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. No obligations.

Manage team spending with virtual cards

Give your teams autonomy all while staying in control of your expenses by ordering virtual cards instantly. You can even change the card limits in real-time. Virtual Qonto cards can be used online or in-store with Apple Pay and Google Pay.

Manage your expenses with ease




Make secure payments with virtual cards

Reduce the risk of fraud

You can access your virtual cards directly from your Qonto account or digital wallet, which limits the risk of loss or theft. If you suspect fraud or improper use of a card, block (and unblock) it straight from the app.

Enjoy 3D-Secure technology

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

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Stay in control of your cards’ spending limits

Customizable cards

Manage permissions and change withdrawal or spend limits directly from your account. You can even set monthly or daily limits, or determine which days the card can be used. For one-off purchases, issue a dedicated Flash card. Lost card? No problem. Block and unblock cards instantly.

Flexibility without compromise

Since Qonto virtual cards aren’t prepaid cards, your money isn’t tied down. The spend limit of each card is what you decide to make it and your account is only debited once a purchase is actually made.

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Flash cards for one-off expenses

An employee needs to buy office supplies or is going on a business trip? Empower them by allocating a specific budget with a Flash card. Employees feel autonomous while you stay in control.

Physical or virtual cards to suit all needs

Card type


Payment limit

Cash withdrawal limit

Number of free cash withdrawals

Foreign exchange commission

Compatible with Apple Pay/Google Pay

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?