Best Virtual Credit Card Providers in the UK (2025 Review)
Looking for the best virtual credit card in the UK this year? Whether you’re shopping online, trying to protect your real card details, or just want more control over your spending, a virtual credit card can be a smart move.
In this 2025 review, we’ll break down the top virtual credit card providers in the UK. These digital cards are not only secure and convenient—they’re often free, too. We’ve reviewed them based on features, fees, security, and ease of use so you can choose the one that fits your lifestyle and spending habits.
Let’s dive in!
What Is a Virtual Credit Card?
A virtual credit card is a digital version of a physical credit or debit card. It comes with its own card number, expiry date, and CVV, but you use it for online purchases instead of pulling out your real card. Some providers let you create a one-time-use card number for extra safety, while others give you ongoing virtual cards linked to your main account.
They’re perfect for:
- Safe online shopping
- Subscribing to free trials
- Keeping your real card details private
- Controlling spending on specific platforms
Now that you know what they are, let’s look at the best options available in the UK for 2025.
Top Virtual Credit Card Providers in the UK (2025)
1. Revolut
Best for: Budgeting, international payments, and travel
Revolut offers disposable virtual cards that automatically generate a new card number after every transaction. This adds an extra layer of security, especially for shopping on websites you’re unsure about.
Key features:
- Disposable virtual cards for one-time use
- Supports over 30 currencies
- Instant card freezing/unfreezing
- Works with Apple Pay and Google Pay
- Great for international shopping with low FX fees
Pros:
- High-level security features
- Excellent for travel and cross-border shopping
- Easy to manage through the app
Cons:
- Some features require a paid plan
- Customer service can be slow during peak times
2. Monzo
Best for: Everyday use and budgeting within the UK
Monzo’s virtual cards are available with their paid Monzo Plus and Monzo Premium plans. You can create multiple virtual cards and assign them to different spending categories.
Key features:
- Create multiple virtual cards
- Assign cards to specific budgets or merchants
- Freeze/unfreeze cards instantly
- Real-time notifications
Pros:
- Excellent for managing budgets
- User-friendly mobile app
- Integration with spending analytics
Cons:
- Only available with paid plans
- Not ideal if you need free options
3. Wise (formerly TransferWise)
Best for: International spending and managing multiple currencies
Wise offers a multi-currency virtual card linked to its borderless account. You can hold and spend in dozens of currencies at real exchange rates, making it perfect for online shopping from international sites.
Key features:
- Spend in over 50 currencies
- Low conversion fees
- No hidden charges
- Virtual and physical cards available
Pros:
- Great for global e-commerce
- Transparent and low fees
- Real exchange rate with minimal mark-up
Cons:
- Limited credit-based features—it functions more like a debit card
- No credit building or rewards
4. Curve
Best for: Consolidating multiple cards into one
Curve is a bit unique. It lets you link multiple cards (debit or credit) to a single virtual Curve card. You can then switch between funding sources within the app—even after a transaction.
Key features:
- One virtual card, multiple linked accounts
- “Go Back in Time” feature lets you change the payment card after purchase
- Smart anti-fraud tools
- No foreign transaction fees (within limits)
Pros:
- Flexible spending management
- Good for organizing multiple accounts
- Great mobile experience
Cons:
- Not a traditional credit card
- Free plan has limits; higher tiers cost extra
5. Cryptopay
Best for: Spending crypto securely online
Cryptopay offers a virtual card funded with cryptocurrencies. If you’re into crypto, it’s a cool way to use your Bitcoin or other digital coins for everyday purchases.
Key features:
- Spend Bitcoin, Ethereum, and more
- Virtual card can be used like a prepaid card
- Instantly top up using crypto
- Works for online shopping and subscriptions
Pros:
- Quick way to convert and spend crypto
- Secure and anonymous transactions
- No need to convert to fiat manually
Cons:
- Not for everyone—limited to crypto users
- Fees can vary depending on the coin and network
6. Privacy.com (Coming Soon to UK)
Best for: Ultimate privacy and spending control (still limited to US users, but UK launch expected)
While not fully available in the UK yet, Privacy.com is worth keeping an eye on. It allows you to create virtual cards for specific merchants, set spending limits, and automatically block charges if something doesn’t match.
Key features:
- Create single-use or merchant-locked cards
- Set monthly or per-use spending limits
- Built-in fraud protection
- Instantly pause or delete cards
Pros:
- Maximum control and security
- Great for subscriptions and trial offers
- Intuitive interface
Cons:
- Not yet available in the UK (expected in late 2025)
- Doesn’t offer traditional credit features
How to Choose the Right Virtual Credit Card in the UK
Choosing the best virtual card depends on your needs. Ask yourself these questions:
- Do you want it for safe online shopping or managing subscriptions?
- Are you looking for credit-building features, or is a prepaid card okay?
- Do you travel or shop internationally a lot?
- Do you want a free option, or are you open to paying for premium features?
If you’re after budget control, apps like Monzo or Revolut are excellent. If international spending is a priority, Wise or Curve will serve you better. Crypto enthusiast? Cryptopay is your go-to.
Benefits of Using a Virtual Credit Card
Here are some reasons to use a virtual card in 2025:
- 🔐 Improved security – Prevent fraud and keep your main card details safe.
- 🧾 Easy to track spending – Many providers include built-in budgeting tools.
- 📉 Avoid hidden fees – Transparent spending with real-time alerts.
- 🛍️ Great for free trials – Use a disposable card and never get auto-charged again.
- 🌍 Perfect for online shopping – Especially from international stores.
Potential Downsides
- ⚠️ Not always accepted – Some merchants may not take virtual cards.
- 📲 App dependent – You’ll need a smartphone for full control.
- 💳 Limited credit options – Most virtual cards act like debit or prepaid cards.
- 💰 Some require paid plans – Features like multiple cards may cost extra.
FAQs About Virtual Credit Cards in the UK
Are virtual credit cards legal in the UK?
Yes, absolutely. They’re regulated and offered by FCA-licensed institutions, just like physical cards.
Can I use a virtual card for subscriptions like Netflix or Spotify?
Definitely. They work just like real cards and are great for recurring payments.
Do virtual cards help build credit?
Most don’t, unless they’re tied to a real credit account. Prepaid or debit-style virtual cards won’t impact your credit score.
Are virtual cards free to use?
Many providers offer basic virtual cards for free, but advanced features may require a paid plan.
Can I withdraw cash using a virtual card?
No, virtual cards typically only work for online purchases. You’ll need a physical card for ATM withdrawals.
Final Thoughts
Virtual credit cards are becoming a must-have in the UK, especially as more people shop online and prioritize digital security. Whether you want to manage spending, protect your main account, or even spend crypto—there’s a virtual card out there for you.
For most users, Revolut or Monzo offers a great starting point. If you’re an international shopper or traveler, Wise or Curve could save you big on fees. And if you’re crypto-savvy, Cryptopay might be worth a try.
Take a little time to compare the features, fees, and benefits—and pick the card that fits your lifestyle in 2025.
