Virtual Credit Card Netherlands 2026: Instant & Secure Online Payments

What is a virtual credit card?

A virtual credit card is the digital equivalent of a physical payment card. Instead of plastic you receive only the digital card details: a card number (16 digits), a CVV security code and an expiry date. There is no plastic card — everything lives in your app.

The major advantage: a virtual credit card is available immediately after you apply. With neobanks such as Revolut, N26, Bunq and Wise the card is accessible in the app within minutes, without waiting for a physical card by post. You can add it straight away to Apple Pay or Google Pay to pay in shops, apps and websites.

Virtual credit cards work identically to physical cards for all online payments. They are accepted at every webshop that takes Mastercard or Visa — from Amazon and Bol.com to international subscription services and travel platforms. For payments where you need to physically present the card, a physical card is of course still required.

Best virtual credit cards in the Netherlands 2026

The best virtual credit cards are all available free of charge via neobank apps. Here are the five best options:

Benefits of a virtual credit card

Why are more and more people in the Netherlands choosing a virtual credit card? The advantages are clear:

The biggest advantage is security: even if your virtual card details are stolen in a webshop data breach, the damage is minimal and the remedy is instant. Block the card in the app, generate a new one — done in seconds.

Virtual credit card for single use

The most advanced form of virtual credit card is the disposable card (also called a single-use virtual card or one-time card number). This is a virtual card with a unique card number that becomes invalid automatically after one transaction — even if someone intercepts the details, they are instantly worthless.

In the Netherlands, the best options for disposable cards are:

• Revolut Premium (€9.99/month) — Unlimited disposable virtual cards, each with its own card number

• Getsby (free) — Dutch service for free disposable Mastercard cards with no subscription

• Privacy.com equivalent — Still limited availability in the Netherlands, but growing

Disposable cards are ideal for: free trial periods where you might forget to cancel, purchases at unfamiliar webshops, international platforms with unclear privacy policies, and subscriptions you want to stop after a single payment.

Frequently asked questions about virtual credit cards

See also