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What is the difference between physical and virtual cards?

You can choose between two types of MasterCard payment 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 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.

>> Find out more about card activation

Card permission can be managed anytime by your account admin.

  • 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.

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



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