The most important advantage of virtual cards is their versatility. With the help of such a card, it becomes possible to pay for purchases in online stores in any country in the world.

Another positive aspect is the convenience of receiving it without having to visit a bank branch. This operation can be carried out using mobile phone, Internet or ATM. Receiving card details is almost instantaneous.

Safety in use is also very important to customers. Virtual cards eliminate the possibility of various types of fraud associated with the transfer of details. You can order such a card with any amount of money on it, which can be spent by making just one payment. It is almost impossible to steal money from such a card.

Minuses

Negative aspects of using virtual cards include the inability to use them to make payments at ordinary ATMs and stores, some restrictions on use that the bank sets, namely: a fixed payment limit and a short card validity period.

According to some articles (28 part 2 and 12 part 2) of the Law of the Russian Federation No. 173-FZ, by opening an account in foreign bank, you are obliged to open a similar account in the domestic one and notify about it tax office. In other words, there is a linking of accounts, which in some sense limits commercial activities on the Internet. In this regard, the question arises of how to work, firstly, legally (without breaking the law), and secondly, to work confidentially, because sometimes this is necessary.

The solution lies on the surface - a card from a foreign bank.

What it is?

This is a card that is issued by one of the foreign banks, it is anonymous and is not linked to an account. That is, in fact, the account is not opened. It is best to obtain a foreign bank card by being a member of a certain payment association. This is because verification is mandatory for the Association. However, most payment systems ensure confidentiality - the main thing is to choose the right partner.

ePayments still has a reasonable offer. Association – safe and reliable way receive a card, carry out transactions with electronic currency. In this case, all provisions are regulated in accordance with international standards and British legislation, and most importantly, do not contradict the legislation of the Russian Federation, which means they are absolutely permissible and legal.

Open card in foreign banks does not mean an open account!!!

Summarizing all of the above, we draw a logical conclusion - a card in a foreign bank is an absolutely accessible and legal method of financial transactions that allows you to maintain confidentiality, and therefore be safe.

SwitchVPN client - simplicity and minimalism

Something to keep in mind: the difference in speed between cheap and expensive services can be as much as twofold, so the best approach would be to try several and choose the best one. This is not so difficult to do - everyone offers a money-back service if the client is not satisfied with something.

The setup process itself is extremely simple - all three providers provide either detailed instructions, where to click and what to write, or a program that will configure, disable and connect the VPN itself.

The user only needs to select a server that will provide the highest connection speed. With HideMyAss this is done inside the program, with StrongVPN - on the website, and with SwitchVPN - by hand, by searching through servers from the list. To independently check the quality of your connection, you can use the usual www.speedtest.net, or you can http://cloudharmony.com/speedtest - an excellent site that checks the speed of connections to cloud storage and content delivery networks, where the main data sets are actually stored. In general, it provides much more indicative figures than the abstract connection speed with someone unknown.

Also, all things being equal, it is worth choosing a server that is located as close as possible to home - for residents of the central part of Russia this will be New York or Washington. Servers located on the Pacific coast are much slower for us, but the situation is reversed if you live in Vladivostok.

The connection protocol is most often not important, but in my case the connection via the L2TP protocol worked faster than via PP2P. Again, no one forbids setting up both options and checking which one will work faster with your provider. If you wish and have a fairly modern router, a VPN can be configured directly on it - and then the entire home network will have an American IP. VPN can also be easily and effortlessly configured on smartphones and tablets, and using special programs you can freely watch Netflix or listen to Pandora radio from anywhere. The main thing is that the connection speed is sufficient.

How to get an American payment card

The second echelon of protection from Americans from non-Americans is the country of issue payment card. When you try to pay with a credit card issued in Russia, a message will pop up that the payment cannot be completed.

This problem can be solved by purchasing an American virtual card from EntroPay (www.entropay.com). Virtual bank cards They are also common in Russia - they are used for secure payments on the Internet. In our case, we need the American one. From the point of view of electronic payments, this card is practically no different from any other, real one - the same numbers, expiration dates and security codes. The only difference is that it does not have the so-called. “Billing Address”, so it will not be accepted where it is required - that is, for example, in the iTunes or Amazon VoD stores, and it is not a credit card - i.e. in their terminology it is a Debit Card. Let me warn you right away: the American system for verifying payments from plastic cards sometimes behaves unpredictably, so there is no 100% guarantee that the card will work in all stores.

Virtual debit card-nothing more than a product of development modern technologies. The growing popularity of such a new product accordingly increases the demand for such an offer. The article will discuss the most accessible and profitable virtual cards, as well as the conditions and procedure for issuing them.*

Offer 1. Card without physical media from Sberbank of Russia

Customers are offered attractive service conditions, security and protection of online purchases made using the card. For a year of servicing a virtual account, the bank will charge only 60 rubles. Also, for the convenience of holders, it is possible to link the card to existing ones.

The capabilities of this Sberbank product are as follows:

• supports payment system Visa or MasterCard (customer's choice);
• opens only in Russian rubles;
• valid for three years;
• allows you to pay for goods and services online;
• available for management using mobile and Internet banking.

It is impossible to install from the map credit limit, and also arrange for her to receive wages.

To issue a card, you must meet the following requirements:

• be a client of Sberbank;
• conclude a special service agreement with the bank;
• have at least one valid debit card issued by Sberbank;
• be serviced within the framework of the Sberbank Online and Mobile Bank services.

If all the above points are met, the client just needs to call the bank’s special helpline number and order the operator to issue a virtual card. In this case, the bank employee will definitely request the details of a valid debit card. Therefore, when making a call, you must have the latter with you, or remember its details. After confirming all the client’s data and there are no other obstacles to opening an account, the card is issued. A corresponding notification and code will be sent to the subscriber’s phone. The card number and expiration date are available in " Personal account» Internet banking.

Upon expiration of the card, it is reissued by the bank automatically. In this case, only the validity period changes and an SMS with a new security code is sent to the phone. If the last notification has not arrived and the card has expired, you need to contact support.

Replenishment of the card is carried out non-cash using the Sberbank Online service and self-service payment terminals. In the latter case, only the “transfer from card to card” option is available.

Proposal 2. WebCard from Gazprombank

As in the previous case, this offer is issued to work only in one of the payment systems: Visa or MasterCard. A special feature of this virtual card is that it can be issued as a main and/or additional account. That is mandatory condition There is no regular debit card available here.

To issue a WebCard you must:

• contact a Gazprombank branch;
• inform the operator of your intentions;
• fill out the application and provide identification.

After signing the opening agreement bank account The client will be given card details directly at the branch. After this, the service of paying for purchases on the Internet becomes available.

The following tariffs are set for card servicing:

• issue and renewal of a virtual account – 85 rubles. in year;
• payment for purchases and card replenishment – ​​0%;
• provision of an account certificate – 50 rubles.

The advantage of the bank is a wide range of methods for replenishing WebCard:

• depositing cash through a bank teller;
• processing a transfer from card to card using ATMs, payment terminals and online banking;
• use in the case when a regular account is attached to the main virtual account MasterCard Unembossed.

Offer 3. MasterCard Virtual from Alfa-Bank

This offer is valid only as an additional offer. Therefore, the product is available only to existing bank clients who already have at least one card. If it is not a bank client who applies for an account, then he will be offered to first arrange a certain package of services and only then will he be given permission to issue a card.

Alfa-Bank's advantageous offer is that it does not charge fees for annual maintenance virtual account. The only thing the client will have to pay for is to issue the card. The amount of such a one-time contribution is 49 rubles.

In addition, the advantage of Alfa-Bank is that it allows you to issue a card online. To carry out this procedure, it is enough to have access to Internet banking and use it to open a virtual account.

Tariffs for card transactions depend on the package of services chosen by the client. This issue is determined individually, depending on the wishes of the holder.

Offer 4. MasterCard “Internet card” from Uralsib Bank

The institution gives its clients the opportunity to open a virtual account in one of three currencies:

• Russian rubles;
• U.S. dollars;
• Euro.

The cost of the registration procedure is 100 rubles. And you will have to pay the same amount for 12 months of card maintenance. You can pay for services online for three years.

The procedure for obtaining a virtual card is no different from general order. A client with a passport approaches a bank office and declares his intentions. Based on this, the manager issues an application for a card and carries out its execution.

The Internet Card product provides the following capabilities:

• payment for subscriptions, information services, goods and other payments on the network;
• managing funds using Internet banking;
• participation in the loyalty program Uralsib Bank.

There are also two restrictions on the card:

Proposal 5. Virtual card from Rosselkhozbank

The capabilities of the offered product are standard. The whole point is to pay for goods/services via the Internet without a physical medium. The specificity of the card is that it has a limit on making expense transactions, which depends on tariff plan client and is installed for the entire validity period of the “plastic”. Get virtual card can be done in many ways:

• at an ATM or terminal;
• by contacting a bank office;

The validity of the card is limited to the period for which it was issued and one additional month. This was done so that bank clients could issue new map and use the old one at the same time. After the end date for using the account, it is closed by the bank automatically. A card is issued only for an already opened account.

Offer 6. VirtuCard from Russian Standard Bank

The card is issued only in national currency Russian Federation, for a period of 3-6 months. Product release is carried out in three ways:

• through the institution's website by filling out a special form;
• using Internet banking;
• through the use of a mobile phone.

For issuing a virtual account, the client is charged a commission, the amount of which depends on the method of registration. For example, an online application on the bank’s website guarantees free account opening. It is also possible to order a card number convenient for the client. This service will cost 100 rubles.

Installed via VirtuCard additional privileges. Their essence is that holders receive certain discounts on purchases in stores, and also have the opportunity to save on purchasing air tickets.

Proposal 7. 3D-Secure technology from VTB24

This option is not a virtual card. But it is suitable for online shopping. The bottom line is that VTB24 does not issue virtual cards for clients. The institution only helps to protect the “plastic” of customers when paying via the Internet. This technology provides for the entry of a special account for any debit of funds. The bank sends such a one-time code every time before receiving a withdrawal application.

The described system is not something new. It is also used by other financial institutions. But it is useful for VTB24 clients to know how the bank takes care of their security.

You can activate the service at any ATM of the organization by indicating a special option. The possibility of obtaining the service through a visit to a bank office is also not excluded.

Proposal 8. Two virtual cards from Promsvyazbank

The institution has prepared personalized and prepaid cards for clients.

The first product, called MasterCard Virtual, has the following advantages:

• connected to the bank's bonus program;
• provided with additional protection when making purchases;
• available for replenishment in any convenient way;
• it is possible to block immediately after making a purchase;
• valid for two years.

The procedure for obtaining a personalized Internet card does not present any difficulties:

• the client leaves a request at a branch or via online banking;
• within five days he is informed about the release of the virtual product.

You can only pick up the card at the bank office. Clients can open several such accounts at the same time. Issue is carried out in one of three currencies: rubles, dollars or euros.

The good thing about a virtual prepaid Visa card is that it can be issued instantly and remotely. The product also has other features:

• The cost of the card can be paid via the Internet from the account of any financial institution;
• SMS information services are activated free of charge;
• a certain limit is set for each type of purchase;
• replenishment is carried out through Internet banking;
• The account is valid for three months.

You can pay for the card in the PSB-Retail Internet bank in the “My Bank/Cards” section.

Offer 9. Virtual card from MTS Bank

The product is attractive because it can be used to pay for a huge range of services and goods. In addition to online stores, the card can be used when issuing air and train tickets, ordering paid services V in social networks or mobile applications, paying off traffic police fines and even paying utilities.

The account is opened only in rubles through. The maximum card limit is 100 thousand rubles, and the latter is valid for six months. There is no limit on the use of funds per month.

When making purchases in foreign and Russian online stores, a virtual card, which does not have a physical medium, is no different from any other bank card. The money from it goes to the seller’s account, but he does not have the details of your personal credit card.

Top up your virtual card to the required amount can be done immediately before purchase or later through a bank or account plastic card. Its release takes a few minutes. There is no need to personally visit the issuing bank.

Introducing best virtual bank cards, with which many RuNet users pay every day.

For bank clients there is no commission for issuing a card with a limit of 100 to 100 thousand rubles and a validity period of 6 months. For users Webmoney systems the commission for issuing a card with a limit of 100 to 15 thousand rubles and valid for 3 months is 1.5%. On the bank’s website you can leave an application for the issue of a card valid for 3 months, with a limit of 100 to 15 thousand rubles. Its release will cost 2% of the replenishment amount, from 25 rubles and above.

This virtual card can be opened through the Alfa-Click service. Users who are not clients of Alfa-Bank can order a card after purchasing one of the service packages. The issue fee is 49 rubles. Before issuance, the cardholder sets a limit beyond which they cannot spend. Valid until the end of the current month.

The rating of virtual bank cards includes two cards from largest bank RF. Their annual maintenance will cost 60 rubles. For release virtual Visa or MasterCard you need to own a valid Sberbank debit card and have access to the Sberbank Online and Mobile Bank services. Cards are valid for 3 years and daily limit for the operation is 300 thousand rubles. There is no commission for issue, but it is possible to link cards to electronic wallets. There is also a drawback: only clients from Moscow can order these cards.

The card is issued free of charge and is valid for 1 year. The condition for issue is that the account is linked to a phone number. Anonymous users cannot pay with a card in foreign online stores, and the limits for them are 15 thousand rubles at a time and 40 thousand per month. Owners of personalized wallets can spend 60 thousand rubles at a time and 200 thousand per month. And the owners of identified ones - 250 thousand rubles at a time and 6 million per month.

The convenience and reliability of paying for services on the Internet is what makes virtual bank cards attractive. The ranking of the best of them is headed by two Visa cards, which can be released on the website of the largest Russian system instant payments. The first (Qiwi Visa Virtual) is valid for 2 months and has a separate account. One wallet can have several cards. The minimum denomination of Qiwi Visa Virtual is 300 rubles or $10, and the maximum is 30 thousand rubles or $1000 for the entire validity period of the card. For issuance, a commission of 2.5% (25 rubles and above) or $1 is charged if the client orders a card in US dollars.

The second card (Qiwi Visa Card) is linked to the Qiwi wallet account. One Qiwi Visa Card can be active on one wallet. Its registration and maintenance are free, and the validity period is 2 years. The limit for payments in rubles is 600 thousand, and in dollars - 1000.