How To Transfer Money With Only Card Number and CVV? [Explained]

You can transfer money with only card number and CVV code, but here's what you should know.
Tebid Kelly
how to transfer money with only card number and cvv

Card number and CVV are two key factors in every card that is generally required for most financial transactions with the card. However, most cardholders are wondering how to transfer money with only card number and CVV.

There are some little things you should understand about just using these card details for transactions. We'll explain thing further later on in this article.

Bank cards have been one of the best way for individuals, businesses, and corporations to get paid for years now.

You typically need the OTP code sent to the cardholder to verify or authorize the transaction when transferring money using a bank card (either a credit card or a debit card). This is in addition to the card number and CVV.

Bank cards are issued by financial institutions and can be used to settle payments online. A good example is buying products and services from online vendors who accept credit and debit cards as payment methods.

Therefore, you won't be able to complete any online payments without the card's CVV number. In such situations , you must enter all card information to complete your transactions. However, there are still ways to bypass CVV code to complete online payments.

Let's get to the point of this article's main argument without further ado. But first, let me quickly address the frequently asked question about transferring money with only the card number and CVV.

Table of Contents

Can I Transfer Money With Only Card Number and CVV Code?

The most responsible answer to this question is NO! Due to the fact that you will require OTP code verification to confirm your transactions.

The response is also YES, though! You may be able to transfer money with only card number and CVV in some cases.

Regional and national restrictions equally influence whether you can transfer money with only card number and CVV.

Also Read: How to Send Money Online With No Verification

Why Can't I Transfer Money With Only Card Number and CVV?

According to bank terms and policies, two-factor authentication is needed to complete each transaction made with the card.

When payment is about to be made using a debit card or credit card, almost all online stores, POS systems, and banks require a card number, CVV, and expiration date.

Account holders must enter the one-time password (OTP) they receive via SMS in order to complete the transfer.

That suggests that before the transaction can be completed, you will need to provide all the card information, including the OTP that was sent to you.

You may occasionally be asked to prove your identity by providing details like your full name, billing address, national ID, passport, driving license, etc.

In this fraudulent generation, banks have greatly improved their systems. They check this information and determine who owns the account.

Also Read: How To Transfer Money Using Routing Number and Account Number

And Why Yes!

Country restrictions are significant when transferring money in most countries.

For instance, while US residents may transfer money with only card number and CVV, Indians cannot.

Therefore, money transfers are forbidden in the absence of the account holder's personal information and card-essential details.

However, if you have the card number and CVV, some countries, like the United States (US), don't require OTP for international transfers. If this is the case in your country, however, read on to learn how to get around it.

A company, organization, business, or online store based in the United States will not need an OTP if it is not in India.

Therefore, money transfers using cards will be simple if they have both CVV and card numbers, even without the CVV code.

What is Card Number and CVV Number?

A card number are series of number that can be found on back or front of a payment card. The numbers may contain 15, 16, 19, or even only 13 digits. Every number, however, has a universal significance and is used to identify account holders and card issuers.

The card security code known as a CVV number, or card verification value, is written or embossed on a card in addition to the card number. The CVV has three (3) or four (4) digits, depending on the card.

How CVV Works?

As I mentioned earlier, CVV is a Card Security Code (CSC). The CVV number is usually required for online transactions as it informs merchants that the perform using the card is the owner of the card.

Banks and other financial institutions automatically generate and provide cardholders with the CVV number. You shouldn't give anyone else access to this number.

How to Transfer Money With Only Card Number and CVV?

Before we proceed, know that bypassing instructions set on payment cards for completing transactions is an illegal activity, and you following any bypass methods might get you in trouble.

The exploitation of personal information and methods for money laundering are also included in the activities.

To bypass OTP verification in the legal way, you should consider turning off the two-factor authentication set for your payment card. While some financial institutions might let you do this, other secured financial institutions or card providers might not.

OTP adds another level of security to your card. A few necessary card details such as OTP must be used in order to authorize any online transaction using a payment card.

However, Netspend, for instance, allows you to send money online to other Netspend users without using any card information or OTP. You must enter the recipient's name before the FlashPay ID in order to send money.

The Green Dot prepaid card is another payment platform that enables users to transfer money to recipients without using their card number, CVV, expiration date, or OTP code, in addition to the platform that allows users to do so.

Go to the Send Money section and enter the recipient's name, email address, or mobile phone number to send money to other users.

Final Thoughts

Though the card number and CVV are two key details for using every payment card, they however, are not the only information required to transfer money with the card.

If your card issuer lets you turn off 2FA, you can do this by accessing your card account online.

You can, however, use the card online with only the card number and CVV on a merchant that does not require OTP.

Bypassing the instruction set by your financial institution to transfer money is an illegal activity. Do not engage in such in order to stay away from fraudulent activities that might get you in trouble.

Frequently Asked Questions

Can you send money with just the card number?

No, you cannot not send money with just card number. You'll need more details like the card expiry date and CVV number to send money.

How do I transfer money from CVV?

The CVV is a number required by merchants and card issuers to verify that you are the owner of the card. You can use the CVV number together with the card number and expiry date to transfer money.

Do you need the CVV to transfer money?

Yes, you do need the CVV to transfer money.

About the Author

Tebid Kelly
I'm Tebid Kelly, A Content Creator, Video Producer Financial Consultant and Certified Google Publisher. I write contents for, which are my two blogs.

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