Compare virtual debit cards

Debit cards give you convenient access to funds in your transaction account, allowing you to pay for goods and services with a swipe, insert or tap of the card. But these days, you don't necessarily need the physical card with you at all.

Here, we talk you through what a virtual debit card is, how they work and how to decide whether they're right for you.

Promoted

Bank account offer

HSBC Everyday Global Account

Promoted

$0

monthly fee

$0

ATM withdrawal fee

• Google Pay, Apple Pay
• Monthly fees: $0
• No international transaction fees
• Up to 10 currencies

HSBC Everyday Global Account

Earn 2% cashback on tap and pay purchases. T&Cs apply.

Go to site More info

Go to site More info

Earn 2% cashback on tap and pay purchases. T&Cs apply.

• Apple Pay debit cards
• Android Pay debit cards
• Digital banks with digital wallets

1 - 10 of 10

Updated regularly

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Close

Sort by:

Name	Product	Contactless Payments	Instant Payments	ATM Withdrawal Fee	Monthly account fee
HSBC Everyday Global Account Finder Award		Google Pay, Apple Pay	N/A	$0	$0	Earn 2% cashback on tap and pay purchases. T&Cs apply. Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.	Go to site More Info	Compare	loading Fetching your data...
Westpac Choice		Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, Digital Card	Osko, PayID	$0	$5	Use your Westpac Digital Card in the Westpac App to make contactless purchases 24/7 with no physical card. No monthly account keeping fee for customers under 30 or if you meet the deposit conditions. Shop safely online with Westpac Digital Card. Your 3-digit security number refreshes every 24 hours to keep your details safe.	Go to site More Info	Compare	loading Fetching your data...
MyState Bank Glide Account		Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay	Osko, PayID	$0	$0	Simplify your everyday banking with these sleek digital features. $0 monthly account fee. Choose the way you pay with access to Google, Samsung and Apple Pay plus Fitbit Pay and Garmin Pay. Send and receive money in less than 60 seconds with PayID.	Go to site More Info	Compare	loading Fetching your data...
Westpac Choice Student		Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay	Osko, PayID	$0	$0	$0 account keeping fee for students and customers under 30 Make purchases 24/7 using your Westpac Digital Card in the Westpac App. Students will pay no monthly account keeping fee with no deposit conditions to meet. Pay with your phone or wearable device anywhere and anytime, and access cash without your debit card using Cardless Cash.	Go to site More Info	Compare	loading Fetching your data...
Great Southern Bank Everyday Edge Account		Google Pay, Apple Pay, Samsung Pay	Osko, PayID	$0	$0	Refund of international ATM withdrawal fees and international card transaction fees (conditions apply). $0 monthly account fee. Unlimited fee-free everyday transactions. Apple Pay, Google Pay and Samsung Pay available. Savings Top Up tool automatically transfers to linked savings account.	Go to site More Info	Compare	loading Fetching your data...
Citi Global Currency Account		Apple Pay, Samsung Pay	Osko, PayID	$0	$0	Earn up to 1.2% p.a. interest on your AUD balance. $0 monthly account fee. Enjoy one linked debit card to hold up to 10 currencies and receive foreign currencies for free.	Go to site More Info	Compare	loading Fetching your data...
Great Southern Bank Everyday Account		Google Pay, Apple Pay, Samsung Pay	Osko	$0	$0	Enjoy flexible payment options and access to a wide network of ATMs. $0 monthly account fee. Access to Google, Samsung and Apple Pay. Enjoy fee-free cash withdrawals from 10,000+ ATMs across Australia.	Go to site More Info	Compare	loading Fetching your data...
Up Everyday Account		Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay	Osko, PayID	$0	$0	A transaction account designed for your smartphone with spending categorisation and a round-up feature to help you save. No international transaction fees and no ATM fees in Australia.	Go to site More Info	Compare	loading Fetching your data...
Macquarie Transaction Account		Apple Pay, Google Pay	PayID	$0	$0	Earn a variable base rate of 1.5% p.a. on your transaction account balance with no conditions to meet. $0 account keeping fees. This interest-earning transaction account charges no account fees, no international fees and gives refunds on all Australian ATM fees.	Go to site More Info	Compare	loading Fetching your data...
Great Southern Bank Everyday Youth Account		Google Pay, Apple Pay, Samsung Pay	Osko, PayID	$0	$0	Designed for young Australians between 10 and 17 years old, a Great Southern Bank Everyday Youth Account is designed to make everyday banking easier.	Go to site More Info	Compare	loading Fetching your data...

loading

Compare up to 4 providers

Clear selection

Compare

1 - 9 of 9

Updated regularly

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Close

Sort by:

Name	Product	Contactless Payments	Instant Payments	ATM Withdrawal Fee	Monthly account fee
HSBC Everyday Global Account Finder Award		Google Pay, Apple Pay	N/A	$0	$0	Earn 2% cashback on tap and pay purchases. T&Cs apply. Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.	Go to site More Info	Compare	loading Fetching your data...
MyState Bank Glide Account		Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay	Osko, PayID	$0	$0	Simplify your everyday banking with these sleek digital features. $0 monthly account fee. Choose the way you pay with access to Google, Samsung and Apple Pay plus Fitbit Pay and Garmin Pay. Send and receive money in less than 60 seconds with PayID.	Go to site More Info	Compare	loading Fetching your data...
Great Southern Bank Everyday Edge Account		Google Pay, Apple Pay, Samsung Pay	Osko, PayID	$0	$0	Refund of international ATM withdrawal fees and international card transaction fees (conditions apply). $0 monthly account fee. Unlimited fee-free everyday transactions. Apple Pay, Google Pay and Samsung Pay available. Savings Top Up tool automatically transfers to linked savings account.	Go to site More Info	Compare	loading Fetching your data...
Great Southern Bank Everyday Account		Google Pay, Apple Pay, Samsung Pay	Osko	$0	$0	Enjoy flexible payment options and access to a wide network of ATMs. $0 monthly account fee. Access to Google, Samsung and Apple Pay. Enjoy fee-free cash withdrawals from 10,000+ ATMs across Australia.	Go to site More Info	Compare	loading Fetching your data...
Great Southern Bank Everyday Youth Account		Google Pay, Apple Pay, Samsung Pay	Osko, PayID	$0	$0	Designed for young Australians between 10 and 17 years old, a Great Southern Bank Everyday Youth Account is designed to make everyday banking easier.	Go to site More Info	Compare	loading Fetching your data...
Up Everyday Account		Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay	Osko, PayID	$0	$0	A transaction account designed for your smartphone with spending categorisation and a round-up feature to help you save. No international transaction fees and no ATM fees in Australia.	Go to site More Info	Compare	loading Fetching your data...
NAB Business Everyday Account ($0 Monthly Fee Option)		Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay	Osko, PayID	$0	$0	$0 monthly account-keeping fee. Unlimited standard electronic transactions. Sign up for a NAB Business Transaction Account and enjoy free digital transactions, no monthly fees, and a linked NAB Visa Debit card at no cost.	Go to site More Info	Compare	loading Fetching your data...
Westpac Choice		Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, Digital Card	Osko, PayID	$0	$5	Use your Westpac Digital Card in the Westpac App to make contactless purchases 24/7 with no physical card. No monthly account keeping fee for customers under 30 or if you meet the deposit conditions. Shop safely online with Westpac Digital Card. Your 3-digit security number refreshes every 24 hours to keep your details safe.	Go to site More Info	Compare	loading Fetching your data...
Macquarie Transaction Account		Apple Pay, Google Pay	PayID	$0	$0	Earn a variable base rate of 1.5% p.a. on your transaction account balance with no conditions to meet. $0 account keeping fees. This interest-earning transaction account charges no account fees, no international fees and gives refunds on all Australian ATM fees.	Go to site More Info	Compare	loading Fetching your data...

loading

Compare up to 4 providers

Clear selection

Compare

1 - 1 of 1

Updated regularly

We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.

Learn how we maintain accuracy on our site.

Close

Sort by:

Name	Product	Payment Options	Supported Currencies	Suited to
Up Everyday Account		Apple Pay,Google Pay,Fitbit Pay,Garmin Pay,Samsung Pay	AUD	Students,Travelling,A transaction account,Large ATM withdrawals,Android users	Go to site More Info	Compare	loading Fetching your data...

loading

Compare up to 4 providers

Clear selection

Compare

What is a virtual debit card?

Virtual debit cards are essentially a digital version of the plastic debit card you are probably already used to. There are a few types of virtual debit cards you really need to know about:

1. A digital version of your physical card. This "card" exists in a digital wallet, usually on your phone with Apple Pay, Android Pay or an Internet bank app. It uses the same card number and details as the physical card, but you access it through an app and pay using contactless payment technology just like you can with your physical card.
2. A digital "card" that is not necessarily linked to a physical card. This virtual debit card uses an encrypted card number. You can use it for contactless payments in-store or even by logging in when you shop online.
3. A digital pre-paid card that you load money onto. You will be given a virtual card number to use for online shopping; this number may also change for each website. Because there is no set card number, these can be more secure.

What are the benefits of a virtual debit card?

Using a virtual debit card has a number of advantages, including the following:

Secure online shopping

If you are using a virtual debit card that generates a random card number, this will help keep your funds secure when shopping online.

Convenience

You won't need to bring a physical debit card with you to complete transactions in-store. You can do this all on your smartphone.

No waiting for card delivery

You won't need to wait for a card to be delivered when you sign up for a new account or if your card expires. With the new digital banks, some give you a virtual debit card, which you can use as soon as you get an account and before your physical card is even delivered.

Single- or multi-use

There are single- and multi-use virtual debit cards available to suit your online payment needs.

Multi-currency cards available

Some providers also offer multi-currency prepaid debit cards, allowing you to save on currency conversion fees when buying from overseas retailers.

Prepaid

Virtual debit cards can be prepaid, giving you the freedom to load them up with the funds you want to spend rather than running up a debt with a credit card provider.

What are the drawbacks to a virtual debit card?

Keep in mind virtual debit cards may not suit everyone. Here are some points to consider before signing up:

• Prepaid virtual debit cards will have limits. You may only be able to hold a certain amount on the card.
• You can't spend more than $100 per transaction in-store. In-store transactions will be contactless payments, which are limited to $100 per transaction.
• Prepaid cards aren't guaranteed by the government. If you choose a prepaid card, any funds you load onto it aren't guaranteed by the government. This is not the case with debit cards, where deposits up to $250,000 are guaranteed.

How do I use a virtual debit card?

This depends on the type of virtual debit card you choose. If you opt for a virtual debit card that can be loaded into a digital wallet, you will need to have a transaction account that offers this option. Once you have opened the account and have the physical card, you can follow the prompts in your chosen digital wallet to add the card. The bank may also be able to give you a virtual debit card in your bank app before it sends you the physical card.

For a virtual card for online shopping, just sign up online and follow the process. You should receive the details once the process is completed. You may be able to link this card to a PayPal account or bank account or you may need to load funds to the virtual card account itself.

Have more questions about virtual debit cards?

• What is a mobile wallet?

  A mobile wallet allows you to carry your debit and credit card information in digital form on your smartphone. Also known as digital wallets, mobile wallets allow you to purchase items online and in-store using your mobile device.

• Can you transfer money from PayPal to Google Wallet?

  To transfer funds from your PayPal account to your Google Wallet, you will first need to withdraw money from your PayPal account into your linked bank account. You can then add the debit card linked to your bank account as a payment method in Google Wallet, allowing you to access the funds you have just transferred out of your PayPal account.

• How do I transfer money from PayPal to my prepaid card?

  Australian customers cannot withdraw money from a PayPal account to a prepaid debit card.

• Is every bank available on Android Pay and Apple Pay?

  No. You can find a list of Australian banks available on Android Pay and Apple Pay here.

You may also be interested in

RBA cash rate rise: Will you get a higher rate on your savings?

{"menuItems":[{"label":"What is a virtual debit card?","anchorName":"#what-is-a-virtual-debit-card"},{"label":"What are the benefits of a virtual debit card?","anchorName":"#what-are-the-benefits-of-a-virtual-debit-card"},{"label":"What are the drawbacks to a virtual debit card?","anchorName":"#what-are-the-drawbacks-to-a-virtual-debit-card"},{"label":"How do I use a virtual debit card?","anchorName":"#how-do-i-use-a-virtual-debit-card"},{"label":"Have more questions about virtual debit cards?","anchorName":"#have-more-questions-about-virtual-debit-cards"}]}

The cash rate has gone up for the first time in more than 11 years as the Reserve Bank of Australia tries to combat rising inflation. Home loan rates are rising – but so are savings rates.

Read more…

6 ways to brighten up your banking

{"menuItems":[{"label":"What is a virtual debit card?","anchorName":"#what-is-a-virtual-debit-card"},{"label":"What are the benefits of a virtual debit card?","anchorName":"#what-are-the-benefits-of-a-virtual-debit-card"},{"label":"What are the drawbacks to a virtual debit card?","anchorName":"#what-are-the-drawbacks-to-a-virtual-debit-card"},{"label":"How do I use a virtual debit card?","anchorName":"#how-do-i-use-a-virtual-debit-card"},{"label":"Have more questions about virtual debit cards?","anchorName":"#have-more-questions-about-virtual-debit-cards"}]}

Make your banking less boring with these 6 tips and start saving more today.

Read more…

Why is ING ditching unlimited free ATMs for a $100 cashback offer?

{"menuItems":[{"label":"What is a virtual debit card?","anchorName":"#what-is-a-virtual-debit-card"},{"label":"What are the benefits of a virtual debit card?","anchorName":"#what-are-the-benefits-of-a-virtual-debit-card"},{"label":"What are the drawbacks to a virtual debit card?","anchorName":"#what-are-the-drawbacks-to-a-virtual-debit-card"},{"label":"How do I use a virtual debit card?","anchorName":"#how-do-i-use-a-virtual-debit-card"},{"label":"Have more questions about virtual debit cards?","anchorName":"#have-more-questions-about-virtual-debit-cards"}]}

ING will give customers up to $100 cashback per year on their gas, water and electricity bills when you pay using your Orange Everyday account.

Read more…

How will the Newcastle Permanent and Greater Bank merger affect customers?

{"menuItems":[{"label":"What is a virtual debit card?","anchorName":"#what-is-a-virtual-debit-card"},{"label":"What are the benefits of a virtual debit card?","anchorName":"#what-are-the-benefits-of-a-virtual-debit-card"},{"label":"What are the drawbacks to a virtual debit card?","anchorName":"#what-are-the-drawbacks-to-a-virtual-debit-card"},{"label":"How do I use a virtual debit card?","anchorName":"#how-do-i-use-a-virtual-debit-card"},{"label":"Have more questions about virtual debit cards?","anchorName":"#have-more-questions-about-virtual-debit-cards"}]}

The merger will create Australia's largest customer-owned bank, and maintain both bank brands.

Read more…

Xinja is closing down, what does this mean for customers?

{"menuItems":[{"label":"What is a virtual debit card?","anchorName":"#what-is-a-virtual-debit-card"},{"label":"What are the benefits of a virtual debit card?","anchorName":"#what-are-the-benefits-of-a-virtual-debit-card"},{"label":"What are the drawbacks to a virtual debit card?","anchorName":"#what-are-the-drawbacks-to-a-virtual-debit-card"},{"label":"How do I use a virtual debit card?","anchorName":"#how-do-i-use-a-virtual-debit-card"},{"label":"Have more questions about virtual debit cards?","anchorName":"#have-more-questions-about-virtual-debit-cards"}]}

Xinja is closing its bank account and Stash savings account and returning its banking licence. Here's what you need to do if you're a customer.

Read more…

Tips for parents as school banking programs to be banned in Victoria

{"menuItems":[{"label":"What is a virtual debit card?","anchorName":"#what-is-a-virtual-debit-card"},{"label":"What are the benefits of a virtual debit card?","anchorName":"#what-are-the-benefits-of-a-virtual-debit-card"},{"label":"What are the drawbacks to a virtual debit card?","anchorName":"#what-are-the-drawbacks-to-a-virtual-debit-card"},{"label":"How do I use a virtual debit card?","anchorName":"#how-do-i-use-a-virtual-debit-card"},{"label":"Have more questions about virtual debit cards?","anchorName":"#have-more-questions-about-virtual-debit-cards"}]}

With school banking programs like CBA's Dollarmites getting axed, how else can you teach your kids about managing money?

Read more…