Virtual cards: a seamless way to manage your business expenses

Experience a different way to pay.

Make purchases quickly and securely.

Business payment cards that suit your day-to-day needs.

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Try it for 30 days. For free.

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




Secure payments with virtual cards

Reduce the risk of fraud

Virtual cards are only accessible via your Qonto account or digital wallet, so you limit the risk of loss and theft.

Enjoy 3D-Secure technology

Approve your online purchases from your phone in just a few taps. Expenses? Handled.

Customizable cards

Set payment & withdrawal limits, create instant cards and block/unblock cards. All in a few taps from the Qonto app.

Flexibility without compromise

Qonto’s virtual cards are not prepaid cards, so you’re only debited once you've made your purchase.

A card to boost your campaigns

High payment limits to ensure your campaigns never get blocked

Unlimited cards to manage your campaigns with full flexibility

Designed to work exclusively with top ad platforms - delegate with complete control

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


Virtual card


Instant card


Online Advertising Card


Payment limit

Exchange rate fees for payments outside the euro zone

Monthly payment limit

Daily limit

Specific days of use

Limited usage period

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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