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Virtual cards
For safer online purchases.
These are virtual cards that you generate from your Bankinter credit or debit card. They give you greater security in your online purchases and better control of your spending.
- The conditions for these virtual cards are the same as for your Bankinter card: authorised balance, payment method, etc.
- They are free so you won't pay anything.
- There are two models, and you can choose both.
1. Single-use card: the highest security for your online spending.
I'm buying something, so I'll create a card.
The balance you load onto the card is the cost of the purchase.
It can only be used during a few minutes.
2. Frequent-use card: better control of your online subscriptions.
A card to use in businesses with recurring payments.
A set monthly amount for as many transactions as you want.
You can change the limit whenever you want.
How? On our website or app:
- If you do it from the app, create your virtual cards in either the “Home” menu or the “Cards”menu.
- If you are on the website, you can create them in the Cards section, either under your global position or the card details.
- Answer all your questions: movements, cards used, active cards, associated card, etc.
- With frequent-use cards, you can increase your limit, turn the card on and off, and, if necessary, block it.
See Is the virtual card linked to a physical card? Is the virtual card linked to a physical card?
Yes, the virtual card has to be linked to a credit or debit card that you own, and it has the same conditions as that card. If the card to which you want to link the virtual card isn't active, you won't be able to register it. Virtual cards have a unique number and security code.
See Can I make payments with my virtual card if the linked physical card is turned off? Can I make payments with my virtual card if the linked physical card is turned off?
No, if the main card is turned off, you won't able to make payments with the virtual card. You can register new virtual cards and use them once the main card is turned on.
See What type of signature do I use to authorise the registration of a virtual card? What type of signature do I use to authorise the registration of a virtual card?
For single-use cards:
- If the amount is less than €30, we will send a code to your mobile phone (accumulated maximum: 100€).
- If the amount is equal to or greater than €30, we will send a code to your mobile phone and will also ask you for a coordinate.
For frequent-use cards:
We will send a code to your mobile phone and will ask you for a coordinate.
See Can I register as many virtual cards as I want? Can I register as many virtual cards as I want?
No, you can only register five single-use cards and five frequent-use cards per day and per linked card. You also need to bear in mind the following limits depending on the type of main card:
See How do I authorise purchases at online stores? How do I authorise purchases at online stores?
The authorisation process for online purchases is the same as for your current cards. Specifically, it will be one of the following:
- You will receive an SMS and will have to confirm the transaction with the card PIN.
- You will receive a PUSH notification and, after opening the Bankinter mobile app, you will have to accept the transaction either biometrically or by entering your username and password.
See What happens if I return the product I purchased? What happens if I return the product I purchased?
This works the same way as with your other cards. The amount returned is credited to the main card to which you linked your virtual card.
See Can I set up direct debits on these virtual cards? Can I set up direct debits on these virtual cards?
Yes, you can use this type of card for direct debits and subscriptions.
See Can I link a virtual card to Samsung Pay, Google Pay or Apple Pay? Can I link a virtual card to Samsung Pay, Google Pay or Apple Pay?
No, not at the moment, but we hope that this option will be available very soon.