How to open a virtual Visa card: all possible ways to create a card. Cards of foreign banks Internet service with virtual credit cards

26.07.2023

The most important advantage of virtual cards is their versatility. With the help of such a card, it becomes possible to pay for purchases in online stores in any country in the world.

Another positive aspect is the convenience of receiving it without having to visit a bank branch. This operation can be carried out using a mobile phone, the Internet or an ATM. Receiving card details is almost instantaneous.

Safety in use is also very important to customers. Virtual cards eliminate the possibility of various types of fraud associated with the transfer of details. You can order such a card with any amount of money on it, which can be spent by making just one payment. It is almost impossible to steal money from such a card.

Minuses

Negative aspects of using virtual cards include the inability to use them to make payments at ordinary ATMs and stores, some restrictions on use that the bank sets, namely: a fixed payment limit and a short card validity period.

Payment in online stores around the world without problems. US Bank virtual VISA card, opening and issuing a card via the Internet. American billing address, your name on the card, convenient ways to replenish the card online.

An excellent inexpensive (compared to Shipito) service, Russian-speaking, which is important, which will receive your parcel to an address in the USA and forward it to Russia. Has its own forwarding service that delivers packages from the USA in 2 weeks! Plus, the “Help to Buy” service works perfectly, and when making purchases in some stores, this service is free.

Well, personal experience, of course. I received the card when I needed to purchase medications that are only sold in the USA. I had an address in Shipito for a long time, and I paid for purchases either with a Czech bank card (I once opened an account in Prague), or, if a Czech card was not accepted, I used the services of intermediaries a couple of times. Because even when paying via PayPal, it most often requires that it be an American account. But in the end I was pretty tired of this situation, and given that I began to make purchases in the USA more and more often, I decided not to put it off any longer and get a virtual credit card, which I am now happy about. I made purchases in three (so far) stores, and there were no problems at all. I top up via Yandex or webmoney. So, gentlemen, I recommend it!

Every diligent shopaholic who navigates the vast expanses of the largest consumer goods market - the US market, sooner or later faces the same problem - well, some American stores do not accept bank cards issued by Russian banks. What to do in such a situation, and how the US Unlocked service can help, read our review.

Chic Nordstrom and affordable Fossil, fashionable Todd Snyder and the everything-in-the-world store Walmart, elite Bloomingdales and useful Dell - the list of US stores that do not accept our cards is huge and sometimes the things that we just need are sold exclusively there. There can be many reasons why this happens. From banal distrust in our banking system and reluctance to spend money on additional security systems to the business policy of one or another brand that sends customers to a local website, as, for example, the same American Adidas does. But our prices, naturally, are different.

Of course, some will say, you can turn to the services of intermediaries. But how much can you trust them? Moreover, now, in conditions of a serious decline in orders and financial instability. And the example of one of the leading operators in the market of foreign online shopping services, Dostami, which has already stopped fulfilling its obligations to clients, is known to everyone.

And besides, if you are used to making purchases exclusively on your own, using either the delivery of sellers or the services of mail forwarders, then there is only one option on the market today to buy where you want and need it. This is a reloadable US Unlocked virtual card with a US billing address.

But before we tell you how it works and how much it costs, please note: for purchases in American stores that do not accept our cards, you must enable a VPN connection in the USA, because the IP address from which you enter the store , must be American.

How to get a US Unlocked card

The registration process is very simple and straightforward. On the site, enter your email address and create a password. Next, enter your first and last name, and even lower, select the warehouse address in the USA from available partners:

Immediately enter your address in Russia - enter the real address, you will need communications with the system in the future. The next stage is replenishing your account. By clicking on the “Next” button you go to a page where you are asked to determine the amount you are willing to deposit into your account:

Please note that you will be immediately charged $5 for activating the card. In 2-4 business days the card will be activated.

Here choose which one is closer to you. And the amount consists of: $5 (activation) + $100 (replenishment amount) + system commission (different for all payment systems).

After replenishing your account using one of the specified methods, all you have to do is go through verification - identity confirmation. To do this, you need to upload two documents into the system. It can be:

— a valid identity document (passport, driver’s license);
- a document confirming the address, no more than 3 months old, where your name and address will be indicated. Telephone or utility bills and bank statements are accepted:

The verification usually takes one to two days. After this, as stated above, within 2-4 business days you receive a notification that the card is fully activated and that you can carry out transactions on it.

Once again, the card is virtual, that is, you do not receive plastic in your hands; only data is sent to your personal account on the website usunlocked.com - card number, validity period and CVC authenticity code.

And finally, the main numbers you need to know when working with the US Unlocked card:

1. Monthly card maintenance fee is $3.5

2. For each successful transaction, the US Bank charges a commission of $0.5, for a failed or canceled one - $0.75

3. There is a fee for replenishment - see above, more details on the website usunlocked.com

And most importantly, before shopping in “sophisticated” stores, do not forget to turn on the VPN. Happy shopping!

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Important! MasterCard has banned payment systems from issuing cards for non-EU residents. That is, anonymous MasterCard cards are no longer available to residents of the CIS.

Each state strives to control its citizens as much as possible, including their financial transactions. But there will always be people who want to remain incognito for all kinds of monitoring organizations.

Nowadays it is easy to remain financially anonymous, especially thanks to the widespread use of cryptocurrencies. And offshore cards are a convenient way to anonymously withdraw money earned on the Internet, remaining unnoticed by the tax service and without fear of blocking your bank account by the security service.

In order to remain invisible to the regulatory authorities of your country's government, it is not necessary to use a card from a bank located in an offshore zone. It is enough to use the services of a bank in another country that does not transfer data to anyone (exceptions can only be made at the request of Interpol).

In this article, I decided to compare several popular anonymous cards that any citizen of the former CIS countries can order.

Comparison of offshore plastic cards.

A little about offshore bank cards.

  • Cards are issued by the international payment systems Visa and MasterCard, so most often the main currencies are euros, dollars or British pounds.
  • It is most profitable to use cards if you receive money in dollars or euros and plan to withdraw it in these currencies. The fact is that when withdrawing a currency that differs from the main currency of the card, you will be charged an additional commission of at least 2% for the exchange. In addition, the exchange will take place at a very unfavorable rate for you.
  • Most commissions charged for transactions are fixed and not a percentage of the transaction amount. This means that it is more profitable to transfer and withdraw large sums of money to the card. So, when withdrawing $1000 or more, the commission can be less than 0.5%.
  • When using some cards, you will have to pay for operations that you have already become accustomed to being free of charge when using regular banks, for example: changing the PIN code, checking the balance, closing the card, etc.

Offshore Payeer MasterCard.

The most popular anonymous payment system on the RuNet offers you to purchase a Payeer MasterCard plastic card.

It can be ordered by both a verified user and an unverified one. But if you do not confirm your identity, you will have a limit of $1,000 for ATM withdrawals and $1,500 for online purchases. After you reach this amount, you will need to send a scan of your passport to confirm your identity and increase your limits.

The card is issued free of charge, but shipping will cost $9. You can speed up delivery time by using express delivery for $35. The card is valid for 3 years.

Transferring to a card from a wallet is subject to a commission of 2.9% + $0.99. And when withdrawing money you will have to pay a commission of 1.99 - 3.5 dollars. And if you decide to withdraw money in another currency, you will pay an additional 2.5% for currency exchange.

Money held on Payeer Platinum MasterCard is insured by IADI (European Deposit Insurance System) in the amount of 100,000 euros. This means that if the bank is closed, the money will be returned to you.

Transfers from WebMoney cannot be made either directly or through exchangers. Therefore, the only option is to make a transit transfer using an additional currency. For example, transfer WMZ to Advanced Cash, and from there to Payeer.

Calculation of commissions.

Let's calculate how much you will have to pay in the form of commissions when withdrawing $1000.

  • Withdrawal of 1000 dollars from Payeer through an ATM in dollars.$1000 – 2.9% – $0.99 – $3.5 = $966.51. In total you will have to pay about 3.4% commission.
  • Withdrawal of $1000 from Payeer through an ATM in another currency.$1000 – 2.9% – $0.99 – $3.5 – 2% = $947.1. In total, you will have to pay about 5.3% commission.

Offshore Advanced Cash MasterCard.

Ordering a card is available only to verified users. For the first 7 days after registration, the cost of the card will be $4.99. After this period, the price will increase to $14.99.

Transfers from wallet to card will be subject to a fee of $0.99, and withdrawals from an ATM will be charged $1.99. Online purchases in the main currency of the card are not subject to commission.

When withdrawing money from an ATM or when making online purchases in other currencies, an additional 2% will be charged for currency exchange. The card is valid for 3 years.

There is the possibility of direct transfer from WebMoney with a commission of 3%.

Calculation of commissions.
  • Withdrawal of 1000 dollars from AdvCash through an ATM in dollars.$1000 – $0.99 – $2.99 ​​= $996.2. In total you will have to pay about 0.4% commission.
  • Withdrawing $1000 from AdvCash through an ATM in another currency.$1000 – $0.99 – $2.99 ​​– 2% = $976. In total, you will have to pay about 2.4% commission.
  • Withdrawal of 1000 dollars from WebMoney via AdvCash card in dollars.$1000 – 0.8% – 3% – $0.99 – $2.99 ​​= $958. In total you will have to pay a commission of about 4.2%.
  • Withdrawal of $1000 from WebMoney via AdvCash card in another currency.$1000 – 0.8% – 3% – $0.99 – $2.99 ​​– 2% = $939. In total you will have to pay a commission of about 6.1%.

You can register in this payment system and order a card.

Offshore OkPay MasterCard.

The card can only be ordered by verified users of the OkPay payment system. The card costs $15, shipping is free and takes about a month. If you want to use express shipping, add another $55.

Transferring money from an OkPay wallet to a card is subject to a commission of $3. And when withdrawing money from ATMs, you will have to pay a commission of 2% (from 3 to 15 dollars).

For every 180 days of inactivity, the card will be charged $10. The card is valid for 2 years.

Money transfers from WebMoney directly or through exchange offices are not carried out. Therefore, to withdraw from WebMoney you will have to use a transit currency.

Calculation of commissions.
  • Withdrawal of 1000 dollars from OkPay through an ATM in dollars.$1000 – $3 – 2% ($15) = $982. In total you will have to pay a commission of about 1.8%.

You can register in this payment system and order a card.

MoneyPolo Visa Card.

A plastic card can only be ordered by verified users of the MoneyPolo payment system. 3 currencies are available: dollars, euros and British pounds.

Card making costs $19.99 and shipping is free. Express delivery will cost $50.

Topping up your card is subject to a $2 fee. When withdrawing from ATMs, you will be charged an additional $3.6.

If you decide to withdraw money from an ATM or make an online purchase in other currencies, you will pay a 2.75% fee for currency exchange.

The card is valid for 3 years. There is no direct transfer from WebMoney.

Calculation of commissions.
  • Withdraw $1000 from MoneyPolo via ATM in dollars.$1000 – $2 – $3.6 = $994.4. In total you will have to pay a commission of about 0.6%.
  • $1000 – $2 – $3.6 – 2.75% = $967. In total you will have to pay a commission of about 3.3%.

You can register in this payment system and order a card.

A card from ePayments can be ordered by both verified users and those who do not want to confirm their identity. But unverified users will face restrictions, such as a $1,000 limit on all transactions.

Although the company is registered in the UK, they claim they do not share their customers' personal data with anyone.

The cost of issuing the card is $35, shipping is free. If you want to use express delivery, you will have to shell out an additional $89.95.

There is a fee for using the card for each year except the first. Its size is 35 dollars. And for every 6 months of non-use of the card you will have to pay $10.

Topping up your card from your ePayments wallet is free. And to withdraw money from an ATM you will have to pay a commission of 2.6 dollars. When withdrawing money in other currencies, an additional 2.6% will be charged for currency exchange.

There are direct transfers from WebMoney with a commission of 1%.

Calculation of commissions.
  • Withdrawal of 1000 dollars from ePayments via ATM in dollars.$1000 – $2.6 = $997.4. In total you will have to pay about 0.3% commission.
  • Withdrawal of $1000 from ePayments via ATM in another currency.$1000 – $2.6 – 2.6% = $971.4. In total you will have to pay about 2.9% commission.
  • Withdrawal of 1000 dollars from WebMoney via ePayments card in dollars.$1000 – 0.8% – 1% – $2.6 = $979. In total you will have to pay a commission of about 2.1%.
  • Withdrawal of $1000 from WebMoney via ePayments card in another currency.$1000 – 0.8% – 1% – $2.6 – 2.6% = $954. In total you will have to pay a commission of about 4.6%.

You can register in this payment system and order a card.

We offer you a specialized product created only for payments on the Internet - a personalized MasterCard Virtual card. This card cannot be used to pay in a regular store or withdraw cash, since the card does not have a magnetic stripe and a PIN code is not issued for it.

Advantages of the MasterCard Virtual card

  • Free connection to the 3D-Secure service.
  • PSBonus bonus program - accumulate bonus points for card purchases and exchange accumulated bonuses for rewards that you need!
  • Possibility to block the card immediately after purchase. You can unblock the card yourself in online banking or by calling the contact center.
  • The card is valid for 2 years.

Getting a MasterCard Virtual card

  • You can apply for a card at the bank’s office or independently in the Internet bank.
  • There is no limit to the number of MasterCard Virtual cards you can have at one time.
  • The card production time is up to 5 working days, the card can be received only at the bank office.
  • Virtual cards are issued in Russian rubles, US dollars and euros at the “Basic” tariff.

Benefits of a Virtual Prepaid Visa Card

  • Instant issue and receipt of card details.
  • Payment of the commission for issuing a card in Internet banking from an account or using a card of any bank.
  • Free connection to SMS information and 3D-Secure services.
  • Possibility of issuing a card with a certain limit for each purchase.
  • Top up your card in Internet banking.
  • The card is valid for 3 months.

You can purchase a prepaid virtual card in the PSB-Retail Internet bank in the “My Bank/Cards” section.



If you are not an Internet banking user, go through a simplified online registration in the PSB-Retail system (without visiting a bank office) and pay for the issue of a virtual prepaid card with a card from any bank.

Helpful information

  1. Limits on virtual prepaid Visa card:
    • Existing clients with access to the PSB-Retail Internet bank can issue a virtual prepaid card with a denomination not exceeding 300,000 (three hundred thousand) rubles. The total amount of transactions on a virtual prepaid card is unlimited.
    • New Internet banking users who have undergone simplified registration in the PSB-Retail Internet bank can issue a virtual prepaid card with a denomination not exceeding 15,000 (fifteen thousand) rubles. The total amount of transactions on a virtual prepaid card does not exceed 40,000 (forty thousand) rubles during a calendar month.
    • The number of cards that can be held simultaneously for both existing and new clients is no more than 2 (two).
  2. Obtaining virtual prepaid Visa card details:
    • The number and validity period of the virtual prepaid card are available for viewing in the PSB-Retail Internet bank in the “My Bank” section.
    • The last 4 digits of the card number and the secret code of the CVV2/СVC2 card are sent to you in an SMS message to the mobile phone number you specified when issuing the virtual prepaid card.
    • You can order the resending of an SMS message containing the secret code CVV2/CVC2 and the last 4 digits of the virtual prepaid card in the PSB-Retail Internet bank in the “My Bank” section.
  3. Replenishment of a virtual prepaid Visa card is possible:
    • in the PSB-Retail Internet bank;
    • using the service “Transfers from card to card”.
  4. The currency in which a virtual prepaid card can be issued is Russian rubles. Conversion of funds when making transactions in US dollars or euros using a virtual prepaid card is carried out at the bank's rate in accordance with current tariffs.
  5. You can familiarize yourself with the rules and tariffs for issuing and servicing prepaid virtual cards.