after one purchase, so you can shop with peace-of-mind
  • Standard cards - You can use these for repeat uses and set an auto-cancel for when you don’t need it anymore.

As always, we’d love to hear your feedback!

We’d love to know how you’re using the cards, and if you have any questions.

This is going to be an exciting year for Monzo US so stay tuned for more!

8 Likes

This is a great idea in my opinion. I don’t believe we have these options here in the UK. Just standard virtual cards

7 Likes

Sounds like it’s a free, and much more fleshed out feature than the UK folk have to pay for

15 Likes

And, here’s the kicker: one we’ll never get, paid for or otherwise. Prove me wrong, Monzo. Please.

Nice to see a bit of life on the other side of the pond though! Excellent new feature. Hope to see more updates.

10 Likes

Another feature the US gets, seems like UK is getting left behind

11 Likes

This is a much better deal than the UK get. :woozy_face:

5 Likes

Everything in the US is a much better deal than the UK get

7 Likes

Anyone think, that maybe, the increased interchange fees in the US mean they don’t have to charge for these bits of functionality, whereas they choose to in the UK? :thinking:

1 Like

We want it now! We want it for free! We won’t stand to reason!

6 Likes

Exciting feature. Is it live? I don’t see it in the app.

Good grief Monzo why aren’t you introducing these in the UK?

Cards that essentially destroy themselves after one use is actually a helpful feature.

5 Likes

Something Revolut has offered for free for years too.

2 Likes

Seems like a fair explanation, but I still don’t think VC’s should be paywalled when it doesn’t cost anything to produce them.

Card numbers don’t grow on trees

2 Likes

Come to think of it, I wonder how often these virtual numbers can be recycled? Surely once a number is “burned” it would be incredibly wasteful if it couldn’t be reused at some point in the future.

What does it waste? :thinking:

I presume a number. There are theoretically finite numbers available.

2 Likes

They could generate around 10 billion to 1 trillion unique cards per BIN before they’d need to start worrying about reusing them.

There’s no concern of them running out, wasting, or needing to reuse them, really.

And if/when we ever reach that point, they can always just make the string of numbers longer, or move towards a numberless tokenised system, that systems like Apple Pay, and numberless cards, already have paved the way for.

1 Like

Oh I see. Yes as @N26throwaway says those are not running out anytime soon :smiley: go wild

1 Like

Oh I know I just can only think that’s what they were referring to.

1 Like