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What is the difference between physical and virtual cards?

You can get several MasterCards with your Qonto account. There are two types of payment cards:

  • Physical cards can be used for all kind of payments, in store or online. They can be ordered from your account and they are delivered to the card holder. Once received, physical cards need to be activated online before you can proceed with payments and cash withdrawals.
  • Virtual cards can be used for online payment only. They can be created from the app and you can use them a few minutes only after their creation. They have the same dates of validity as physical cards.

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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