Every Monicard virtual card is a unique 16-digit number tied to your account, not your real bank card. Merchants see what you allow. Nothing more.
A new 16-digit card number, CVV, and expiry ready in under 3 seconds. No waiting, no approval queue.
Lock each card to a fixed budget, by transaction, by day, or by month. Overage is auto-declined.
Freeze a card in one tap. Unfreeze it later or generate a fresh one. Your real details never move.
Track every transaction by card. Category breakdowns, merchant history, and export-ready reports.
Each merchant only ever sees one card number. A breach there affects nothing else in your wallet.
Issued on the card network. Works anywhere cards are accepted, online or in-app.
Name it, limit it, and use it. When the job is done, delete it. Your real details never leave your account, and neither does your peace of mind.
Add money via bank transfer, card top-up, or crypto. Funds settle instantly.
Choose a nickname, set a spend limit, and pick a category. Done in seconds.
Card number, CVV, and expiry populate automatically. Paste and pay.
One-time purchase? Destroy the card after checkout. No residual exposure.
Never let a cancelled trial sneak a charge through. Each service gets its own card with its own budget ceiling.
Book flights and hotels without exposing your primary account. Freeze the card the moment you check out.
Issue unique cards to team members or charge project expenses to client-specific cards automatically.
Every virtual card is fully isolated. A compromise at one merchant cannot cascade to your account or any other card. Your real card number stays invisible — always.
Real stories from people using MoniCard virtual cards every day — for subscriptions, travel, freelance work, and more.
"I set up a separate card for every SaaS tool we use. When we cancel, the card dies. No more zombie subscriptions."
"Booked three hotels across Europe. Each one got its own card. Two were sketchy — the charges bounced on dead cards."
"The merchant isolation is the real killer feature. A breach at one shop can't touch anything else in my account."
"I run paid campaigns across six ad platforms. One card each. Budget overruns stopped the moment I enabled per-card limits."
"Card creation literally takes 3 seconds. I created one for a client project, used it, then deleted it the same day. Clean."
"My team each has their own virtual card with a monthly cap. No more expense reports. No more awkward reimbursements."
"I set up a separate card for every SaaS tool we use. When we cancel, the card dies. No more zombie subscriptions."
"Booked three hotels across Europe. Each one got its own card. Two were sketchy — the charges bounced on dead cards."
"The merchant isolation is the real killer feature. A breach at one shop can't touch anything else in my account."
"I run paid campaigns across six ad platforms. One card each. Budget overruns stopped the moment I enabled per-card limits."
"Card creation literally takes 3 seconds. I created one for a client project, used it, then deleted it the same day. Clean."
"My team each has their own virtual card with a monthly cap. No more expense reports. No more awkward reimbursements."
Everything you need to know about MoniCard virtual cards — how they work, how safe they are, and how to get started.
Yes. Each card issued is a fully functional card number on the Mastercard or Visa network — accepted at any merchant that takes card payments online. They differ only in that the number is unique, virtual, and completely separate from your underlying account.
Simply delete it. The card number is immediately invalidated and any future charges will be declined. Because each card is isolated, a compromise at one merchant has zero impact on your other cards or your real account balance.
Yes — you can set a per-transaction cap, a cumulative total, or a per-billing-cycle limit on any card. Once the limit is reached, the card auto-declines further charges. You can adjust or remove limits at any time.
Card creation takes under 3 seconds. Name the card, optionally set a limit, tap create — and a unique 16-digit number with CVV and expiry is instantly ready to use.
No hard limit. You can create as many virtual cards as you need — one per subscription, per vendor, per project, or per trip. Cards are free to create and free to delete.
Create your first virtual card in under 3 seconds. No credit checks, no waiting, no exposure.
