Virtual cards: a seamless way to manage your business expenses

  1. Experience a different way to pay.
  2. Make purchases quickly and securely.
  3. Business payment cards that suit your day-to-day needs.
Try it for 30 days. For free.
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Manage your team expenses with virtual cards

Virtual payment cards give your employees more autonomy over their expenses while keeping you in full control of company spend. You can manage each card’s payment limit in real time. Qonto’s virtual cards can be used online and in stores with Apple Pay and Google Pay

Manage your expenses with ease

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Change your virtual card settings in real-time according to your needs.
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Virtual cards carry the same protections as physical cards.
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Pay online or in-store with Apple Pay and Google Pay.

Secure payments with virtual cards

A card to boost your campaigns

  1. High payment limits to ensure your campaigns never get blocked
  2. Unlimited cards to manage your campaigns with full flexibility
  3. Designed to work exclusively with top ad platforms - delegate with complete control
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Instant Cards for one-off expenses

Have an employee who needs to buy office supplies or take a business trip? Create a temporary Instant Card with a fixed budget. Your team enjoys more autonomy and you keep control over your expenses.

Physical or virtual cards to suit all needs

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Virtual card
Cards InstantCard
Instant card
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Online Advertising Card


Included in all plans

Subject to a fee for the Basic Plan

Included in the Business and Enterprise Plans


from Smart subscription upwards

Payment limit


per month


in total per card


or more upon eligibility and approval, renewable monthly

Exchange rate fees for payments outside the euro zone




Monthly payment limit


Daily limit


Specific days of use

Determine the days on which your employees can pay with the virtual cards



Limited usage period

Determine the usage time for your Instant card, which can range from one day to one year.



How to create a virtual card


Customize your card


Validate your card


Your card is ready

Virtual card FAQs

What is a virtual payment card?

Which banks offer virtual cards?

How do you use a virtual card?

How do you issue a virtual card?

What are the advantages of using a virtual Mastercard?

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