Revolut virtual card in the Czech Republic – What is it, how does it work, and how to get it?

Paying online, contactless, and with digital wallets is pretty much an everyday thing. So-called virtual cards, offered by most modern banks, are becoming increasingly popular. They function like regular payment cards, but without any physical form. This makes payments safer and easier. This article focuses on the Revolut virtual card in the Czech Republic. Let's take a closer look.

We will also present the Wise card, a multicurrency debit card that allows you to spend in +40 currencies, always converting your money at the mid-market exchange rate without mark-ups.

Learn more about
the Wise card 💳

Revolut virtual card – what is it?

A Revolut virtual card is a payment card that has no physical form, only a digital one. Therefore, you can only use it for online purchases, or contactless payments: directly in stores using digital wallets like Apple Pay and Google Pay.

What is it good for?

• Paying with a virtual card is safer because it has different card details than your physical card.
• You can better control your expenses with a virtual card. Since you can create and delete it at any time, it's suitable for specific, or even temporary, purposes. This gives you a better overview of your spending.

☝️ A virtual card is different from an electronic card, which is a digital version of your physical card. Virtual cards are issued purely digitally and have never been – and cannot be – delivered to you physically.

How the Revolut virtual card works

You can use your virtual card immediately after creating it, and you can also delete it at any time. Just like a regular card, it has its own 16-digit number, expiry date, and CVC code. You can use it to pay online and in stores via Apple Pay or Google Pay.¹

In the Czech Republic, Revolut offers two types of virtual cards: a multi-use card and a disposable card.² The first type essentially functions like a regular payment card, as it has permanent details until you cancel it. Therefore, you can easily use it for recurring payments or frequent purchases from a single merchant.

In contrast, a disposable virtual card generates its details only for a specific transaction. After the payment is made, the details are immediately deleted, and new ones are generated for the next payment. This ensures an extra layer of security.

How to get a Revolut virtual card

You can create a card for free in just a few seconds directly within the Revolut app. The exact steps are as follows³:

1. Go to the "Home" section.
2. Tap the card icon (top right).
3. Select "Add new."
4. Choose one of the options: "Debit," "Shared," or "Pro."
5. Select "Virtual" and choose a color.
6. Complete the order.

How to pay with a Revolut virtual card

Online

If you're paying for goods or services online and don't want to share your physical card details, enter the details of your digital card. This includes the 16-digit number, expiry date, and CVC code. You can view these details in the app under the "Cards" section by selecting "View details."⁴

In stores

You can add your virtual card to a digital wallet like Apple Pay or Google Pay and pay with it from your device in a store. It's a standard contactless payment – all you need is for the business to have a payment terminal.

Revolut virtual card – ATM withdrawals

If you want to withdraw cash from your Revolut account, a virtual card won't help you. It's designed only for online and contactless payments. Unfortunately, you cannot withdraw cash from an ATM with it.¹ This rule applies to both multi-use and disposable cards.

Can I pay with a virtual card abroad?

Of course. You can pay with a virtual card anywhere, just like a regular card. Revolut is particularly well-suited for international payments because it allows you to hold funds in 38 currencies⁵. For exchanges between them, it offers a better rate than standard banks. Most banks typically add a 2–4% markup to the mid-market rate.

While Revolut doesn't use the exact mid-market rate, it comes close. For example, compare the cost of 200 EUR with cards from Česká spořitelna, Moneta, Revolut, and Wise, which uses the mid-market rate.

✈️ Are you already abroad, but would like to avoid extra fees and pay at the mid-market rate? You don't have to wait for the Wise card to arrive in the mail. Just order it and the virtual card is ready to be activated in your wallet.

The advantageous Wise virtual card – 40+ currencies and mid-market rate

With a Wise multi-currency account, you get 3 virtual cards that you can use to pay in 40+ currencies – both online and while traveling. If you don't have the specific currency on your card, Wise will convert your payment at the mid-market rate. This means you always get the best possible rate on the market. This also applies to the Wise physical card.

Open your Wise account for free, quickly and easily. All you'll need is your ID and a mobile device – there's no need to visit a bank office.

With the Wise Account you can:

• Hold 40+ currencies and convert between them at the mid-market rate. We will show our conversion fees upfront
• Get local account details in up to 9 currencies, including EUR, GBP, and USD
• Receive balance cashback on EUR, GBP and USD held in your account
• Order a Wise debit card which you can use with our Smart Conversion technology
• Set up Auto Conversions based on your desired rate in the Wise app or use our Wise Rate Tracker to request exchange rate notifications directly to your email
• Create Wise virtual cards, and save on online shopping
• Get instant notifications of all your transactions via the Wise app. If you lose your card, you can easily cancel it in the app to keep your money safe

Open your Wise account
for free 🚀

How many Revolut virtual cards can I have?

You can link up to 20 active virtual cards to your Revolut account, with a maximum of 4 cards created within a 30-day period.⁹ For disposable cards, you can only have one at a time.

And how much does a Revolut virtual card cost? Nothing. You can create one for free.¹⁰

How to get money onto a Revolut virtual card?

You don't need to do anything other than have funds in your Revolut account. The virtual card is directly linked to your account, just like a regular payment card. So, when paying online, simply enter and possibly save its details, or "pull it up" from your digital wallet – this applies to payments at a merchant's terminal too. You can then view the transactions you've made with the virtual card in the app.

A few tips for using a virtual card

Here are some specific examples of when a virtual card is useful:

1. All online payments. A virtual card provides an extra layer of security because it doesn't reveal your actual card details. For online purchases, you can even use a disposable virtual card, since its details only exist for one specific transaction.
2. Separating personal and business expenses. You can use one of your virtual cards exclusively for business expenses, allowing you to better manage your personal finances.
3. Expenses for specific purposes. You can set up a virtual card dedicated to specific purchases to have perfect control over how much you've spent on that particular item – for example, for home furnishings, fuel, Christmas gifts, and so on.
4. Managing recurring payments and subscriptions. You can link your virtual card to services you subscribe to without worrying about the security of your actual card details.

Now you know how and why to use a virtual card. Getting one is a breeze: just a few clicks in the app, and you're ready to start paying. If you want the fairest rate for international payments, opt for a Wise virtual card.

Save with Wise 💰

Sources:

Sources checked on March 2, 2026.