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What is the difference between physical and virtual cards?

You can choose between two types of MasterCard payment cards:

1) Physical cards

Physical cards can be used for all kinds of payments, in-store or online. To initiate the order of a physical card, go to the Cards section on the left of your Qonto interface. To confirm the order, the cardholders are invited to set up their personal PIN code. This action will confirm the card ordering and the shipment to the cardholder’s personal address. Once received, physical cards have to be activated online and by withdrawing cash from an ATM before you can proceed with payments and cash withdrawals.

☝️ Good to know: If you don't want to withdraw cash, you just have to enter your PIN code without validating the withdrawal. Your card will still be activated! Find out more about card activation process right here.

Card permissions can be managed anytime by your account admin.

2) Virtual cards

Virtual cards can be used for online payments only and depend on the spending limitations defined by the account admin (with a maximum of €20.000/ 30 days). They have the same expiration dates as physical cards. Users can initiate the creation of a virtual card online by going to the Cards section of their application. In contrary to physical ones, virtual cards do not need to be activated. They can be used online just a few minutes after their creation. You can enjoy more flexibility and a better follow-up for your online recurring (or one-time) purchases: business trips, subscriptions, office supplies...

✌️ Good to know: Virtual cards are free and unlimited for Premium plans. If you wan to know more about our subscriptions and its benefits, click here

MasterCards are accepted all around the world. If you use your card abroad, please note that foreign exchange fees may apply.

Can I have both cards?

Of course!

You can cumulate virtual and physical cards. You can use both cards to distinguish your payments in-store and online.

Do you still have questions?

If you can't find the answer to your question in our FAQ, you can always contact us. We will answer you shortly!