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 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

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

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

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?