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A smart and safe way to pay.

Get more control with a virtual debit card

Available to existing holders of eligible current accounts who are registered for mobile banking and biometrics. Maximum 2 active virtual debit cards per account.

What is a virtual debit card?

  • A virtual debit card is a way to pay that only exists in your phone.
  • They link to your chosen current account, just like your physical card, but have their own unique details and look different in your digital wallet.
  • Easily create and manage virtual debit cards in your mobile app.

How does a virtual debit card work?

Shop online or over the phone using ‘See details’ in your mobile app. You can even pay in person by adding your virtual debit card to your digital wallet. 

Why use a virtual debit card?

Get more control and security

If you see a payment you don’t recognise, cancel and create a new virtual debit card straight away. You can keep using your physical card as normal.

Organise your spending

Budget better by giving your virtual debit cards a purpose like paying bills or travel and separate your spending across multiple debit cards.

Personalise your cards

Create your own card label or choose from a list of our suggestions like eating out and groceries. Change this anytime in your app.

Start using virtual debit cards today

Create a virtual debit card easily in your app

Open your app and go to ‘Manage cards & Apple/Google Wallet’ then ‘Virtual cards.’

Personalise your virtual debit card

Pick your own unique label or choose from our list.

Spend online, in person or over the phone

Split payments over multiple cards and cancel cards anytime in-app if you don’t recognise a payment.

Frequently asked questions