How to have a free virtual bank card

There Virtual CB generated has:

Blue e-card and virtual cards: operation, comparison

In 2021, online sales exceeded 129.1 billion euros, and they have continued to increase since. So to secure your transactions remotely, banks provide a new service: blue e-card, also called virtual card. Zoom on the operation of the virtual and comparative card of the offers of the moment !

�� The blue e-card virtual card service: what is it ?

THE virtual card service, also called blue e-card is a banking offer whose objective is to secure your purchases on the Internet and limit bank fraud. Indeed, this device creates a new number of bank card to enter during your payments on the Internet. This issue is ephemeral, it allows you to create a temporary bank card To avoid enter your real bank card number. In summary, the blue e-card is a single -use virtual bank card.

To generate your e Carte Bleue, you have to :

1. Subscribe to this service in your bank;
2. have an internet connection;
3. Connect to your account on the mobile application or to your computer.

In addition to offering you a ephemeral card, Some banks provide a blue e-card service Complete with delivery insurance. Your remote purchases are doubly secure with a warranty that covers deliveries problems: non -compliant, defective delivery, etc. Ephemeral cards are generally linked to a virtual wallet and are thus similar to prepaid bank cards.

THE Blue e-card generally have the same conditions: Immediate or delayed flow, and the same insurance as your Bank card.

�� What banks offer the blue e-card service for free ?

If some banks have not yet taken the plunge, others offer to Create a virtual bank card for free. But beware, all the offers of e Carte Bleue are not equal because some banks offer it by condition.

Traditional banks generally offer a paid virtual card service, but the LCL and the Mutual credit stand out with their free blue e-card ! However, LCL only offers this service if your physical bank card is being renewed, or when you have to Opposition on your credit card. Société Générale also offers a free SG Carte Bleue but only for holders of an Infinite Visa card.

�� How to use your blue e-card ?

To use a blue e-card, You must first subscribe to the service with your bank, then activate it. If the service of virtual bank card is included in your banking offer, just activate it.

Once the blue e-card service Activated, you will receive an identifier and a password to connect to the software blue e-card From your computer, or on your bank’s website.

�� Good to know: when connecting to the generation interface of the e Carte Bleue, You can be redirected to the system of3D-Secure authentication of your bank to check your identity.

The steps to use your blue e-card are the following :

1. Connect to the software or the connection interface of your bank;
2. Enter the total amount of the purchase you want to make;
3. Choose the motto;
4. Change the validity date;
5. Copy then glue the information from the ephemeral virtual card on the shopping site.

There Virtual CB generated has:

• a single card number;
• a validity date;
• A unique visual cryptogram.

It can only be used once, and cannot be used on another site.

⭐ Ephemeral virtual cards of neobanques

Neobanques have the particularity of offering a fully dematerialized banking offer, however, they do not all offer the blue e-card service. If your bank does not offer the virtual card, it may be the time to change bank ! Find out at what price are available virtual neobanc cards.

• Standard: free;
• More: € 2.99 / month;
• Premium: € 7.99 / month;
• Metal: € 13.99 / month.

• N26 SMART: € 4.90 / month;
• N26 You: € 9.90 / month;
• N26 Metal: € 16.90 / month.

Learn more

• Hello Prime virtual card: € 60 per year
• Option Visa Hello Prime: € 5 per month
• Visa HELLO DUO VISA CARD OFFER: € 8 per month

• Accessible by income condition from € 1,000 net per month;
• valid 3 years.

Lydia is positioned as one of the best offers on the market with its double system of virtual card : permanent or ephemeral. The application can be used for free, without even having a physical bank card. Just download the application and create an account in just a few minutes to enjoy the Free blue e-card service !

Another option is to use the Paypal virtual bank card. Paypal guarantees the preservation of your bank data for your online purchases by managing the transfer of money. The major drawback is that this payment method is not available on all websites !

��‍♀️ FAQ:

�� – How to get a virtual bank card ?

To create a virtual bank card, You must contact a banking establishment which offers this service, for example: Revolut, Lydia, Fortuneo or N26.

�� – Can we use the Bleue Carte Service with a MasterCard ?

Yes, it is possible to use the service e Carte Bleue with a MasterCard and generate a temporary card.

✅ – What are the advantages and disadvantages of the blue e -card ?

The advantage of a blue e-card is to secure your bank transactions and in particular for your online purchases. There temporary bank card has the same ceilings and guarantees as your credit card. But, the major disadvantage of the virtual card is that it cannot be used for big purchases such as plane tickets or car rental. Indeed, you must be able to present your bank card during this type of purchase. You cannot make payments in several times with a ephemeral card, Because numbers have a limited lifespan.

�� The offers of the moment ��

up to 120 € offered

€ 100 offered with the BRS100 code

€ 230 offered with the FTN0923 code

An advisor to your service

From Monday to Friday from 7 a.m. to 9 p.m., Saturday 8:30 a.m. to 6.30 p.m. and Sunday from 9 a.m. to 5 p.m.

How to have a free virtual bank card ?

You need a virtual bank card to make your purchases quickly ? This is the ideal means of payment to secure all your internet purchases, offered by many banks, online banks and neobancs.

But what, precisely, a virtual bank card ? What advantages do they offer in relation to physical cards ? How to get a virtual bank card and how to use it ? Lydia tells you everything about these ephemeral payment cards.

• What is a virtual bank card ?
• What are the advantages of a blue e-card compared to conventional bank cards ?
• How to create and use a virtual bank card ?
• What banks offer virtual cards ?
• Lydia virtual payment card

What is a virtual bank card ?

A virtual bank card is an electronic bank card used to make purchases on the Internet more securely than with a conventional bank card. Unlike a Visa or MasterCard physical payment card, the virtual card is dematerialized. It is therefore not found at the bottom of a portfolio but via the mobile application of its bank.

However, like a physical bank card, it has:

a card number made up of 16 digits;

The virtual bank card is most often a temporary card, a bit like a disposable physical bank card after use. Its numbers are generated randomly by the banking app, it is used to make an online purchase and once the payment made, the virtual card “self -destruct”.

But there are also virtual payment cards that can be used to make several purchases or even to set up monthly samples subscriptions. In this case, the virtual card is automatically destroyed after a period fixed by the customer or when the latter decides.

Be careful not to confuse virtual payment card and mobile payment without contact – as with Paypal, for example. The payment e-card is a different card from your bank card, with its own card numbers, validity date and CVC while the bank card which appears on the phone during a contactless mobile payment is only An electronic representation of your main bank card.

It is nevertheless possible, in some cases, to create a virtual card and then use it via mobile payment without contact with Apple Pay, Google Pay and Samsung Pay.

What are the advantages of a blue e-card compared to conventional bank cards ?

The main advantage of the virtual payment card compared to a conventional bank card is that it limits à la carte fraud during an online purchase. Online payment is very practical but it has three major risks:

Indeed, when you make an online payment via your physical bank card, your sensitive information (card numbers, expiration date etc.) are likely to be intercepted by malicious third parties.

The virtual card has different numbers of your main card and it is self -destruct (if you wish) immediately after purchase. Thus, if fraudsters intercept the number of the virtual card during an online payment, they will be able to do anything.

How to create and use a virtual bank card ?

It is first necessary that your bank authorizes this functionality via its mobile application or its website and join if necessary its program to benefit from this service. Then it’s very simple, just:

Click on the adequate button to create a card;

The continuation of figures corresponding to the numbers of the virtual payment card is immediately generated. You just have to copy – or better copy/paste – the numbers, the validity date and the CVV in the corresponding fields of the site payment form. The bank account linked to the virtual card is then debited under the same conditions as if you had paid with your physical bank card.

What banks offer virtual cards ?

Virtual card service	Price
LCL	✅	Free
Fortuneo	✅	Free
N26	✅	Free
Revolut	✅	Free
Mutual credit	✅	Free
Societe Generale	✅	12 € / year
Popular bank	✅	€ 12.50 / year
Caisse d’Epargne	✅	Price according to agencies
Bforbank	❌	/
BNP Paribas	❌	/
Agricultural credit	❌	/