South Africa
Sign in
Personal
Business
Wealth

Virtual Cards

Virtual Card product detail

Our Virtual Cards are digital bank cards that you can create to shop online. You can load your card on your favourite mobile apps and use it to securely make payments and purchases online without having to use your credit or debit card details.

 

 

*Network costs apply only to downloading the app

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.

 

  • 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 User product detail, snapscan app, pay with snapscan, SnapScan
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 product detail
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.