6 Best Website to Create Free Virtual Debit Card (Free VCC) 2021

Why Do You Sign a Credit Card?

Many people believe that signing the back of a credit card is a security design meant to protect you from fraud and identity theft. This would seem counterproductive to some, wouldn’t having your signature be visible to the world make it more likely to be forged?

The truth is, the signature requirement is designed to protect the credit card companies. Your signature indicates that you accept their terms of service and doesn’t do anything to make your transaction more secure.

As more and more checkout lanes allow you to swipe your own card, there is less and less interaction between the merchant and the card. That means that there’s an even slimmer chance of the merchant noticing that your card isn’t signed, suggesting that it might not even seem necessary.


Can the bank find out who used my debit card?

If your card was fraudulently used, the bank may be able to find out who used it. It all depends on how the card was used and if any identifiers were left behind. For example, an ATM or retail store may have a security camera to capture the person's image. Or, if the card was used online, an IP or shipping address may help to find out who used it.

What Is the Difference Between a Debit Card and a Credit Card, ATM Card and Prepaid Card?

To give you a better understanding of how a debit card functions, here’s how it compares with other types of cards.

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Debit Cards vs. Credit Cards

Debit cards and credit cards differ in several ways:

  • Whereas you access your own money with debit cards, credit cards are funded by credit card companies, and you pay them back for the amount you charge — plus interest, when applicable
  • Credit cards are more secure because they are not directly attached to a bank account.
  • Credit cards usually offer more rewards for purchases.
  • You can incur interest charges with credit cards, but not with debit cards.
  • Whereas debit and credit cards both have payment processing network logos, your debit card has the word “debit” somewhere on the face of the card to help you differentiate between it a credit card.

Debit Cards vs. ATM Cards

Although the terms are sometimes used interchangeably, debit cards and ATM cards aren’t necessarily the same thing:

  • ATM cards can only be used at kiosks and merchants within your ATM network. You can find your ATM network on the back of your ATM card.
  • Debit cards have a payment processing network logo such as Mastercard or Visa on the face, and they can be used at any kiosk or merchant that accepts payments from that network.

Debit Cards vs. Prepaid Debit Cards

Traditional debit cards are also like prepaid debit cards because in both cases, funding is dependent on your actual money, not borrowed funds. Here are the biggest differences:

  • A debit card is linked directly to your bank account, and a prepaid card retrieves the money you loaded onto your prepaid debit card.
  • Depending on the account preferences you established with your bank, it might be possible to overdraw your account using your debit card. The few prepaid cards that allow overdrafts, which providers might refer to as “purchase cushions,” generally allow you to go over by just $10, and only if you receive qualifying direct deposits to the account.
  • Because a prepaid debit card is not directly linked to your bank account, it is less vulnerable to fraudulent charges.
  • Most debit cards can be added to digital wallets. Depending on the prepaid debit card issuer, it might not be possible to add the card to your digital wallets.

Link to your PayPal

For quick and secure payments, add your Monese card to your PayPal wallet instantly. Make Monese your primary card for even faster checkouts online.

Crypto cards making crypto your norm

Enter crypto debit cards.

Simply put, crypto debit cards seek to address the mismatch between the blockchain based crypto ecosystem where your crypto value exists and the fiat-based payment infrastructure that serves our day-to-day needs. But before we get into how crypto cards work, let’s get back to basics. 

Why do we use debit cards anyway?

Having a debit card is something so fundamental, you’d be forgiven for never actually asking why we need one. 

A regular debit card connects your checking account with a global payment network that enables you to transfer funds instantly to more or less any commercial platform. The card’s utility has two main elements:

  1. That it connects the money in your account to an electronic payment network so that it can be moved around easily without you needing to make transfers.
  2. That network is globally accepted, meaning you can rely on your card as a means of paying for goods, anytime and anywhere.

In short, your debit card allows you to keep your saved money securely in your bank account – while giving you the complete and utter freedom of spending it at any moment.

What about crypto cards?

Crypto debit cards have much the same function as regular debit cards, only instead of being linked with your bank account on a centralized platform, their source of funds is your own, personal crypto wallet. By linking your crypto to a global payment network, a crypto card allows you to spend your coins and tokens with the same ease – and certainty – as the money in your bank account.

But didn’t you say it was hard to pay for things in crypto?

It was, yes – but that’s where crypto debit cards really make a difference. As well as linking your funds to a payment infrastructure, crypto cards also manage the conversion of your crypto into fiat at the moment of purchase. When you buy something, the equivalent amount of crypto is taken from your wallet, converted into fiat and sent to the retailer in seconds.

So no more checking if you can pay in crypto, no more cumbersome off-ramping to make purchases and no more uncertainty – for the first time, crypto cards mean your coins and tokens can be relied upon for your day to day life.

Protecting Yourself from Credit Card Fraud

In addition to taking the necessary steps to make sure your card is valid, you should be proactive against possible credit card fraud. Here are some of the most important tips to keep in mind.

  • Never let other people use your credit card
  • Only carry the cards that you need
  • Stay paperless
  • Monitor your spending

Debit Card Expiration Dates

On our contactless debit cards, the expiration can be found on the back of the card. This appears next to the words “Valid Thru” and is a two digit month followed by two digit year. You’ll get a new debit card in the mail from us before your card expires.

Use a Debit Card Online

If you’re paying for something online, you can typically use your debit card just like a credit card. You don’t need to specify that you want to use a debit card (just select the “pay with credit card” option). Start by indicating the type of card you have—Visa or MasterCard, for example. Then, type in the 16-digit number on the front of your debit card. You usually also have to enter the expiration date, which you can find after the words “good through” or “valid through.”

You may also need to provide a CCD, CVV, or similar security code. Those three- or four-digit codes help to prove that you are authorized to use the card. Those codes can be found on the back of most cards toward the far right (often printed on the card in black ink after your card number). On American Express cards, the code is on the front of the card (again, in black ink on the far right).

To use a debit card online, you often need to know the billing address linked to that card. With most debit cards, this is your home address. However, you may have difficulty using prepaid debit cards if you do not know which address to use.

If you plan to make payments online, be sure that your computer will keep thieves from stealing your card information. Keep your security software up to date, and only use your card on sites that you trust. Verify that your card information goes through a secure connection when shopping online (look for the lock icon and any messages on your browser).

Best Prepaid Debit Cards For International Use

Wise Multi-Currency Debit Card

Wise is an online neo-bank that offers a massive range of services. For those based in the US, UK, Australia, New Zealand, or Europe, Wise is a fantastic option. You can open a free Wise Multi-Currency Account online, and get a Wise debit card. You will be able to hold over 40 currencies in your account. Additionally, you will get local bank details for major currencies like US, New Zealand, Australian and Canadian dollars, British Pounds, and Euros. With these accounts, you’ll be able to receive payment from these regions for free. 

You can also convert currencies easily using the mid-market exchange rate and for a low fee that you see upfront. You can spend any currency you hold on your card for free, and withdraw up to $250 (or it’s equivalent in other currency) monthly for free. After that limit, there’s a small ATM fee. Check out our in-depth review on Wise Multi-Currency Account.

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About the Author

Daria Uhlig is a personal finance, real estate and travel writer and editor with over 25 years of editorial experience. Her work has been featured on The Motley Fool, MSN, AOL, Yahoo! Finance, CNBC and USA Today. Daria studied journalism at the County College of Morris and earned a degree in communications at Centenary University, both in New Jersey.

Your Contactless Debit Card

Contactless payments use short-range wireless technology to quickly complete payments between a contactless-enabled card or payment-enabled device and a contactless-enabled checkout terminal. A contactless Mastercard® is a chip card that has a near field communication (NFC) antenna, which enables close-range payments. You can learn more about how contactless technology protects you during every transaction.

How Does a Prepaid Card Work?

Basically, you will pick up your prepaid card before you leave home, and you can top them in dollars online. Then, you will be able to select the currency you need when you are abroad and easily switch your balance. This means that you will know exactly how much you have in foreign currency.

There are also some cards that don’t exchange your dollars before your trip but do it if and when you use it for spending. These are closer to using a regular debit card. However, you won’t be able to see the exchange rates until after the transaction.

One awesome bonus security feature of a prepaid debit card is that it’s not linked to any of your other accounts. This means that in the case of fraud or theft, whoever stole your card won’t be able to access your normal bank balance. This is a huge relief wherever you are in the world.

Prepaid debit card FAQs

Got a question about using a prepaid debit card? You could find the answer you’re looking for below. If not, we have more FAQs and a multilingual Support team who are always happy to help.