How to Get a Free Virtual Credit Card Without Bank Account

This guide is a summary of the best virtual credit card providers that issue a virtual card without a bank account for purchases and subscriptions.
free virtual credit card without bank account

Have you been looking for how to get a free virtual card without any bank account. These cards are also called virtual prepaid credit cards, virtual Visa cards or virtual Mastercard debit cards. 

Virtual credit cards works the identically as a real or physical card and they both have similarities but the main difference that lies between them is, the virtual credit card can be accessed only online. You could use a virtual card to make online purchases and pay for services. Most cards require you to deposit cash on them before you may use these virtual cards for payments.

This also prevents you from getting into debt and reduces the risk of becoming a fraud-victim. This guide is a summary of the best virtual credit card providers that issue a virtual card without a bank account.

We will equally discuss on how to get virtual credit cards without verification by using virtual credit card generator and you can later on use these virtual cards for free trials, online purchases and equally for PayPal verification.

What is a Virtual Credit Card?

A virtual debit or credit card is a digital alternative to a physical bank card. Also known as electronic cards, they are stored in a digital wallet via a mobile bank app.

How to Get a Free Virtual Card Without a Bank Account

You can get an instant virtual card for free without a bank account thanks to providers such as Neteller, Ezzocard and Skrill. These suppliers also offer virtual credit card without verification if you’re using the card for small amounts.

Curve is a another great option. You get virtual cards for free, but in order to start using Curve you first need to verify your identify (which requires a small fee) and link another credit card to your Curve account.

As a US resident, you can generate a PayPal virtual card. Other providers that are only available in the USA include ecoPayz.

However, we will discuss better below of the Best Virtual Card Without Bank Account Providers.

A virtual card works the same way as a physical card only that it is created online. It usually comes without extra costs other than topping up. Virtual cards tend to be more secure compared to physical cards since merchants cannot access your information. Since you do not need to link your virtual card to your bank account, it is more secure. Most providers also offer you the option to freeze the card when not using, making sure only payments you’ve unauthorized are deducted.

Use Virtual Card Generator

One of the best ways to get a virtual card without a bank account is using a virtual credit card generator. Since a virtual card is like a dummy physical card, you can generate as much virtual cards as you want online. This means that with a virtual card generator, you can obtain a free virtual credit card without bank account. You do not need to have a bank account to get one but you will need to provide a name that you can use on your card but this isn't the case for all.

For example, this virtual credit card generator will require you to provide your name to be attached on your virtual card but this other virtual card generator wouldn't ask that. When making online payments using a virtual card, you will not need to enter the personal details you used when creating the card. For this, you can use virtual credit card generator app or virtual credit card generator website.

Click here to get the best virtual card generator of the present date.

Fake credit card generators, do they work? Generally can not use fake credit card to make purchases. They are only for testing and verification purposes. However, some virtual card generator such as Justuseapp will provide you a virtual credit card that you can use for free trials. You can also use them to cancel free trials so your real credit card won't be charged. The credit card numbers do not come with a valid card holder’s name, expiration date, and CVV numbers.

Best Virtual Card Without Bank Account Providers

You can use the following virtual card providers to get free virtual cards without a bank account.

PayPal Virtual Card

One of the easiest ways to get a free virtual card without a bank account is with a PayPal virtual Mastercard also known as PayPal Key. However this PayPal Key virtual card is available only for residents of the US and can be claimed by everyone having a verified US PayPal account. If you have a PayPal account there, then, you can easily setup your PayPal key and get a free virtual card. Consider that to use PayPal services fully, you need to get a virtual credit card for PayPal verification. One of the benefits of using PayPal virtual card is that you can set a spending limit to avoid overspending. It can help you especially when you are paying suspicious merchants who may overcharge you.

PayPal credit card generator!
You can use PayPal credit card generator to generate random credit card information for testing. You can create virtual credit card for Visa, Mastercard, American Express, Discover, Maestro, or JCB. You may also use test credit card numbers that are issued within the PayPal Sandbox account.

Payoneer Virtual Card

You can also use Payoneer to get a free virtual card without a bank account. Payoneer is a fintech company that offers money transfer and banking solutions to customers globally. You need to have a Payoneer account to enjoy the service. You can then link it to your Payoneer account with PayPal and use it as a virtual bank account for PayPal verification. With a Payoneer account, you can get a free Payoneer virtual card. However, using the virtual card to make payments comes with a fee. As such, before getting a virtual card, make sure to consider the transaction fees.

Skrill Virtual Card

Skrill is an online wallet that you can use for money transfer and online purchases using the money in your Skrill account. You can set the period at which you want the virtual card to remain active, which makes it more secure as compared to the physical card.

Skrill virtual prepaid card uses funds in your Skrill wallet, meaning you won’t need a credit check to get your Skrill virtual Mastercard.

Read more on Skrill here and how you can get a Skrill virtual Mastercard.

Ezzocard Virtual Card

Ezzocard is a virtual card you which you can use to shop anywhere across the globe. Ezzocard virtual card is available for both MasterCard and Visa. The cards are delivered instantly after registering on The minimum fee you can pay for Ezzocard is $12.99.

Netspend Virtual Card

Netspend offers free prepaid virtual card. However, you will be charged a small fee on transactions using Netspend digital card. You can link your virtual card with your Visa or MasterCard prepaid card. The only disadvantage of the Netspend is a US virtual card. However, if you are in dire need of one, you can use VPN or proxy servers to get a virtual card while outside of the U.S.

Many people have been of guess if Netspend is a debit card, credit card or prepaid card. Let's give a brief answer to that.

Is Netspend a debit card? Yes, Netspend is a prepaid debit card. Western Union and Netspend have partnered to offer a prepaid debit Mastercard.

Neteller Virtual Card

Neteller offers free virtual cards that you can use to perform online payments. It is a great match for those using PayPal and they will not need to link it to a credit card or a bank account. You can sign up for a virtual card at the Neteller website and enter your details then uploading your ID documents. You will then verify your account to start using the virtual card. You can contact customer care for assistance in case you have difficulties. Learn all the details on how to get Neteller virtual card.

Is there a Neteller virtual credit card? Neteller prepaid card works just like a credit card. The only different is that Neteller virtual Mastercard is linked to the balance in your Neteller Account.

Walmart MoneyCard

Walmart is a famous online shopping mall. They issue Walmart MoneyCard, which comes with an option for virtual cards which you can use for your online shopping. However, they issue virtual cards to U.S customers only. It is easy to register and start using the service immediately.


ecoVirtualcard is a prepaid virtual card. It is an ecoPayz virtual card. The card, available in 8 currencies, helps you to easily and effortlessly perform safe online payments. You can make payments online or over the phone without disclosing your personal information to merchants. To use this virtual card, you need to have Silver level eco account. It has 2 step verification processes that make it more secure. It is available only in the U.S.

American Express Virtual Card

You can use American Express to generate AMEX virtual cards for free. They have been offering the service for years. You can start using the virtual card for shopping and buying web hosting services. This is a great choice for Web developers, freelancers, contractors and designers to easily make their secure payments for their preferred services online. You can keep control of your spending and track all your transactions with this virtual card provider.

Final Thoughts on Free Virtual Credit Card without Bank Account and Free Virtual Debit Card Without Bank Account

A virtual card is a convenient way to make online payments. It is a safe and secure way to pay merchants without disclosing your personal information like your bank account details. We have discussed on the best virtual credit card generators and how to get a free virtual card without verification by using these free virtual card generator. We have also talked on the best virtual credit card providers without bank account. These virtual cards are issued from the US and can be used as a US virtual credit card that comes with its billing address. You can use the above services to generate a virtual card for free. It isn't an obligation to have a bank account to generate a virtual credit card.

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About the Author

Tebid Kelly is a Graphic Designer, Web Developer, Ethical Hacker, Programmer, and Content Creator who showcases his skills and experience on his blogs. He also has much love for finance apps such as Cash App, Venmo, PayPal, Zelle, etc on which he ha…

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