Virtual Cards
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 reducing the risk of fraud on Virtual Credit Card. Only you can access it and verify transactions on your Banking App
Get rewarded
Earn UCount Rewards Points on all your qualifying purchases* with your Virtual Credit Card
On your terms
There are no additional costs to having a Virtual Credit Card and there’s no need to top-up your card
Virtual Credit Card
- Ideal if you value security and want to earn benefits while using your Virtual credit card
- The CVV is dynamic, meaning it changes after each use. This reduces the risk of fraud
- You can earn UCount Rewards Points with every qualifying purchase* since it’s linked to your qualifying* credit card
- 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
* UCount Rewards terms, conditions and qualifying criteria apply
Prepaid 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
- Transactions are not eligible for UCount Rewards Points
How it works
How to create a Virtual Credit 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 Virtual Credit 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
- Topping up your Prepaid 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.
One Store Virtual Cards
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.
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Virtual Credit Card
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Prepaid Virtual Card
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How it works
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What it costs
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One Store Virtual Cards
- Ideal if you value security and want to earn benefits while using your Virtual credit card
- The CVV is dynamic, meaning it changes after each use. This reduces the risk of fraud
- You can earn UCount Rewards Points with every qualifying purchase* since it’s linked to your qualifying* credit card
- 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
* UCount Rewards terms, conditions and qualifying criteria apply
- 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
- Transactions are not eligible for UCount Rewards Points
How to create a Virtual Credit 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 Virtual Credit 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
- Topping up your Prepaid 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.
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.