South Africa
Virtual Cards
Some of the Benefits
User-friendly
Easily top-up your Virtual Card or link it to your existing Mastercard Credit Card
Personalise your card
Choose from our wide range of branded Virtual Cards or create a generic card - the choice is yours
Safe and secure
Our Virtual Cards are safer than physical cards because no-one can steal or duplicate your card, and you are in control of the amounts loaded on the card
Get rewarded
Some of our branded Virtual Cards offer you discounts or rewards points when using them
How it works
How to create a pre-paid Virtual Card on your Banking App:
- Sign into your Banking App
- Tap on Manage at the bottom of your screen
- Select Cards and tap on the Virtual cards icon
- Tap on Add Card at the top of the screen
- Follow the easy steps to finalise and top-up your new prepaid card
How to create a Virtual Credit Card on your Banking App:
- Sign into your Banking App
- Tap on Manage at the bottom of your screen
- Select Cards and tap on the Virtual credit cards icon
- Tap on Add Card at the top of the screen
- Follow the easy steps to finalise and top-up your new Virtual Credit Card
Pre-paid vs Credit
Pre-paid Virtual Card vs Virtual Credit Card:
- Both cards are free to use
- Both cards are created on the Banking App
- The pre-paid Virtual Card has to be prefunded from your current account, savings account or credit card
- The Virtual Credit Card doesn’t need to be prefunded as it’s linked to your Mastercard Credit Card
- You need to set a 3D Secure Code for both Virtual Cards, but your Virtual Credit Card will also require a one-time PIN (OTP)
- Your Virtual Credit Card enables you to set card and transaction limits, the type of transactions allowed, merchant categories and frequency of transactions during a specified period
- You can UCount Rewards Points on your Virtual Credit Card
What it costs
- Creating your Virtual Card: Free
- Top-up or withdraw from your Virtual Card: Free
- Shop with your Virtual Card: Free*
*Purchases from international merchants will be subject to an international transaction fee, which will be charged at 2.75% of the purchase amount.
Partners
You can create a co-branded Virtual Card with one of our partners:
- Takealot
Shop for anything and everything at South Africa’s largest online store. - Zando
Shop the best local and international clothing brands at one of the biggest online fashion stores. - Travelstart
Securely book your domestic and international flights at Africa’s leading online travel agency. - Admyt
Easily pay for your ticketless parking without any hassle. - Uber
Request a trip without having to worry about the safety of your card details.
You can also create a generic Virtual Card to pay for any local and international online purchases.
FAQS
Want to know more? View our frequently asked questions.
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How it works
-
Pre-paid vs Credit
-
What it costs
-
Partners
-
FAQS
How to create a pre-paid Virtual Card on your Banking App:
- Sign into your Banking App
- Tap on Manage at the bottom of your screen
- Select Cards and tap on the Virtual cards icon
- Tap on Add Card at the top of the screen
- Follow the easy steps to finalise and top-up your new prepaid card
How to create a Virtual Credit Card on your Banking App:
- Sign into your Banking App
- Tap on Manage at the bottom of your screen
- Select Cards and tap on the Virtual credit cards icon
- Tap on Add Card at the top of the screen
- Follow the easy steps to finalise and top-up your new Virtual Credit Card
Pre-paid Virtual Card vs Virtual Credit Card:
- Both cards are free to use
- Both cards are created on the Banking App
- The pre-paid Virtual Card has to be prefunded from your current account, savings account or credit card
- The Virtual Credit Card doesn’t need to be prefunded as it’s linked to your Mastercard Credit Card
- You need to set a 3D Secure Code for both Virtual Cards, but your Virtual Credit Card will also require a one-time PIN (OTP)
- Your Virtual Credit Card enables you to set card and transaction limits, the type of transactions allowed, merchant categories and frequency of transactions during a specified period
- You can UCount Rewards Points on your Virtual Credit Card
- Creating your Virtual Card: Free
- Top-up or withdraw from your Virtual Card: Free
- Shop with your Virtual Card: Free*
*Purchases from international merchants will be subject to an international transaction fee, which will be charged at 2.75% of the purchase amount.
You can create a co-branded Virtual Card with one of our partners:
- Takealot
Shop for anything and everything at South Africa’s largest online store. - Zando
Shop the best local and international clothing brands at one of the biggest online fashion stores. - Travelstart
Securely book your domestic and international flights at Africa’s leading online travel agency. - Admyt
Easily pay for your ticketless parking without any hassle. - Uber
Request a trip without having to worry about the safety of your card details.
You can also create a generic Virtual Card to pay for any local and international online purchases.
Want to know more? View our frequently asked questions.
We also offer
SnapScan App
No need to carry cash, wait for the card machine or enter your card details with every online purchase. With SnapScan, you can use your smartphone to make payments, send money to friends and earn UCount Rewards Points. SnapScan is compatible with most bank cards, as well as the Standard Bank Virtual Card.
Tap to Pay
You can use your credit or debit card to pay by tapping any card device with a contactless symbol*. Every purchase is secure, protecting your data and your account. And don’t worry if you tap twice by accident – you can only be billed once.