Getting a virtual credit card in Italy has never been easier. At Cardwisechoice, we give you a VCC that works right away — no waiting, no paperwork. Whether you shop online, pay for subscriptions, or run a business, our Italy virtual credit card keeps your real card details safe.
Our prepaid card Italy users love how simple it is. Load only what you need, so there's no risk of overspending or fraud. The card works with major payment networks, so you can use it almost anywhere online. It's built for shoppers, freelancers, and businesses who want full control over their money. Our virtual credit card is fast, private, and ready to use from anywhere in the world. Get yours today and start paying smarter.
How to Get Your CardWiseChoice Virtual Card Instantly
Step-1. Sign Up in Minutes
Create your CardWiseChoice account online. No paperwork. No long forms. No waiting.
Step-2. Get Your Virtual Card Instantly
Your virtual card is ready right away. No approvals. No delays. Just instant access.
Once issued, your virtual card is active right away. You can see the 16-digit card number, CVV, and expiry date in the app and start paying instantly.
Step-3. Pay Anywhere Right Away
Use your card online for subscriptions, ads, or everyday spending. It works in Italy and beyond.
Available Virtual Card Options You Can Choose From
Best for everyday online payments. This Visa Standard card is a solid option if you want a simple, reloadable card that works across most platforms.
👉 Visa Standard category
👉 Reloadable virtual card
👉 One-time card issue fee: $5 (activation required)
👉 Price: $120 USD
Best for platforms that prefer US-issued cards. This Mastercard is issued under a USA debit BIN, which helps with acceptance on many global platforms and services.
👉 Mastercard virtual card
👉 USA debit BIN 527520
👉 Reloadable
👉 One-time card issue fee: $5 (activation required)
👉 Price: $100 USD
Best for higher spend and US-based merchants. This Visa card is issued in the US and works well for online payments that check card.
👉 Visa virtual card
👉 USA debit BIN 434769
👉 Reloadable
👉 One-time card issue fee: $5 (activation required)
👉 Price: $150 USD
What Is a Virtual Credit Card? (And Why It Matters in Italy)
A virtual credit card is a card that lives on your phone or laptop. We issue a card number, expiry date, and CVV online. There is no plastic card. In Italy, more people shop and pay bills online. A Virtual Credit Card Italy helps you pay fast and keep your main bank card safe.
How a Virtual Credit Card Works
We create a digital card linked to your bank account, prepaid balance, or credit line. You use it for online shopping, travel, ads, and app payments. It also works with Apple Pay and Google Pay for contactless pay. You can choose a single-use card for one payment or a multi-use card for repeat spend.
Virtual Credit Card vs. Virtual Debit Card vs. Prepaid Card — Key Differences
A credit-backed virtual card lets you spend on credit and pay later. A debit-backed card takes funds from your bank at once. A prepaid card holds funds you load in advance, with no bank link needed. In Italy, credit cards suit travel and business costs. Debit cards work for daily spend. Prepaid cards are good for online shopping and streaming.
Best Virtual Credit Cards Available in Italy
If you want a Virtual Credit Card Italy, you need a card that fits your spend style. Some are from banks. Others are from global fintech brands. Below is a clear look at your options.
Italian Bank-Issued Virtual Cards
Fineco Bank Virtual Card: Linked to your Fineco account. Set spend limits. Best for existing clients.
UniCredit Virtual Card: Works with your bank account. Offers spend controls in app.
Intesa Sanpaolo / Isyban: App-based setup with instant use after approval.
Cardwisechoice Virtual Card — What Sets It Apart
We built our card for speed, safety, and control.
✅ Instant in-app issuance. No branch visit.
✅ Zero annual fee.
✅ Google Pay and Samsung Pay ready.
✅ Strong payment security with per-transaction controls.
✅ Rewards on online shopping and eWallet top-up.
✅ Made for both personal and business use.
Who Can Get a Virtual Credit Card in Italy?
Italian Residents
You'll need the basics to get started: Most providers ask for your Codice Fiscale (Italy's tax ID) plus a valid ID or passport. No surprises here — it's the same stuff you'd need to open any account.
Two paths to choose from: You can link a virtual card to your existing Italian bank account, or skip the bank entirely and go with a fintech app like Revolut or Wise. The fintech route is faster and needs less paperwork.
Age matters — but there's a workaround: Credit-based virtual cards require you to be 18+. But if you're younger, some prepaid virtual cards are open to teens with a parent's help.
Non-Residents and Expats in Italy
You don't need an Italian address to get a card: Some providers will issue you a virtual card with just a passport — no Italian residency needed. This is a big deal for expats still settling in.
EU vs. non-EU status changes your options: EU citizens usually have an easier time. Non-EU residents may face more document checks, but it's still doable with the right provider.
Expect some limits early on: Many providers cap how much you can spend or withdraw until you verify your identity fully. Plan around these limits when you first sign up.
Businesses and Freelancers (Partita IVA Holders)
Business cards do more than personal ones: A business virtual card links your spending to your company's books. That makes tax time cleaner and keeps your personal and work money separate.
Freelancers, your expenses can work for you: If you're VAT-registered, using a virtual card for business costs means those purchases may be tax-deductible. Keep clean records and your accountant will thank you.
Teams can each get their own card: Tools like Airwallex, Soldo, and Cardwisechoice let you issue multiple virtual cards to team members — each with its own spending limit. No more sharing one card or chasing receipts.
How to Apply for a Virtual Credit Card in Italy
We keep things simple so you can start fast. No long forms. No branch visits. Just a smooth sign-up and quick access to your virtual card with Cardwisechoice.
Step 1: Create Your Account
Visit our site and sign up with your basic details. The form is short and easy to fill out. We guide you at each step so nothing feels hard.
Step 2: Add Funds
Once your account is ready, add funds to activate your card. You can top up using safe and simple payment methods. Your balance updates right away.
Step 3: Get Your Virtual Card
After funding, your virtual card appears in your account. No plastic card. No waiting. You get your card details instantly.
Step 4: Start Spending with Full Control
Use your card to shop online, pay bills, or manage business costs. You can: ✅ Set spend limits ✅ Create cards for team members ✅ Freeze your card anytime ✅ Track every euro in real time Fast setup. Clear control. That’s how we do it.
Security: How Virtual Credit Cards Protect You in Italy
Why Virtual Cards Are Safer Than Physical Cards
No card to lose, steal, or skim: There's nothing in your wallet to drop or have copied at a dodgy ATM. Our virtual cards exist only on your device — safe, simple, and always in your control.
Merchants never see your real card number: We give each transaction a unique number that stands in for your actual details. Your real card info stays hidden — always.
Single-use numbers stop fraud before it starts: Once a card number is used, it's gone. Even if someone gets hold of it, they can't use it again. That's one less thing to worry about.
We follow the highest security standards: All our cards meet PCI DSS rules — the global standard for payment safety. You're covered from day one.
Fraud Protection Features to Look For
Know the second money moves: We send you a real-time alert the moment your card is charged. No more waiting to spot something odd on your statement.
Freeze your card in seconds: See something off? Lock your card straight from the app — no phone calls, no waiting. Unfreeze it just as fast when you're ready.
A unique number for every merchant: We can issue a fresh card number for each store or site you use. If one gets leaked, the rest stay safe.
EU law has your back too: Under PSD2, you have strong rights if something goes wrong — including chargeback protection. We make sure you can use them.
Safe Practices When Using a Virtual Card Online in Italy
Stick to secure sites only: Always check for HTTPS before entering any card details. If the padlock isn't there, don't pay there.
Never share your card details over chat or email: No matter who's asking. We'll never contact you this way — and no one else should either.
Use a single-use card for new or unknown merchants: Shopping somewhere for the first time? Generate a one-time card number. It works once, then it's done — no risk after that.
Check your transactions often: A quick scroll through your app can catch a problem early. We make it easy to spot anything that doesn't look right.
What You Can Use a Virtual Credit Card For in Italy
Online Shopping (Italian and International)
Works where you already shop: Our virtual cards work smoothly on Amazon.it, Zalando, ePrice, and most major Italian online stores. No extra steps — just pay and you're done.
Shop global without the headache: Some Italian-issued cards get declined on foreign sites. Ours don't. Whether it's a UK retailer or a US brand, we've got you covered.
Set up subscriptions without the stress: Netflix, Spotify, Adobe — link your virtual card once and let it run. If you ever want to cancel, freeze the card and the charge stops. Simple.
Travel Bookings
Book flights, trains, and hotels with ease: Our cards work on Booking.com, Trenitalia, Ryanair, and more. Just note that some hotels place a hold on funds at check-in — make sure your balance covers it.
Skip the foreign transaction fees: We offer multi-currency virtual cards so you pay in the local currency without getting hit by hidden fees. What you see is what you pay.
Car rentals need a little extra care: Most rental companies pre-authorize a deposit on your card. Check that your virtual card supports pre-auth holds before you book — we make that easy to confirm.
Business Payments and Supplier Transactions
Pay each supplier with their own card number: We let you generate a unique card number per vendor. It keeps payments clean, easy to track, and simple to cut off if needed.
Handle invoices faster and smarter: Our cards plug into procure-to-pay flows so your team can process batch payments without the back-and-forth. Less admin, more done.
Ditch the petty cash and paper checks: Replace old-school payment methods with controlled virtual cards. Set spending limits, assign them to team members, and track every cent in real time.
Expenses sorted — no physical card needed: Your team can submit and manage expenses straight from the app. No lost receipts, no chasing reimbursements, no mess.
Mobile Payments In-Store (Contactless)
Pay in stores right from your phone: Add your virtual card to Apple Pay, Google Pay, or Samsung Pay in minutes. Tap to pay at cafes, shops, and transit points all across Italy.
Works at most Italian POS terminals: Anywhere you see a contactless symbol, you're good to go. Our cards are built for everyday use — not just online.
Check before you apply — some cards are online-only: Not all virtual cards support in-store payments. We're upfront about what ours can do so you pick the right one from the start.
Spending Limits, Controls, and Fees
We believe you should always know how your card works. Spending limits set the most you can charge in a day or month. You can often adjust these limits in your app to match your needs. Controls let you turn your card on or off, block certain types of buys, or set alerts for each swipe. Fees may apply for late payments, cash advances, or foreign use, so it’s key to check the terms. We keep it simple, so you can spend with confidence and stay in control.
Virtual Credit Cards and Italian Financial Regulations
When you use a virtual credit card in Italy, you want to know it’s legal, safe, and backed by real rules. We build our services around EU and Italian law so you can pay with confidence.
PSD2 and Strong Customer Authentication (SCA) in Italy
What 3D Secure means for your payments: 3D Secure adds an extra step at checkout. You may get a push alert or code to confirm the payment. This helps prove it’s really you.
How SCA changes online checkout: Under PSD2 rules, many Italian websites must use Strong Customer Authentication (SCA). That means two checks, like your phone and your password. It may add a few seconds, but it cuts fraud.
Why virtual cards work smoothly with SCA: Virtual cards are built to meet PSD2 rules. They support 3D Secure and app-based approval, so you stay protected without extra hassle.
Anti-Money Laundering (AML) and KYC Rules
Why identity checks are required: If a virtual card follows Italian rules, identity verification is not optional. AML laws require issuers to confirm who you are before giving you full access.
Prepaid limits under EU rules (€150 / €250 thresholds): Anonymous prepaid cards have strict limits under EU AML rules. In most cases, €150–€250 is the maximum before full ID is required. This helps reduce fraud and illegal use.
What you need for higher limits or business cards: For larger limits, you’ll need full KYC. That may include a valid ID, proof of address, and for business users, company documents and tax details.
Consumer Protection Under EU Law
Your chargeback rights still apply: Virtual card payments come with the same dispute rights as physical cards. If a charge is wrong or a product never arrives, you can request a chargeback.
How to file a dispute in Italy: We always suggest you contact the merchant first. If that fails, file a dispute through your issuer’s app or support team. Keep receipts and proof of contact.
Oversight from AGCM and Banca d'Italia: Authorities like the AGCM (Italian Competition Authority) and Banca d'Italia oversee financial conduct. This adds another layer of protection for cardholders.
Get Your Cardwisechoice Virtual Card — Start Today
A virtual credit card in Italy should work quickly, stay secure, and give you full control at every moment. We built Cardwisechoice for Italian professionals, entrepreneurs, and teams who need cards that perform in real life — not just in theory. From online shopping and digital subscriptions to advertising budgets and business travel, we focus on cards that are widely accepted across Italy and Europe and remain simple to manage every day.
In Italy, trust is essential. Users expect transparency, reliable support, and clear rules — without hidden conditions or unnecessary complexity. That’s exactly how we operate. Every transaction is visible. Every card is under your control. If something doesn’t work as expected, our support team steps in quickly.
Instant in-app virtual card issuance: We issue your virtual card in the app within minutes. No paperwork. No branch visit.
Zero annual fee, zero hidden charges: We keep pricing clear. No annual fee. No surprise costs.
Google Pay and Samsung Pay ready from day one: Add your card to Google Pay or Samsung Pay as soon as it’s approved. Tap and pay in stores or online.
Full spending controls and transaction monitoring: Set limits, freeze your card, and get instant alerts for every payment. You stay in control at all times.
Dedicated support for Italian and international cardholders: Our support team understands both local and cross-border needs. We’re here when you need us.
A Simple & Smart Virtual Credit Card for Italy
Our virtual credit card for Italy is designed to make managing money simple — whether you’re an expat, student, freelancer, remote worker, or frequent traveler. Everything works fully online, with no unnecessary paperwork or complicated steps.
Open your Italian account in minutes: Create your account completely online in just a few minutes. No codice fiscale required to get started, no paperwork, and clear English-speaking support to guide you if needed.
100% online, no bank visits: Sign up, send money, track spending, and manage your virtual card directly from your phone. No branches. No waiting in line. Full control wherever you are in Italy.
Start without a codice fiscale: You don’t need an Italian tax number to begin. That makes it ideal for newcomers, digital nomads, Erasmus students, and professionals who have just arrived in Italy.
Receive money in multiple currencies: Get paid in different currencies and manage everything in one place. Perfect for international salaries, freelance work, or online income streams.
Great value outside the Eurozone: Traveling or shopping in foreign currencies? Benefit from competitive exchange rates and transparent fees when spending beyond the euro area.
Grow your savings with ease: Smart built-in tools help you set money aside automatically and stay in control of your budget.
Organize your money your way: Categorize transactions, set spending limits, and see exactly where your money goes — all inside one intuitive app.
Travel with confidence: Enjoy travel perks like insurance coverage, eSIM options, and practical travel support — ideal for expats relocating to Italy or Italians exploring the world.
Unlock exclusive rewards: Get access to special offers and benefits simply by using your virtual card.
Invite friends and earn bonuses: Share the service with friends in Italy and receive exclusive rewards when they join.
Supported Countries: Where You Can Get an Italy Virtual Credit Card
An Italy virtual credit card should not stop at the border. We built Cardwisechoice so users in many countries can pay Italian and EU merchants with ease. You can apply for and use an Italy virtual credit card with us from the regions below:
Italy
For local users who want more control, safer online payments, and cards for work or daily use.
European Union (EU)
Including Germany, France, Spain, Ireland, Portugal, and other EU states. Works well for Italian shops, services, and EU platforms.
United Kingdom
Popular with freelancers and remote teams who bill Italian or EU clients.
United States
Used for ad spend, SaaS tools, and payments to Italy-based platforms.
Canada
Good for cross-border work, online tools, and Italian services.
Australia & New Zealand
Used by remote workers and online firms paying Italian merchants.
Asia (selected countries)
Including Singapore, Hong Kong, and parts of Southeast Asia. Often used for ads and online services tied to the EU.
Middle East (selected countries)
Used by global teams and firms working with Italian and EU platforms.
Note: If you need to pay Italian or EU merchants, subscriptions, ad platforms, or online tools, our prepaid Italy virtual card is built to work across borders while staying simple to manage.
Frequently Asked Questions
Can I use Cardwisechoice in Italy?
Yes. We are built to work with Italian websites, stores, and services. We help reduce card rejections that many users face in Italy.
Can I use Cardwisechoice while traveling?
Yes. You can use your Italy virtual card while traveling to pay online, in stores, and for bookings like hotels and transport.
Can I pay online with Cardwisechoice?
Yes. You can use our virtual card for online shopping, subscriptions, software tools, ads, and digital services.
Can I use Cardwisechoice in physical stores?
Yes. You can pay in stores using contactless payment where mobile wallets are accepted.
Does Cardwisechoice work abroad?
Yes. Your card works in many countries, not just in Europe. Our reloadable virtual card is useful for travel and global payments.
Will my card get blocked like a bank card?
Our virtual card does not rely on a traditional bank account. We help reduce sudden blocks and frozen funds that users often face with normal cards.
Can I use Cardwisechoice for Facebook, Google, or TikTok ads?
Yes. Our Italy virtual card works well for ad payments and online platforms that often reject standard cards.
Is there a daily spending limit?
Yes. Spending limits depend on your account level. You can see your limits clearly in your dashboard.
Can I manage more than one virtual card?
Yes. You can create and manage multiple cards. This helps you separate ads, tools, and daily spending.
Can I control my card spending?
Yes. You can set limits, pause a card, or replace a card, all from one simple dashboard.
Is Cardwisechoice safe?
Yes. Your card details are protected. You can replace your card at any time if something looks wrong.
What happens if my card details are leaked?
You can instantly replace your card details. This stops unwanted payments and protects your funds.
Can I use Cardwisechoice for subscriptions?
Yes. Use it for monthly payments, then pause or replace the card if you no longer need the service.
Do I need a Codice Fiscale to use Cardwisechoice?
In most cases, yes. For full access under Italian rules, identity checks may require your Codice Fiscale.
Do I need a credit check?
No. There is no credit check and no income check.
Is Cardwisechoice a prepaid or virtual card?
Cardwisechoice is a virtual prepaid card. You load funds and spend only what you have available.
Are there hidden fees?
No. Our fees are clear and shown upfront. There are no surprise charges.
How fast can I start using Cardwisechoice?
Most users can start within minutes after sign-up and ID check.
Can teenagers or family members use Cardwisechoice?
It can be used for controlled spending, as you can set limits and manage usage. Age rules may apply based on Italian law.
