Kiwi virtual map. How to create a virtual Sberbank card for online payments

Hello dear readers!

In this article, we'll talk about virtual maps. Today, virtual cards are issued by many banks and payment systems... Let me figure out why you need it at all virtual card, how to use it and which VK is better?

Why do you need virtual cards

E-commerce and digital money are evolving faster than global economy... Already today, many more and more often make purchases on the Internet, and we only go to a real store for groceries.

It is very convenient to select the desired product right from your screen, see reviews and pay for it right there. Whether it is a small pendant, a new mobile phone, a bathroom cabinet, whatever. In fact, there are already real estate transactions that are being discussed and concluded online.

Virtual cards are just designed to help us with online financial management. The digital card will be useful for us both for making money and for shopping. Well, if necessary, we can always make a regular plastic card, the balance of which will duplicate the balance of the virtual card.

And yet, the digital version of the card has several advantages over the plastic one.

Virtual map: pros and cons

At first, a virtual card is usually cheaper than a plastic one. This is understandable. Issuers (those who issue the card), because there is no need to spend money on production, storage and employees who will distribute cards. Often, virtual cards are generally free. But we'll talk about this a little later.

Secondly, the virtual card cannot be lost, bent, forgotten in the pocket of your trousers and washed 🙂 It is physically impossible to steal it either. At the same time, the security of a virtual card is exactly the same as that of a regular one (there is also a binding to the phone and a pin code, if necessary).

Thirdly, you do not need to go to the bank for a virtual card. You can get it online.

Fourthly, virtual cards can be anonymous. If the limit of 15,000 rubles for an operation is enough for you, then you do not need to transfer personal information to the bank (or payment system) at all.

Add to this the cultural factor, which is not unimportant for young people. Surprisingly, when you pay modern methods(yes, even by phone), people look at you like natives from the 16th century at a lighter. 🙂

What can I say about virtual cards. In short, it's just fast, safe, cheap, and fashionable too.

OK. We figured out the pluses. Now let's see what disadvantages virtual cards have:

• You cannot withdraw cash from VK at an ATM, since our ATMs definitely need to insert something to work. True, some of the most advanced terminals already have the ability to work with virtual cards (including withdrawing cash);
• for the same reason, virtual cards cannot be paid in regular stores. But, again, there is a solution: bind a virtual card to the phone and pay with the phone (today a huge number of models support this function).

How to use a virtual card

You can use a virtual card in the same way as a regular one: to receive, store money, for transfers and to pay for goods / services.

The only difference is that the virtual card is more "sharpened" for online, and the plastic one is needed to pay "the old fashioned way", that is, for purchases, basically, personal presence is required.

A virtual card has exactly the same type of requisites as a plastic one. There is a card number, a three-digit code (CVC / CVC2 / CVV-code) and an expiration date. These data are sent to you by SMS when ordering a card.

The details of the virtual card can be used to receive a salary, simply by transferring them to your accountants / personnel officers.

Virtual card replenishment can also be done through the Internet bank, most electronic payment systems or through one of the electronic exchange offices.

The simplest thing is to make a regular transfer using the card number.

Which virtual card to choose

Every day more and more companies offer us their virtual cards. These are banks and payment systems and even mobile operators. How to understand all this variety and which card to choose?

In fact, there are many differences between cards of different issuers, ranging from the cost of service, validity periods and ending with the limits on the operation.

Let's take a look at the key information about the most popular virtual maps and then compare and draw conclusions.

Sberbank

This is the largest credit organisation of Eastern Europe and the most expensive brand in Russia. In terms of the number of clients, Sberbank is far ahead of its closest pursuers, the banks. And, it is logical that Sberbank was one of the first to offer its customers virtual cards.

Sberbank in last years strives to become the most high-tech bank in Russia and was one of the first to offer virtual cards to clients

Any client of Sberbank can order the card. This can be done by calling 8-800-200-37-47, or in person at any client office. It is surprising that neither Sberbank-online nor mobile bank The virtual card cannot be ordered yet.

Sberbank issues virtual Visa and Mastercard of the simplest class. Such a card will have a standard 16-digit number and a 3-digit CVC2 code.

The card is issued for three years. The service cost is 60 rubles per year. It is possible to order a prepaid debit card for 15,000 rubles without any documents at all.

Tinkoff

known for the fact that he specializes in online services. This credit institution has practically no client offices. Thanks to this, the bank does not have significant expenses for the maintenance of premises, or for a large staff, and many services are offered much cheaper than other banks.

Virtual Tinkoff map created immediately after registration on the bank's website

Tinkoff began to issue massively virtual cards in May 2016. In fact, a virtual card is created when registering on the site. It takes 15 seconds and only requires a phone number.

Created MasterCard with standard details, for a period of one year. Issuance and maintenance of the card is free of charge. Also, almost all transactions up to 40,000 rubles are free. If more, then a commission of 2% is taken.

You can create a map online from a computer, tablet, mobile phone and any device that has an Internet browser.

Virtual card PromSvyazBank

has always been a strong middle peasant banking system our country. This credit institution is confidently included in the TOP-15 banks in terms of assets and number of clients. And if we talk only about the retail segment, then the positions of Promsvyazbank are even higher.

Promsvyazbank's online bank is also one of the best, simple and convenient. I judge this from my own long-term experience. Really, everything is done very conveniently. This is how you can order a virtual card through the online bank.

The Promsvyazbank virtual card is issued for 2 years. The advantages of this card are the absence of limits, high security (3D-Secure) and the ability to create a card in dollars. Minus - the cost of maintenance is 120 rubles per year, which is higher than that of many competitors.

Also, you can order a prepaid Visa card Virtual Card with a limit of 15,000 rubles, but no documents at all.

Alfa Bank

It is also one of the market leaders banking services... Moreover, not only Russian, but also other Eastern European countries.

Alfa-Bank's virtual card is one of the cheapest in service

Today, Alfa-Bank is a diversified group of companies, which has its own broker and depository and even a research laboratory. It is not surprising that Alpha is among the first to offer the latest payment solutions, including virtual cards.

Moreover, Alpha offers a whole range of VCs, with different status. Their cost varies from 49 rubles for a prepaid card to 99 rubles per year for a regular VK with maximum security and a system of bonuses from Alfa-Bank.

You can open a virtual card through the Internet bank. True, a prerequisite is the presence of the usual plastic card in this bank.

Virtual Megafon card

The largest mobile operator in Russia also decided to keep up and began to distribute its cards. Both conventional and virtual (MegaFon-Visa).

To get a virtual card

You need to be their client (have their SIM card). Dial the command on the phone * 455 * 1 # and the card details will come in a reply SMS.

The balance of the card will be equal to the amount on your account mobile phone... The commission for payments to such a card will be 5 rubles + 1.5% of the payment amount.

True, it should be noted that Megafon has now begun to restrict the issuance of virtual cards, since this service has not really "gone" with them.

The virtual map, in my opinion, is one of the most interesting.

Yandex's B-card is one of the best: easy to use and free. But, it works only with rubles.

The card is released in a couple of clicks, that is, in a few seconds. Issuance and maintenance is free. There is no commission for payments. Transfers through mobile app- is free.

The card balance duplicates the Yandex.Money balance. And, this gives a couple of significant advantages.

First, we ourselves can choose the level of anonymity and, accordingly, the limits.

Secondly, we can pay not only where cards are accepted, but also where Yandex.Money is accepted.

I see only one minus for such a card. Only rubles can be selected as the currency. True, automatic conversion works well (at the internal rate of MasterCard + 2%).

Yandex virtual card is created as MasterCard and has standard details. The validity period is one year.

QIWI virtual card

We are offered an excellent, secure virtual card with no service fees. The balance of the card will correspond to the balance on the QIWI wallet.

The peculiarities of the QIWI virtual card are that it is issued like a Visa. The validity period is 2 years.

The commission for replenishment of the card is 2.5%, and for the transfer - 2%. In my opinion, this is a fairly high commission.

It is also possible to order an anonymous prepaid card with a balance of up to 15,000 rubles.

Virtual card AdvCash

The payment system also makes it possible to create virtual cards. The card will be convenient, for example, for those who make investments in. Well, or for those who need a dollar (euro) virtual card for shopping on the Internet.

A virtual card AdvCash costs $ 4 (from the bottom $ 1 - the cost of the card and $ 3 - the commission for paying the cost of the card). As for me, the cost is overpriced 🙂

Card service is free and valid for 3 years. There are no internal commissions for purchases and transfers.

The card is created according to the MasterCard type, has standard details and duplicates the balance of your account in AdvCash.

You can order this card anonymously (no identification). The card is created instantly and can be ordered immediately after a short registration in the system.

Comparison of different virtual cards

Map	Card type	Term	Commissions	Conditions
Sberbank	Visa or Mastercard (RUR)	3 years	Service: 60 rubles / year Transfers: from 0% (to Sberbank clients) to 3% (to other banks)	Availability of a Sberbank plastic card
Tinkoff	Mastercard (RUR)	1 year	Service: free Transfers: 2% on transactions> 40,000 rubles, 0% on transactions<40 000 руб.	-
Promsvyazbank	Mastercard (RUR, USD, EUR)	2 years	Service: 120 rubles / year Transfers: 1% (to PSB clients), 1.5% (to another bank)	-
Alfa Bank	Mastercard (RUR)	2 years	Service: up to 99 rubles / year Transfers: 0% (to clients A-B), 1.95% (to another bank)	Alfa-Bank plastic card
Megaphone	Visa (RUR)	6 months	Service: free Transfers: 1.5% + 5 rubles.	-
Yandex	Mastercard (RUR)	1 year	Service: free Transfers: 0% (to Yandex wallets), 3.5% + 15 rubles. (to other cards)	-
QIWI	Visa (RUR)	3 years	Service: 2.5% for restocking Transfers: 0% (to QIWI wallets), 2% (to other cards)	-
AdvCash	Mastercard (USD, EUR)	3 years	Service: $ 4 per issue Transfers: no commission	-

Once again, I want to repeat separately that in addition to the standard virtual cards indicated in the table, each of these companies additionally offers prepaid (completely anonymous) cards with a limit of up to 15,000 rubles. Fifteen thousand is a limitation of Russian legislation, introduced with the aim of countering the legalization of proceeds from crime.

I will also add that virtual cards of Sberbank, PSB, Alfa-Bank and Yandex can be linked to your mobile device via Android Pay / Apple Pay / Samsung Pay and pay in regular stores by phone. However, this requires the presence of an NFC chip in the phone. Most modern devices of the middle and upper price segment are equipped with this chip today.

Results of comparing virtual cards

The table shows that almost every card has its own characteristics, both positive and negative. Objectively, outspoken leaders and outsiders cannot be singled out here.

In my opinion, it is most convenient to use virtual cards of Sberbank, Yandex and AdvCash.

The Sberbank card is convenient because the number of Sberbank clients in Russia is very large. This means that most transfers / payments can be paid with either a minimum commission or no commission at all. Plus, the cost of servicing the card is not high, and the term is maximum.

Yandex map is good simple and no requirements for issue. It is also convenient that transfers to other Yandex.Money users can be made without commission. And in general, you can pay where cards are not accepted, but Yandex.Money is accepted. By the way, Yandex.Money is now very popular and more widespread than ever on the Internet.

The Advanced Cash card is useful in that it can be denominated in dollars. Of course, its advantages will be appreciated by those who receive income on the AdvCash wallet and those who would like to receive a virtual card with maximum anonymity.

Other v-cards are fine too, but in their own way. QIWI's Promsvyazbank card has many advantages. Which card is closer to you?

I would be grateful for your opinion, questions and comments about virtual cards.

I wish you all a profitable investment!

14.06.2017 27.07.2017

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Many consumers are used to shopping and paying online. One of the easiest payment methods is to purchase a virtual card of the selected bank. How to create a virtual card, and what problems you may encounter, we will find out right now!

Step-by-step guide: how to create a virtual Visa card

Creation of virtual Visa cards is possible in almost any bank in our country. The opening methods are identical. Let's take a look at a few examples:

Example # 1. Qiwi

By creating a prepaid Qiwi Visa Virtual, you are essentially creating a fixed amount card. That is, after using this amount of funds, you will have to create a new "virtual" account.

It is very easy to get a virtual Visa card! Payment details will be sent via SMS to your specified mobile phone number.

Example No. 2. Sberbank (you must have a debit card opened in the bank)

Example No. 3. WebMoney

Example No. 4. Yandex.Money

1. We go to the website of the Yandex.Money payment wallet.
2. In the "Bank Cards" section, select the "Yandex.Money Virtual Card" tab.
3. Enter the password for the wallet and link the card to the desired mobile phone number.
4. Confirm the application for issuing a virtual card by receiving an SMS code. Its details will be stored on the website in the personal account of your wallet and the function of ordering details via SMS will be available.

The peculiarities of this card are the absence of an opening fee, the validity period is within a calendar year, the commission for transfers is 3%, taking into account the payment of the obligatory 15 rubles.

What does the owner of a virtual card get - product features

The popularity of the issuance of virtual cards by Russian banks is due to the growth in the volume of online purchases: with the help of "virtual plastic", it is possible to pay for goods securely on the Internet anywhere in the world. But payment at regular stores and cash withdrawals are not possible. The banking market is divided by such types of payment systems as Visa Virtual and MasterCard Virtual.

At present, work is underway to create and put into circulation cards with the MIR payment system; perhaps, in the future, virtual cards of the MIR system will also appear. The preference of the majority of users is still given to the classic Visa Virtual.

The virtual means of payment has characteristic differences from its classic banking "fellow tribesmen":

• no physical medium (plastic), which means: no hologram, no magnetic stripe available, the owner's signature is optional;
• receiving a card is possible without a personal presence at the bank.

Advantages and disadvantages of using a virtual Visa card

Virtual cards have a number of advantages, such as:

• The ability to secure your primary debit / credit account against fraudulent hijacking. The buyer can reset the required amount for purchases via the Internet to his virtual account and easily pay for purchases through a card, the duration of which is from 2 months to 1 year. The details of your main bank card account remain safe, and hackers will not be able to get hold of it.
• Spending limit - you will be able to control your purchases and will be more economical in matters of spending.
• The card can be blocked at any time. This can be done either in the personal account of the payment platform, or by calling the hotline of the employees of the selected bank.
• Has no physical media.

The main disadvantage of virtual cards is the following:

• The bank may offer "prepaid" cards and often the funds are deposited in a lump sum and fixed. It is impossible to "report" funds. But there is always the opportunity to start a new one, since this function is not prohibited.
• Some cards have a maximum validity of 2 months, which is not always convenient for the consumer.

Important! If you plan to open a virtual Visa card to pay for online casino services, then make sure that the payment platform allows such payments.

Cashless payment technologies are developing at a breakneck speed, and we can no longer imagine our life without a plastic card, which greatly facilitates many manipulations with our hard-earned money in the bank. With it, we can do almost everything from shopping in a store to transferring funds to another country. In this article we will look at disembodied virtual cards and their pros and cons. And also how to create a virtual Visa card?

Why do I need a virtual Visa card?

What is a virtual Visa card?

As we all already know, a plastic card is a kind of tool that helps us to do various actions with our money on the personal bank account. This account itself is also linked to the card number. But a virtual card is by its nature the same card, only without plastic media and without certain security technologies - such as a chip and magnetic tape.

Typically, such cards are used to make purchases on the Internet in online stores, to pay for various goods and services through online services, as well as to transfer funds to other cards and accounts. Virtual Visa is the same virtual card only based on the popular, worldwide payment system Visa.

Virtual Visa Card does not have a physical medium, so you cannot withdraw money from an ATM or perform other actions from any bank terminal with it.

Virtual banking also has all the basic card details: card number, validity period, and a special security code. It is this information that many use for purchases in the boarding school.

Difference between virtual card Visa and MasterCard

These cards are practically the same and are quite a convenient way to shop online. However, there are several differences. The fact is that for the Visa payment system, the main currency of conversion is the dollar, and for MasterCard, the euro. That is why buying on foreign sites this or that card will be a plus, and the conversion will not be so expensive.

How to get a virtual card and how to get it?

Before making a virtual card, you must already have any Visa or Master Card. The fact is that many banks provide the opportunity to make a virtual card, but for this you must already have a bank account. Then you will be made a virtual card and linked to your account.

Many banks can also provide you with the opportunity to make such a card if you already have a deposit with the bank. Moreover, if you make it withdrawable, you can use the funds from the account.

So, you need to visit your bank branch with a passport. Then you write an application for the issue of a virtual card, which will be linked to your existing bank account. Also, many banks offer the opportunity to issue a virtual card through an online application or through a personal Internet banking account.

You can also apply for a virtual card through additional services such as Visa WebMoney or Visa QIWI. Without identification, however, this card cannot be used.

Sberbank virtual card is a banking product for payments on the Internet. It is issued as a supplement to the main debit card. When making settlements, almost any risks of fraud with funds stored on the main card account are minimized.

What is a Sberbank virtual card?

Sberbank invites all holders of debit plastic cards to issue an additional one, without a physical medium. Such a card is also a member of the Visa and Mastercard payment systems.

The details of the virtual card can be viewed in the Personal Account in the remote service system. There is a sixteen-digit number on it.

The CVC2 security code is sent by the system in an SMS notification when any operation is performed.

The creation of a bank card without a material carrier is a reliable tool for paying on the Internet, transferring certain amounts of funds from card to card.

Map features

Virtual cards are a secure means of payment. The features of this financial instrument include:

• All transactions that are performed using such a payment instrument online must be confirmed with one-time passwords, which the system sends to the mobile phone number specified when issuing the virtual card.
• When making payments, the number of the bank plastic card, as well as other information about it, is not indicated anywhere.
• Such a financial instrument cannot be lost.
• Sberbank's virtual card is a safe way to withdraw electronic money from popular wallets: WebMoney, Yandex-money, Qiwi and some others.

How to get a virtual means of payment from Sberbank?

To issue a virtual card at Sberbank, the following conditions must be met:

• Have a valid debit card with this financial institution.
• You should definitely register in the Sberbank Online remote service system.
• Subscribe to the SMS notification service.
• Conclude a universal banking service agreement with a bank branch.

• Visit a branch of Sberbank.
• Call customer support.
• Apply for a card in the Internet bank.

In the department

You can create a virtual means of payment in person by visiting the Sberbank office. Here you need to contact a bank employee with a passport of a citizen of the Russian Federation and a main card.

The manager will help you draw up an application, register your card in the Sberbank Online system.

The client will receive a virtual account. The next day, the card issuance fee will be debited from the main card account. The owner of an electronic means of payment independently chooses a tariff package for servicing this financial instrument that meets the client's requirements.

By phone

The holder of a debit card from Sberbank to issue a virtual card can call the contact center and order it from a customer support operator.

To do this, you will need to provide the employee with the required information to identify the client. The operator may request information about the number and validity period of the main payment instrument and the passport data of its owner.

In the Sberbank Online system

For active users of Internet resources, it is easier to get a virtual bank card in the remote service system.

This requires:

After the virtual means of payment is issued, the commission for the transaction will be debited from the card account.

Change of information

A person is not immune to mistakes. If, when applying for a virtual card, the client entered incorrect information in the online banking account management system, it is enough to go back a few steps and correct the information. And continue the registration of the virtual card.

If the holder of an electronic means of payment has a need to make changes to the information entered earlier, then you need to go to the main menu of the Sberbank Online system and change your personal data. The program will automatically change the information for all products.

Conditions

The main conditions for servicing a virtual card include the following points:

Card currency	Rubles
The number of cards that a client can open	1 Visa Virtual and 1 MasterCard Virtual
Validity	Up to three years
Annual maintenance cost	60 rubles
Limit on the amount of transactions per day	300,000 rubles
Additional tools	Not issued
Overdraft	The bank does not intend to set credit limits for this product
Participation in salary projects	Not provided

More detailed information on the tariffs for Sberbank's services is posted on its official website. The Bank has the right to change the conditions for servicing the card in connection with a change in the main directions of the Central Bank's policy or the deterioration of the economic situation in the country.

Replenishment

In order to use the card through a mobile application or to pay for online purchases, it should be periodically replenished. It can be done:

• In the Sberbank Online system.
• At ATMs or terminals of our own network.

Virtual card re-issue

Upon the expiration of the virtual means of payment from Sberbank, its re-issue occurs automatically. The client will receive a new card with:

• The sixteen-digit number from the previous one will be retained.
• In the Sberbank Online Personal Account, a new expiration date will appear in the field next to the card name.
• The secret code CVV2 or CVC2 will be sent in an SMS notification to the mobile phone number to which the financial instrument is linked. If such a password has not been received, the client is advised to call the bank's hotline.

If you have even the slightest suspicion of attempting to cheat with it, it is recommended that you take care of re-issuing this card yourself. To do this, call customer support.

Lock and close the virtual card

If you decide to block a virtual payment instrument from Sberbank, you just need to call the call center and inform about your desire. The contact center agent will perform the blocking operation. The client should remember that there are no “unblock” operations for virtual means of payment. To resume the work of this tool, you will need to issue the card again.

The client has the right to independently close the virtual card before its expiration date. To do this, you will have to do the following:

• Make a transfer from the virtual to the main card of the balance of funds.
• Make a call to customer support.
• Order to close the card.

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Conclusion

Sberbank of Russia offers its customers a convenient and reliable means of payment using Internet services. A virtual card is a highly secure financial instrument. This is the electronic version of a regular debit card. Payment by card for goods, works and services on the Internet is available for all citizens of Russia.

Many users who often make purchases over the Internet are interested in the possibility of opening a virtual card. This is a very convenient option for making purchases, which allows you to reduce the time for making payment transactions. One of the best solutions is an offer from Sberbank of Russia. When creating this map, specialists did everything to simplify operations for users.

The virtual Visa card, designed specifically for online payments, is very convenient. Authorization takes place quickly and without unnecessary delays. In addition, it has an increased level of protection. To make a purchase, you need not only to know its code, but also to enter one-time passwords received via SMS to the phone attached to the card. The main factor for using it is internet access. If there is one, then the virtual Visa card is available around the clock.

How to open a virtual account

You won't be able to get an exclusively virtual account. Initially, you need to become a client of the bank, conclude an agreement with him and order the issue of a debit card. Only after receiving it, the client has the opportunity to order an additional card intended for making payments in the virtual space.

You can step by step consider the procedure for opening such an account on the terms offered by Sberbank. A virtual Visa card will be received after the following operations:

1. First you need to go to the bank's website (its official version).
2. When ordering a physical debit card, you need to choose the most suitable and closest branch to you from the list offered on the website, where you can come at the agreed time and pick up your order.
3. If you are not guided by the addresses, on the site you can find out the location of the branch on the map. There you can find not only the selected address, but also find out where other branches are located.
4. After that, using the site menu, you need to place an order for the creation of a plastic card. Or it is worth contacting the department directly, where consultants will help you arrange all the necessary documents.
5. Having received a physical plastic card, you can order the issue of a carrier for payments on the Internet on the bank's website.

Types of bank debit cards

There are physical and virtual debit cards. The first ones are issued in the form of a plastic carrier with which you can make purchases in stores through terminals, use ATMs, and so on. The second option does not have a physical medium.

It takes a client ten to twelve business days to receive a physical card. To apply for a virtual Visa card, you must have a basic plastic one. It is to her that the additional account will be attached. Its release will take no more than a day from the moment the user creates the corresponding application.

After receiving the physical medium, before starting to create a virtual account, be sure to connect the card to two services of the bank. The card must be attached to the organization's mobile service, as well as registered and connected to Internet banking. This will allow you to use all the functionality of the account and expand the range of possibilities for using this product.

Registration in Internet banking

Having become the owner of a bank debit card, sooner or later, each client has a desire to learn and use all of its functionality. At the moment, the most widespread and demanded service is account management via the Internet. Almost every bank offers this service to its customers. In order for the virtual Visa card to be connected, it is enough to go to the main page of the organization's official website, find the necessary menu item and go through a quick online registration in the Internet banking system.

For greater security of the client's data and financial resources, it will be possible to access the personal account and complete the registration only with the help of one-time passwords, which are automatically sent by the system to the phone number attached to the card. It is imperative to fill in all the required details, otherwise you will not get access to the system.

Benefits of online banking

After registration is completed, the client has a personal account on the bank's website. With it, you can manage all your accounts online, from any medium that can support an Internet connection. In addition to managing financial resources, customers also have the opportunity to connect additional services, as well as close existing ones and open new ones, including virtual cards Visa and Mastercard.

Main characteristics

The main feature of a virtual card is that it fully retains all the functionality of a plastic card, but at the same time exists exclusively in the virtual space. Its physical counterpart is not subject to release.

After completing an application for the issuance of such a card, the client is assigned a special six-digit code corresponding to the account number. In addition, he receives additional CVV2 and CVC2 codes. The client receives the last two values ​​in the form of an SMS message. They can be requested separately for online purchases.

To expand the range of card services, you can also connect a mobile service. The service is needed to connect a mobile number and a bank card number. A one-time password is sent to the client's phone to confirm registration.

How to connect a card

When mobile and Internet services are connected, and the client has received a debit card and signed an agreement with the bank, they begin to issue a virtual account. Further, to create a virtual Visa card, you need to use Internet banking. If we are talking about Sberbank, then here you should find the "Debit cards" tab and, guided by the explanations in the menu, follow the links until the screen displays a list of virtual cards that can be issued. Next to them there will be a description of the terms of their use and all the information that is needed to connect them.

How to open an invoice

You can issue such a card in two ways: in your personal account on the bank's website or by visiting a branch. Through the Internet, you just need to go to the menu item: "Tariffs and registration" and choose from the list the product that suits you the most. If you have any questions, you can call the bank's hotline and get advice from a specialist. Basically, a virtual bank card Visa has a lifespan of up to three years. It is very convenient that you do not need to additionally contact the bank to extend it, this process occurs automatically.

Protection and safety

At the moment, banks are trying to maximize the protection of their products. Each card is protected by the function of confirmation of the operation using SMS passwords. If desired, the client can order additional security checks, including authorization by fingerprint or personal identifier. With its help, you can safely transfer money from electronic wallets of other financial systems. You can also replenish it through a terminal or ATM. If the virtual Visa card is closed at the request of the client, then all funds will automatically be transferred from it to the debit card to which it is linked.