If you live in Austria and your card keeps failing online, this page is for you. It is also for you if no Austrian bank will give you a card yet.
A virtual credit card for Austria is a card number you buy online and use right away. There is no plastic, no bank branch, and no wait for the post.
We are Vizocard. We sell prepaid Visa and Mastercard virtual cards, funded with crypto, ready in minutes. We are not an Austrian bank and we do not pretend to be one.
We will also show you where our card works, where it does not, and how to fix the declines that catch people out. Get your card now or read on first. Both are fine by us.
A virtual credit card in Austria is a card number with a CVV, an expiry date and a billing address. You get all four in your dashboard, and you type them into any online checkout that takes Visa or Mastercard.
Nothing arrives in the post. There is no chip and no PIN, because there is nothing to tap.
The card holds a fixed balance you load yourself. When the balance runs out, the card stops. That is the whole safety story in one sentence.
Your Bankomatkarte is tied to your current account. If someone steals the number, they are reaching into the account your salary lands in.
A virtual card is tied to nothing. It holds only what you put on it, so the most anyone can take is that amount.
There is a second difference that matters more than people expect. A bank card belongs to the bank, and the bank decides who gets one. A prepaid virtual card is a product you buy, so the door is open to more people.
We should be straight with you here, because a lot of sellers are not.
What we sell is a prepaid card. It runs on the Visa and Mastercard networks and it is accepted in the same places a credit card is accepted. But it does not lend you money and there is no monthly bill.
"Virtual credit card" is the phrase people type into Google, so it is the phrase on this page. The product behind it is prepaid. No credit check, no KSV1870 file, no interest, no debt.
If you want a real revolving credit card in Austria, you need an Austrian bank and an income they will accept. We explain what that involves further down, because sometimes that is the right answer for you.
VCC stands for virtual credit card. Austria VCC is just shorthand sellers use for the same thing.
You will see it on forums, in ad-buying groups and in reseller listings. It does not describe a special Austrian product. There is no card network called VCC.
Treat it as a search term, not a product name. What matters is who issues the card, what network it runs on, what it costs and whether the seller will still answer you next week.
Both, but for different reasons. That is the honest answer, and it is why this page is split the way it is.
Austrian citizens usually already have a bank card. Their problem is control, not access. Foreigners in Austria often cannot get a bank card at all yet, so their problem is access.
One product solves two very different problems. Here is how each side plays out.
Because they do not want their main account number sitting in twenty merchant databases.
Card payments make up about nine in ten reported payment fraud cases in Austria, according to the Oesterreichische Nationalbank. Total damage reached €115.4 million in 2025 across roughly 351,000 transactions. The average card case is small, around €75, but it is still your money and still your afternoon on the phone.
There are three other reasons we hear constantly.
Subscriptions that will not cancel. A capped card ends the argument for you.
Free trials that quietly turn into paid plans. A card with a small balance cannot be charged.
Ad accounts and cloud bills that need to be kept apart from personal spending. One card per account keeps the books clean.
Because Austrian banks ask for paperwork you may not have yet.
A typical account opening asks for photo ID, a Meldezettel, an employment contract and three recent payslips. That list comes from Work in Austria, the Austrian Business Agency's own guide.
If you arrived last month, you may have the ID and nothing else. And you still need to pay for a flat deposit, a SIM card, a language course and a laptop.
That gap between landing in Vienna and holding a working Austrian card can run weeks. A virtual prepaid card fills it the same day.
Yes. You do not need to be standing in Austria to buy one from us.
You do not need an Austrian address, because the card is not issued in Austria and uses the billing address supplied with it. You buy it, you fund it, you use it.
This matters more than it sounds. Plenty of things you sort before you move want a card up front. A flat listing fee. A visa appointment service. An insurance quote. A German course.
No. UniCredit Bank Austria does not sell a standalone virtual card to personal customers, and neither does any other Austrian retail bank we could find.
We checked five Bank Austria pages before writing that sentence. Here is what is actually there.
Bank Austria sells a physical Debit Mastercard and physical credit cards. Both can be added to Apple Pay or Google Pay through the MobileBanking app, after the plastic card arrives.
The only page on their site with "virtual" in the address is virtual-accounts.jsp. That is corporate cash management software for company treasurers. It has nothing to do with cards.
So if you searched "bank of austria virtual card" and landed on a page about payment automation for businesses, that is why. You were not doing anything wrong.
Austrian banks use the phrase "digitale Karte" or "digitale Zahlungskarte", and it is easy to read that as a virtual card. It is not one.
Bank Austria's own customer information sheet spells it out. They call it "ein (digitales) Abbild der physischen Zahlungskarte des Karteninhabers in einer Wallet". In plain English: a digital copy of your physical card, sitting in a wallet on your phone.
Same card number behind it. Same account. Same rules about who is allowed to have it.
Raiffeisen and Oberbank describe theirs the same way. The wallet copy is free, which is nice. It does not help you if the bank never gave you the plastic card.
One does, and only for companies.
Erste Bank launched Business Virtualcards through George Business on 15 July 2025. It called itself the first universal bank in Austria to offer virtual credit cards to businesses. Limits start at €1 and a card can be set to live for a single day.
It costs €12 a month for 120 cards. Erste waives that monthly fee for contracts signed by 31 December 2026.
It is a good product. It is also closed to you unless you have an Austrian business account with Erste. For everyone else, the shelf is empty.
Because most Austrian debit cards ran on Maestro, and Maestro was never built for online checkouts.
This is recent history, not ancient history, and it explains a lot of the frustration Austrians still carry about paying online.
Debit Mastercard and Visa Debit. The switch has been running since 2019 and is effectively finished.
The OeNB puts around 11 million debit cards in circulation in Austria in 2024, against roughly 3 million credit card products. It also states plainly that the new debit cards carry a 16-digit number that allows internet purchases. That used to be a credit card feature only.
Mastercard stopped issuing new Maestro cards in Europe on 1 July 2023. Cards already in wallets keep working until they expire.
If you still read somewhere that Austrians pay online "with Maestro", that page is out of date.
Because checkout forms expect 16 digits.
Mastercard said it in their own words. Maestro cards "cannot consistently be used for e-commerce payments, in part because the numbering convention on Maestro cards (up to 19 digits) is not compatible with widely used e-commerce portals."
That single design choice locked millions of Austrian cardholders out of ordinary online shops for years.
The numbers moved fast once the new cards landed.
Payment Services Austria runs the Bankomat network. It reported Austrian e-commerce card transactions passing 82 million in 2022, up 85% in a single year, and credited the switch to internet-capable debit cards.
So the plumbing is fixed. Austrian bank cards work online now.
What did not change is who gets one. If a bank will not open you an account, the best card in Europe is still not yours. That is the gap we sit in.
Because a decline is almost never about your balance. It is about a check that failed somewhere between the shop and the card issuer.
There are four checks that catch people in Austria. Learn these and you will fix most declines yourself in under a minute.
Because your bank sends the approval to a phone or an app you cannot reach.
Austrian banks handle this in two different ways, and both create the same trap.
Bank Austria uses app approval only. Their Mastercard page states it flatly: "Aus Sicherheitsgründen ist die MobileBanking App zur Authentifizierung von Zahlungen im Internet zwingend notwendig."
The app is required for internet payments, full stop.
Erste Bank uses George ID in the app, or a cardTAN device. Neither is an SMS.
easybank has used an SMS code sent to a registered mobile number. Its own FAQ makes a current mobile number a condition of signing up for 3-D Secure.
So the approval never lands if your phone is on a foreign number. Or if you are roaming. Or if the app will not install. Or if you never finished the app setup.
The payment fails and the shop tells you nothing useful.
Our card sits outside that chain, because it is not tied to an Austrian bank app. The Visa and Mastercard tiers on our pricing page support 3-D Secure, so you can clear the check without an Austrian bank relationship.
When a merchant asks for that step, follow the approval method shown at checkout. If you are not sure what you are looking at, message us before you retry. Repeated failed attempts can trip a merchant's own risk rules.
It is a European rule that says an online card payment needs two proofs, not one.
The FMA, Austria's financial regulator, names three families of proof. Something you know, like a password. Something you have, like a card or a phone. Something you are, like a fingerprint or a face scan.
Any two of the three will do. The rule comes from PSD2, and it took effect in Austria on 1 January 2021, with a test phase running to 15 March 2021.
This is not something a seller can switch off for you. Anyone promising you a card with "no verification at checkout" is describing a card that will simply fail at a large share of European shops.
You use the billing address printed in your Vizocard dashboard, exactly as it is written there.
Not your Vienna address. Not your parents' address. The one we give you with the card.
This is the mistake we see most often, and it is the easiest to fix. The check behind it is called AVS, the Address Verification Service. It compares the address you type at checkout against the address held by the card issuer.
Our cards are issued in the United States, and US issuers support AVS. So a mismatch is a real failure, no matter where the shop sits. Type the dashboard address exactly and the check passes.
Two small habits save you a lot of trouble. Copy and paste rather than typing from memory. And keep the postcode format exactly as shown, digits and all.
Because they are allowed to, and some choose to.
You may have read that refusing a card by country of issue is illegal in the EU. That is true, but only within limits people usually miss.
Article 5 of Regulation (EU) 2018/302, the geo-blocking rule, protects payment instruments issued within the Union. Our card is issued in the United States. That protection does not cover it.
We would rather tell you that than let you find out at a checkout. If a specific Austrian merchant only accepts EU-issued cards, our card will not get you through, and no seller can honestly promise otherwise.
The good news is that this is rare in practice for the things people actually buy with a virtual card. Streaming, software, cloud, ads and marketplaces almost all accept a US-issued Visa or Mastercard.
|
What you see |
What is really happening |
What to do |
|---|---|---|
|
"Card declined", no other detail |
Balance too low for the charge plus any hold |
Check the balance, then top up. Merchants often pre-authorise more than the price |
|
"Do not honour" |
Issuer blocked it, usually a risk rule |
Try a smaller amount first, or a different merchant, then contact us |
|
Address or postcode mismatch |
AVS check failed |
Re-enter the billing address from your dashboard, character for character |
|
3-D Secure page loops or times out |
Approval was never completed |
Finish the step the way the checkout asks. Message us if the prompt is unclear |
|
Payment works, subscription fails next month |
Card expired, or balance ran out |
Top up before the renewal date, or move the subscription to a fresh card |
|
Merchant asks for a card "issued in your country" |
The shop restricts by issuing country |
This one we cannot solve. Use an Austrian account for that purchase |
|
Recurring charge rejected after a card change |
Merchant stored the old number |
Update the card on file, do not just add a new one |
Still stuck? Message us on WhatsApp at +44 7426 498980 or email support@vizocard.com. We answer around the clock.
More than most people expect, and the list is where new arrivals get stuck.
We are covering this even though it points you away from us. If a bank account is the right answer for you, you should have it.
Four things, usually.
A photo ID: a passport, or a national ID card if you are an EU or EEA citizen.
A Meldezettel or another accepted proof of your Austrian address.
An employment contract, or other proof that you work.
Your last three payslips.
Banks ask for this because Austrian anti-money-laundering law, the FM-GwG, requires them to know who their customer is. The Meldezettel itself is not written into that law. It is bank policy, which is why policies differ between banks.
For a standard Austrian bank account, in practice, yes. For our card, no.
You are legally required to register your address within three days of moving into accommodation, according to oesterreich.gv.at. You do that at the local Meldeamt and you get a Meldebestätigung.
The catch is timing. You often need an address before you have a lease, and a lease before you have an address. Meanwhile the flat agency wants a deposit today.
Our card does not ask for a Meldezettel, because it is not an Austrian bank product. That is not a loophole. It is simply a different kind of product.
A Basiskonto is a basic Austrian payment account that banks must offer you. Almost nobody writes about it, and it can be the answer to your problem.
The FMA states that every consumer has had the right to one since 18 September 2016. It is open to people lawfully resident in the EU, including people with no fixed address. Asylum seekers and holders of temporary residence permits can open one with their own identity documents.
It includes deposits, cash withdrawals, direct debits and online payments, with a debit card and no overdraft. The price is capped at €83.45 a year, or €40 for vulnerable consumers.
Erste's version, for example, comes with a free debit card and asks only for lawful residence in the EU.
If a bank has told you no and you meet those conditions, ask about the Basiskonto by name. That right exists whether or not you ever buy anything from us.
It changes almost everything on the bank side, and almost nothing on ours. This is the heart of the question people search for, so we will take it group by group.
You have the easiest path to a bank card, and the fewest reasons to need us.
With an Austrian ID, a Meldezettel and steady income, a current account and a Debit Mastercard are routine. A credit card depends on your income and your KSV1870 record.
Where our card helps you is control, not access. Ad accounts. Cloud bills. Free trials. One-off purchases from shops you do not trust. Any subscription you want to be able to kill in one click.
You do not need a residence permit to live in Austria. You do need to register a longer stay.
oesterreich.gv.at sets out the rule. For stays over three months you apply for an Anmeldebescheinigung at the Niederlassungsbehörde. The application must be filed within four months of entering Austria.
A national ID card is normally enough for the bank's ID check. The friction for you is usually the payslips, not the passport.
There is one more thing worth knowing before you open a neobank account instead. N26 gives Austrian customers a German IBAN. Revolut has used a Lithuanian one and has been issuing Austrian IBANs to some customers during 2026.
Under Article 9 of Regulation (EU) 260/2012, a payee may not insist that your account sits in a particular member state. You will still meet Austrian landlords and employers who try.
You can open an Austrian account, and your permit is part of how you prove who you are.
The Rot-Weiß-Rot – Karte plus gives you temporary settlement and unrestricted access to the labour market, per migration.gv.at. It runs for one year and can extend to three after two years of lawful residence plus the integration module.
The standard Rot-Weiß-Rot – Karte ties you to a named employer instead.
Where people get stuck is the gap between arriving and holding all four documents at once. Your permit arrives, then your flat, then your registration, then your first payslip. That sequence can take two months, and life does not pause for it.
Our card covers that stretch. When your Austrian account opens, you can keep using ours for the things you want kept separate, or stop. No contract either way.
You are in the hardest position of any group, because the paperwork banks want is the paperwork students do not have.
The student residence permit costs €218 and runs for one year, per oesterreich.gv.at. It asks for a valid travel document, a recent photo, all-risk health insurance, proof of secure means of support and confirmation of your enrolment.
No employment contract. No payslips. Which is exactly what the bank asks for.
Student accounts do exist at Erste and elsewhere, usually limited to enrolled students at an Austrian university. Ask about them, and ask about the Basiskonto if the answer is no.
Meanwhile you still need to pay for course platforms, exam fees, software licences and the streaming service that keeps you sane. A prepaid card handles all of that from day one.
Grenzgänger, seasonal workers, remote workers on a Digital Nomad setup and people still house-hunting all share one problem: no Austrian address on file.
For banks, that is often a hard stop. Some card issuers reject applicants whose main residence sits outside Austria.
For us, it is not a factor at all. You use the billing address that comes with the card.
|
Your status |
What an Austrian bank usually asks |
Realistic bank outcome |
What you can get from us today |
|---|---|---|---|
|
Austrian citizen |
ID, Meldezettel, income proof |
Account and debit card routine; credit card depends on income and KSV1870 |
Card in minutes, used alongside your bank card for control |
|
EU/EEA citizen, registered |
National ID, Meldezettel, income proof |
Account usually fine; credit card needs Austrian income history |
Card in minutes, no Austrian paperwork |
|
Non-EU, RWR-Karte plus |
Passport, permit, Meldezettel, payslips |
Account workable once settled; credit card takes longer |
Card in minutes, useful during the settling-in gap |
|
Non-EU, RWR-Karte |
Passport, permit, Meldezettel, contract |
Account workable; card offers tied to employer income |
Card in minutes |
|
Student permit |
Passport, permit, Meldezettel, enrolment |
Student account possible; credit card unlikely |
Card in minutes, no payslips needed |
|
Newly arrived, no Meldezettel |
Cannot complete the address check |
Basiskonto is the route to ask about |
Card in minutes, no address check |
|
Cross-border worker |
Austrian main residence often required |
Frequently refused for cards |
Card in minutes |
We are not telling you to skip the bank. We are telling you what you can do while the bank makes up its mind.
A working card number and everything a checkout asks for. Nothing hidden behind a support ticket.
Five things land in your dashboard once your payment clears.
The card number. The CVV. The expiry date. The billing address to use at checkout. And a card statement you can open any time. Our Visa and Mastercard cards carry a standard 16-digit number.
That is enough to pay anywhere online that takes the card network. There is nothing else to set up.
Both are on the shelf, and the tiers on our pricing page are Visa.
Our published cards include a Visa Virtual Universal on BIN 442256, issued in the USA. There is also a Mastercard Reloadable Classic on BIN 527520, again issued in the USA. You can check any BIN yourself with our BIN checker before you buy.
We publish the BIN because a serious buyer wants to know which network and which issuing country they are getting. Ask any seller for both before you pay. If they will not say, you cannot check anything about the card.
The card is denominated in US dollars. Austria uses the euro. You should know what that costs you.
When you pay a euro-priced merchant with a USD card, someone converts the money. The rate used is the card network's rate on the day, and a currency difference applies.
For USD-priced services, and that is most AI tools, cloud platforms, ad accounts and US software, there is no conversion at all. Those are the purchases where our card is the cleanest fit.
For a €12 Austrian grocery delivery, it is not the right tool. Use your bank card.
We say this plainly because a page that pretends a USD card is perfect for everything is not being useful to you.
One year from purchase, on the tiers listed on our pricing page.
On those tiers, the maximum total load is $10,000 and the top-up fee is 5%. Other cards in our catalogue are priced separately, so check the card you are buying.
There is no monthly fee. If you never top up again, you are not charged for holding the card.
Four steps. Most people finish in under ten minutes.
Open our card catalogue and choose a tier.
Match the amount to the job. A €9.99 monthly subscription does not need a $300 card. An ad account that spends daily does.
If you are buying for a business or need several cards at once, our bulk virtual cards and corporate payment cards pages cover that setup.
Create your account with an email address, then pay with crypto.
USDT on TRON is the route we point most people to. Network fees are tiny and confirmation usually takes a few minutes. Bitcoin and Ethereum work too, and both cost more in network fees.
Your balance is the card's ceiling. Load what you plan to spend, plus a little headroom for merchant pre-authorisation holds.
Your card details appear in your dashboard as soon as the payment confirms.
Copy the number, CVV, expiry and billing address into a password manager. Do not keep them in a notes app or a chat thread.
Start small. Run one low-value payment before you point a big subscription at the card.
Use the dashboard billing address, not your Austrian one. Complete the 3-D Secure step from your dashboard when a merchant asks for it.
If that first payment goes through, the rest will too. If it does not, the triage table above will tell you why in about thirty seconds.
With crypto. That is the funding route we support, and we would rather be clear about it than list options that do not work.
Bitcoin, USDT, and other major coins listed at checkout.
USDT on the TRON network is the practical choice for most buyers. It is pegged to the dollar, so the amount you send is the amount that arrives, and network costs are close to nothing.
Bitcoin and Ethereum both work. Ethereum network fees swing, so check the fee before you send.
Yes, and Austria has one of the clearer rulebooks in Europe for it now.
The EU's Markets in Crypto-Assets rules, MiCA, became fully applicable on 30 December 2024. The FMA now licenses and supervises crypto-asset service providers operating in Austria.
What that means for you in practice: buy your crypto from an exchange that is licensed to serve Austrian customers, and keep your records. You will need an exchange account to get started, which does involve an ID check at the exchange, not with us.
We are not a crypto exchange and we do not give tax advice. If you are unsure how a crypto disposal is treated on your Austrian tax return, ask a Steuerberater. That is a real question with a real answer, and it is not ours to give.
5% of the amount you load, as published on our pricing page.
We are putting that number in plain sight because we spend part of this page criticising sellers who bury their fees. It would be poor form to hide ours.
Work it into your plan. On a $200 load, the fee is $10. If you are comparing us against a free virtual card from a neobank you can actually open, the neobank is cheaper. We are the option for when you cannot open one.
Anywhere online that takes Visa or Mastercard and does not demand an EU-issued card. Below is the platform-by-platform guide, with what usually breaks and how to get past it.
Netflix, Spotify, Disney+, YouTube Premium, Crunchyroll and the rest all take a card number and charge it monthly.
What to enter: card number, expiry, CVV, and the dashboard billing address.
What breaks: the card runs dry between renewals and the account suspends. Set a reminder a few days before the renewal date and top up.
A neat trick: one card per service. Cancelling then becomes a matter of letting the balance run out, and no support chat is required. Our subscriptions guide and the Crunchyroll walkthrough go deeper.
ChatGPT, Claude, Midjourney, GitHub and API billing all charge in US dollars, which suits a USD card perfectly.
What to enter: standard card details plus the dashboard address.
What breaks: usage-based billing overshoots your balance mid-month. Keep more headroom on the card than you think you need, because an API bill is not a fixed price.
AWS, Microsoft Azure, Google Cloud and Oracle Cloud all verify a card before they open an account, usually with a small charge that is refunded.
What to enter: card details, the dashboard billing address, and the same name across the account and the card record.
What breaks: the verification charge fails on an empty card. Fund the card before you add it, not after.
We have separate step-by-step pages for AWS, Azure, Google Cloud and Oracle Cloud.
Meta Ads, Google Ads, Bing Ads and TikTok Ads bill in one of two ways. When you hit a spending threshold, or on a monthly billing date, whichever comes first.
What to enter: card details and the dashboard address, matched to the billing profile name.
What breaks: the threshold charge lands when the card is empty, and the ad account pauses. That is the single most expensive mistake in this section, because paused campaigns lose their momentum.
Media buyers running several accounts should read our ads card guide and the Bing Ads walkthrough.
Amazon, the App Store, Google Play and game stores mostly accept a US-issued card without complaint.
What to enter: card details plus the dashboard billing address.
What breaks: regional account mismatches. An Amazon.de account with a US-issued card sometimes triggers an extra check. Our Amazon verification guide and the Amazon Prime page cover what works and what does not.
This is what a capped prepaid card was made for.
Load a small amount, use it for the trial, and let the card sit empty. If you forget to cancel, the charge simply fails and nothing leaves your account.
Two guides go through it properly: virtual cards for free trials and getting a card for a free trial.
You can often add a virtual card to PayPal or a mobile wallet, but this is the least predictable area on the page.
Wallet and PayPal rules change, and they vary by account and by country. Some accounts will link a US-issued card without trouble, some will not.
Our PayPal guide and Google Pay page explain the current picture. If it does not link on your account, that is not a fault on the card.
Every honest card page needs this section. Here is ours.
It cannot lend you money. There is no credit limit, only the balance you loaded.
It cannot build an Austrian credit record. Nothing you do with this card reaches KSV1870, for better or worse.
It cannot give you an Austrian IBAN. It is a card, not an account. If you need somewhere for a salary to land, you need a bank.
It has no chip and no PIN of its own, so it does not work at an ATM. Where a mobile wallet accepts the card, in-store payments run through the wallet rather than the card itself.
A small number of merchants restrict payments to cards issued inside the EU. As covered above, the geo-blocking rule does not stop them doing that to a US-issued card.
If you meet one, use an Austrian card. We would rather you knew now.
Some things simply want a domestic setup, and no virtual card changes that.
Direct debits for rent, energy and phone contracts want an IBAN, not a card. FinanzOnline payments to the tax office run through bank transfer. eps-Überweisung, the Austrian online bank transfer method you meet at ÖBB and many local shops, works from your online banking, not from a card.
The same goes for anything that needs ID Austria, the national electronic identity. That is a government login, not a payment method, and a card cannot stand in for it.
If the money needs to move as a transfer rather than a card payment, this is the wrong tool. Use your bank account, or open a Basiskonto if you do not have one.
We would rather lose a sale than have you buy the wrong thing.
By making the worst case small. That is the whole idea.
The OeNB reported €115.4 million in payment fraud damage in Austria for 2025, across around 351,000 fraudulent transactions.
Card payments make up about nine in ten of those cases, with an average loss near €75. Transfer fraud is only about 9% of cases but 78% of the damage, averaging around €3,000 a case.
Read that twice. Card fraud is frequent and small. Transfer fraud is rare and enormous.
One more number is worth sitting with, and it is about where the shop sits, not where your card is from.
The ECB and EBA reported in December 2025 that card fraud was 17 times higher when the payment recipient was outside the EEA. In those places the European authentication rule does not apply, and often is not used.
So the risk follows the merchant. If you buy from shops outside Europe, the protection you get from the rules is thinner. The answer to that is not marketing. It is a hard balance ceiling.
A fraud alert tells you after the money left. A cap stops the money leaving.
Say a merchant is breached and your card number is copied. The attacker finds a card with $40 on it and a ceiling of exactly $40.
Your salary account is untouched, because it was never connected.
Give each risky merchant its own card, and a breach at one shop cannot touch anything else.
It also makes the mess easier to clean up. You know exactly which card to burn.
Our disposable card and temporary card guides explain how to run this without losing track of your own cards.
Here are our published prices. These are the tiers on our pricing page, and they are the ones that apply.
|
Plan |
Network |
Price |
Validity |
Top-up fee |
Maximum total load |
|---|---|---|---|---|---|
|
Virtual Visa Reloadable |
Visa |
$200 |
1 year |
5% |
$10,000 |
|
Virtual Visa Gold |
Visa |
$200 |
1 year |
5% |
$10,000 |
|
Virtual Visa Platinum |
Visa |
$300 |
1 year |
5% |
$10,000 |
All three include instant delivery, 3-D Secure, a billing address, a card statement and no monthly fee. Funding is by crypto.
You deserve the full picture, including the options that are cheaper than ours.
|
Provider |
Virtual card? |
What it costs |
What you need to get it |
|---|---|---|---|
|
Vizocard |
Yes, that is the product |
200–300 on our published tiers, 5% top-up, 1 year |
An email address and crypto |
|
Bank Austria |
No consumer virtual card |
Debit and credit cards priced per account |
Austrian account, bank's own checks |
|
Erste / George |
Business Virtualcards only |
€12/month for 120 cards, monthly fee waived for contracts signed by 31.12.2026 |
An Austrian business account with Erste |
|
Raiffeisen |
Wallet copy of a physical card |
Digitisation free |
Austrian account and a physical card first |
|
BAWAG P.S.K. |
No virtual card published |
KontoBox Small €6.08 a month, debit card included |
Austrian account |
|
card complete Visa Prepaid |
Physical prepaid, posted to you |
€1.50/month, 1.65% processing fee, load €20–€2,500 |
Application and an Austrian address |
|
PayLife Classic |
No virtual card published |
€28.30 a year |
Application |
|
N26 |
Yes |
Standard plan free; first virtual card free once €10 is on the account; extra virtual card €2.59 one-off |
Residence in a supported country, ID check, German IBAN |
|
Revolut |
Yes, including single-use |
Standard plan free, virtual cards free |
Age 18+, legal residence, ID check |
|
bunq |
Yes |
Free and Core (€3.99/month) include 1 digital card; Pro includes 25 |
Residence in a supported EEA country, accepted ID |
|
Wise |
Yes, up to 3 digital cards |
Digital card free, physical card €8 |
Registered EEA address, ID check |
Read that table honestly and the conclusion is obvious. If you can open N26, Revolut, bunq or Wise, their virtual cards are cheaper than ours.
Our card earns its price in three situations. When those apps will not accept you. When you want a card that carries no link at all to your main account. And when you need cards issued quickly and repeatedly for separate ad, cloud or client accounts.
That is a smaller market than "everyone in Austria". We would rather have the right customers.
Check five things before you send anyone money. This applies to us as much as anyone else.
Is there a real address and a real way to reach a human? A support email and a phone or chat channel that answers. Ours are on our contact page, along with our address at 21 St Petersburgh Pl, London W2 4LA.
Will they tell you the BIN and the issuing country? If nobody will say which network and which country the card comes from, you cannot check anything. Ask us and we will tell you.
Are the fees written down before you buy? Top-up fee, validity, load limit. If those only appear after payment, walk away.
Do they say what the card cannot do? A seller who claims a card works everywhere, for everything, has not thought about it. Or is hoping you have not.
Do they promise "no ID, ever"? This is the big one.
The FMA publishes investor warnings naming firms that are not licensed for regulated business in Austria. The list is public at fma.gv.at, and since June 2026 the warnings are also republished on Watchlist Internet.
Search a company name there before you send money to anyone offering financial products.
One caution, and it comes from the Austrian government's own guidance: not appearing on the list does not mean a firm is licensed or safe. Absence of a warning is not a seal of approval. Check the FMA company register too.
Because it is a promise nobody in payments can keep.
Card networks, issuing banks and European rules all put identity duties on somebody in the chain. A seller who claims those duties have simply been abolished for you is telling you something about their compliance, and none of it is reassuring.
Here is our honest position. You can sign up with an email address, and you do not need an Austrian bank account to buy from us. Higher-value or country-specific card requests can involve additional checks or a higher deposit fee. Our terms of service say so.
That is less exciting than "no checks ever". It is also true, and a page about your money should be true.
We are a card seller, not a bank. Your funds with us are not covered by the Austrian or EU deposit guarantee, because there is no deposit and no bank.
The card is prepaid, denominated in US dollars, and issued in the United States. Its validity, load limit and fees are published above.
If any of that makes our card the wrong fit for you, we would rather you knew before you paid than after.
Two come up often. Neither is as complicated as people fear, and neither is advice we can give you personally.
No. The Austrian standard VAT rate is 20%, and how you pay does not change what you owe.
For business-to-consumer digital services, the place of supply is where the customer is. So a foreign provider selling to a consumer in Austria charges Austrian VAT, whatever card is used.
Anyone selling you a card on the promise that it lowers your VAT bill is selling you something else entirely.
Possibly, and it depends on your situation.
Austria taxes capital income from crypto-assets, and spending crypto can count as a disposal. Whether you owe anything depends on what you paid for the coins and what they were worth when you spent them.
We are not tax advisers and this page is not tax advice. Talk to a Steuerberater, or read the Bundesministerium für Finanzen guidance directly. Keep your exchange records either way.
You contact us, and we tell you the truth about what we can fix.
Email support@vizocard.com, or message our WhatsApp line on +44 7426 498980. Both are on our contact page.
We aim to answer email within an hour, and WhatsApp is usually faster.
We can help with a card that will not authorise. A billing address you cannot find. A top-up that has not landed. Choosing the right card for a platform.
We cannot force a merchant to accept a card they have chosen to restrict. We cannot reverse a payment you authorised because the product disappointed you. And we cannot recover crypto sent to the wrong address.
Here is the part people miss, so we will say it before you pay. Card purchases are not refunded. Unused balance on an active card can be withdrawn through live chat.
Read our terms of service before you buy, not after.
A dispute with a merchant is a matter between you and the merchant first. Ask them for a refund before anything else, and keep the emails.
If you are working out whether a dispute is worth the effort, our chargeback calculator will do the arithmetic with you.
You have the full picture now. What Austrian banks offer, what they ask for, where our card fits and where it does not.
If a Basiskonto or a neobank account solves your problem more cheaply, take that route. We meant every word of that.
If you need a card today, with no Austrian bank account and no waiting, we can have you paying online in minutes.
Browse our cards · See the pricing · Ask us a question first
1. Can a foreigner get a virtual credit card in Austria? Yes. You do not need Austrian citizenship, an Austrian bank account or a Meldezettel to buy a prepaid virtual card from us. You sign up with an email address and fund the card with crypto. Austrian banks are different: they usually ask for photo ID, proof of address, an employment contract and payslips.
2. Is a virtual credit card legal in Austria? Yes. Prepaid cards on the Visa and Mastercard networks are ordinary payment products, and using one in Austria is legal. European rules on strong customer authentication still apply to your payments. That is why the Visa and Mastercard tiers on our pricing page support 3-D Secure.
3. Does Bank Austria offer a virtual card? No. UniCredit Bank Austria publishes no standalone virtual card for personal customers. Its "digitale Zahlungskarte" is a wallet copy of a physical card you already hold. Its "virtual accounts" page is corporate cash management software, not a card.
4. Which Austrian bank has a real virtual card? Erste Bank, through George Business, and only for companies. Erste launched Business Virtualcards on 15 July 2025, describing itself as the first universal bank in Austria to offer virtual credit cards to businesses. Personal customers cannot buy them.
5. Do I need a Meldezettel to get a virtual card? Not for ours. An Austrian bank will normally want one, because proof of address is part of its own customer checks. Our card is not issued in Austria and uses the billing address supplied with the card.
6. Can I get an Austria virtual card without a bank account? Yes. That is the main reason people buy one. You do not need an Austrian IBAN, an Austrian bank relationship or an Austrian credit record.
7. Why does my virtual card get declined in Austria? Usually one of four reasons. The balance is too low once merchant holds are added. The billing address does not match. The 3-D Secure step was never finished. Or the merchant restricts cards by issuing country. The triage table above walks through each one.
8. What billing address do I use at checkout? The one shown in your Vizocard dashboard, copied exactly. Do not enter your Austrian home address. The card is checked against the address held by the issuer, not against where you live.
9. How do I fund a virtual prepaid card for Austria? With crypto. USDT on TRON is the most practical choice, with low network fees and quick confirmation. Bitcoin and Ethereum also work. The top-up fee is 5% of the amount you load.
10. Is crypto regulated in Austria? Yes. The EU's MiCA rules became fully applicable on 30 December 2024, and the FMA supervises crypto-asset service providers in Austria. Buy from an exchange licensed to serve Austrian customers and keep your records.
11. Does the card work with Netflix, Spotify and other subscriptions? Yes, as long as the balance covers each renewal. The most common failure is not a rejected card but an empty one at renewal time. Top up a few days before the billing date.
12. Can I use an Austria VCC for Meta Ads or Google Ads? Yes. Ad platforms charge either at a spending threshold or on a monthly billing date, whichever comes first. Keep enough balance for the threshold charge, or the account pauses mid-campaign.
13. Can I use it at a shop, a Bankomat or on public transport? It is built for online payments. The card has no chip and no PIN of its own, so it does not work at an ATM. Where a mobile wallet accepts it, in-store payments run through the wallet — our Google Pay guide covers what is possible today.
14. Can I use it for rent, salary or my energy bill? No. Those move by SEPA direct debit or bank transfer and need an IBAN. A card cannot stand in for an account. If you have no account, ask your bank about a Basiskonto.
15. What is a Basiskonto and can I get one? It is a basic Austrian payment account that banks must offer. Every consumer has had a legal right to one since 18 September 2016, including people lawfully resident in the EU with no fixed address. It is capped at €83.45 a year, or €40 for vulnerable consumers, and includes a debit card and online payments.
16. Is a virtual card cheaper than N26, Revolut, bunq or Wise? No, and we will not pretend otherwise. All four give virtual cards free on their entry plans. Our card is for people those apps will not take, or for people who want cards with no link to their main account.
17. What happened to Maestro in Austria? Mastercard stopped issuing new Maestro cards in Europe on 1 July 2023. Austrian banks moved to Debit Mastercard and Visa Debit from 2019 onward. The new 16-digit numbers work in online checkouts, which the old Maestro numbers often did not.
18. What can this card not do? It cannot lend you money, build an Austrian credit record, give you an IBAN or work at an ATM. It will not get you past a merchant that only accepts EU-issued cards. Check both lists above before you buy.