What is the best service to use for a virtual debit card for purchasing online?
I have seen people talk about revolt, is this the best option.
Virtual Debit Card
brd56 on 09/10/2021 - 23:21
Comments
Up doesn’t provide full virtual debit cards.
I have an Up account and have never seen this feature, how did you do it?
This user is probably referring to the virtual card you get with their 2Up joint accounts feature. As already said above probably not what the OP is looking for.
Revolut. Generate them at will.
That is the way I'm leaning since I haven't found any other viable options.
So is Revoult an actual bank account or is it more similar to something like PayPal where you would just top up your account from your bank account? Their website doesn't really give much information
Yes you have to top up, you cannot get your salary paid directly on to it. But you can link your bank debit card and top up from there, it’s quick and no fees.
They actually do provide BSB and account number so not quite sure why it would not be possible to get salary paid directly.
That is the way I'm leaning since I haven't found any other viable options.
Yeah they're pretty much the only ones left offering such a service to consumers here in Australia. See here for more
So is Revoult an actual bank account or is it more similar to something like PayPal where you would just top up your account from your bank account? Their website doesn't really give much information
There are financial services product not a bank and yes the best way to use it would be to top it up and not store large amounts of money in their accounts.
Revolut's virtual cards in Australia seem coded as prepaid cards and some merchants, i.e. Uber Eats, don't accept them.
Well the card number probably reveals exactly where it come from….
https://en.wikipedia.org/wiki/Payment_card_number part of the reserve numbers can indicate things such as Visa Electron/Debit or Maestro for Mastercard…… So it can probably be filtered to exclude potential virtual cards……
Zip pay used to generate single use card number, only it is not really a debit card.
Wise (formerly TransferWise) has digital debit cards. I think you have to buy a physical card first for 10 bucks, then you can generate digital cards as required.
The downside I found for Revolut is that if you pay USD on weekend, it charges 1% for fees
That's sneaky.
Why? What about public holidays?
OP based on what you've said you're looking for Revolut it's pretty much the only one left offering a product that's probably going to suit you the best in the Australian market for consumers. Remember they considered a financial service and not a bank.
The next closest option is probably Wise followed by several of the pay now later services that offer one time use virtual cards.
I have an Afterpay account.
How does their service compare to Revolut? Can the car be used at any retailer or is it only retailers supported by afterpay?
I have an Afterpay account.
I don't.
How does their service compare to Revolut?
Revolut's service reputation online is pretty much atrocious however in the whole time I've used the product since it's been available in Australia I've not contacted support.
But I'm also not doing anything major with the account other than loading money and when necessary and spending immediately. I also minimise risk by only stalling a minimum amount there $25.
Can the car be used at any retailer or is it only retailers supported by afterpay?
Their cards can be used at any retailer provided they accept prepaid cards and don't have those locked out. They also display card numbers to you in the app support digital wallets across multiple platforms and depending on what the offer is it the time may give you a free physical card.
Why would someone use a virtual debit card over a standard one?
For when you want to only want to one time transaction of a subscription without the stress of remembering to cancel the recurring payments.
Okay. That makes sense.
Also preventIon of fraud. Can’t illegally take money from an account that no longer exists.
i use Up. it's good.