Virtual Cards
Want to shop safely online without using your credit or debit card details? Our Virtual Card solutions are secure digital bank cards that you can create to make in-store payments and purchases online.
*Network costs apply only to downloading the app
Some of the Benefits
Seamless convenience
Start transacting immediately and seamlessly from your accounts – no need to wait for a card to arrive
Enhanced security
Dynamic CVV that changes regularly reduces the risk of fraud. Only you can access it and verify transactions on our Banking App
Get rewarded
Earn Rewards Points with your Virtual Credit and/or Debit Card and redeem it for travel, groceries, petrol and more
On your terms
There are no additional costs to having a Virtual Credit or Debit Card and there’s no need to pre-fund your card
Credit and Debit Virtual Cards
- Ideal if you value security and want to earn benefits with every purchase
- The CVV is dynamic, meaning it changes after each use. This reduces the risk of fraud
- You can earn UCount Rewards Points with every eligible purchase since it’s linked to your Credit and/or Cheque Account
- There’s no need to pre-fund the card, allowing you real-time access to funds
- Can be used online and in-store since it can be integrated with Apple Pay, Google Pay, etc
Pre-paid Virtual Card
- Ideal if you’re looking for a simple, controlled payment method for online purchases
- Prevents spending beyond the available balance that you’ve pre-loaded
- It’s free to create and use on the Banking App
- It can be pre-funded from your Current Account, Savings Account or Credit Card
- The CVV remains the same, but you get enhanced safety with a 3D Secure Code
How it works
How to create a Credit or Debit Virtual Card:
- Sign into your Banking App
- Tap on Manage at the bottom of your screen
- Select Cards and tap on the Virtual Cards icon
- Tap on Create Virtual Card on the screen
- Select a Virtual Card you would like to add. The available options are based on your existing eligible accounts
- Follow the easy steps to finalise your new Credit or Debit Virtual Card
How to create a prepaid Virtual Card:
- Sign into your Banking App
- Tap on Manage at the bottom of your screen
- Select Cards and tap on the Virtual Cards icon
- Tap on Add Card at the top of the screen
- Follow the easy steps to finalise and top-up your new prepaid card
What it costs
- Creating your Virtual Card: Free
- Top-up or withdraw from your Virtual Card: Free
- Shop with your Virtual Card: Free*
*Purchases from international merchants will be subject to an international transaction fee, which will be charged at 2.75% of the purchase amount.
Partners
You can create a co-branded Virtual Card with one of our partners:
Takealot
Shop for anything and everything at South Africa’s largest online store.
Travelstart
Securely book your domestic and international flights at Africa’s leading online travel agency.
Admyt
Easily pay for your ticketless parking without any hassle.
Uber
Request a trip without having to worry about the safety of your card details.
You can also create a generic Virtual Card to pay for any local and international online purchases.
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Credit and Debit Virtual Cards
-
Pre-paid Virtual Card
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How it works
-
What it costs
-
Partners
- Ideal if you value security and want to earn benefits with every purchase
- The CVV is dynamic, meaning it changes after each use. This reduces the risk of fraud
- You can earn UCount Rewards Points with every eligible purchase since it’s linked to your Credit and/or Cheque Account
- There’s no need to pre-fund the card, allowing you real-time access to funds
- Can be used online and in-store since it can be integrated with Apple Pay, Google Pay, etc
- Ideal if you’re looking for a simple, controlled payment method for online purchases
- Prevents spending beyond the available balance that you’ve pre-loaded
- It’s free to create and use on the Banking App
- It can be pre-funded from your Current Account, Savings Account or Credit Card
- The CVV remains the same, but you get enhanced safety with a 3D Secure Code
How to create a Credit or Debit Virtual Card:
- Sign into your Banking App
- Tap on Manage at the bottom of your screen
- Select Cards and tap on the Virtual Cards icon
- Tap on Create Virtual Card on the screen
- Select a Virtual Card you would like to add. The available options are based on your existing eligible accounts
- Follow the easy steps to finalise your new Credit or Debit Virtual Card
How to create a prepaid Virtual Card:
- Sign into your Banking App
- Tap on Manage at the bottom of your screen
- Select Cards and tap on the Virtual Cards icon
- Tap on Add Card at the top of the screen
- Follow the easy steps to finalise and top-up your new prepaid card
- Creating your Virtual Card: Free
- Top-up or withdraw from your Virtual Card: Free
- Shop with your Virtual Card: Free*
*Purchases from international merchants will be subject to an international transaction fee, which will be charged at 2.75% of the purchase amount.
You can create a co-branded Virtual Card with one of our partners:
Takealot
Shop for anything and everything at South Africa’s largest online store.
Travelstart
Securely book your domestic and international flights at Africa’s leading online travel agency.
Admyt
Easily pay for your ticketless parking without any hassle.
Uber
Request a trip without having to worry about the safety of your card details.
You can also create a generic Virtual Card to pay for any local and international online purchases.
We also offer
SnapScan App
No need to carry cash, wait for the card machine or enter your card details with every online purchase. With SnapScan, you can use your smartphone to make payments, send money to friends and earn UCount Rewards Points. SnapScan is compatible with most bank cards, as well as the Standard Bank Virtual Card.
Tap to Pay
You can use your credit or debit card to pay by tapping any card device with a contactless symbol*. Every purchase is secure, protecting your data and your account. And don’t worry if you tap twice by accident – you can only be billed once.