I started using Transferwise late last year to bypass an expensive foreign transfers - paid 1.50 euros per move rather than 25-30. A few months ago I switched to Revolut where the entire thing is free, and I'm very happy with their service - quick registration, an easy to use app with built-in currency exchange, well designed.
They even have a physical card that they send out for 6 euros, I got one in a beautiful package at the beginning of the month when they had a 24h free promotion going on, and it arrived a few days ago, works like a charm :) Highly recommended!
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I didn't mean to be rude, sorry, it's just that Malaysia in particular has been in the news a lot with regard to corruption, including banking - similar story where I'm from too, even though it's EU, but financial services tend to be picky like that. Again, apologies if you thought I'm making fun of the region, not at all!
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No worry man, our previous PM tarnished our country's name due to his corruption scandal. But, i still didn't find any correlation to this matter i am having problem with atm. Therefore, i am a bit repulsive when i wrote my last reply. Cheers
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https://www.payu.pl/en/blog/what-type-cards-can-be-used-online-payments
It does not matter which card you have. You can use any of them to pay online. It will only take you a few seconds and clicks to make a transaction.
They claim to accept all kinds of cards, but I guess the reality is more like PayPal who actively block all prepaid card ranges from being used to verify the account. Good luck trying to find anything usable in EU any more with our silly money laundering laws.
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Have you tried others than your own bank, like https://www.managepay.com/managepay/Content?id=15 ?
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I can tellyou reason why Revolut is great, but it will probably be different reason from luxerino's - it's great for payments in different currencies - it works as like currency card, you can have multiple currencies associated with it, you can exchange them any time with better value than in bank, and in case you don't have currency and you still want to withdraw money abroad or pay for something - you will have it exchanged with better value and without bank spread as well. I do not use revolut too much for online purchases (because with CC from my own bank it's easier to do chargebacks just in case), but for travelling Revolut is absolutelly great :)
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not really, just googled it right now, but I already see major differences - it's a bank account and they use spread while converting currencies (Revolut does not use spread), they are much more restricted than Revolut and require lots more of work - you gotta make everything via an app, there are restrictions depending on contry etc, Revolut for EU users requires just like few clicks and then waiting for your card to arrive, there are no restrictions (like having minimum income, being hired on specific kind of contract etc, basically anyone who is 16/18 years old - depending on country - can freely get Revolut), also as for use I mentioned, aka travelling - creating separate accounts for seoarate currencies is probably the most important thing travel-wise. Normal banks make currency accounts kinda expensive and not really worth it unless you're going to use it a lot, in Revolut it is free, you can exchange any time you want, you can do so months before actual trip - so you are negating the risks of sudden exchange-rate rises, if you have money stored in separate currency account you are missing almost all of usual additional fees - no spread, no fee for withdrawal from certain ATMs (lots of them actually), no fee for payment-by-card and so on and on. Of course it all depends on how often you travel and how often you use card copared to cash - for someone who goes for vacations once a year, pays most of costs to travel agency in his country and takes most of money as cash it will not save them much - maybe a few EUR, for someone like me who travels a lot, always on his own, without any travel agencies, all inclusive etc, so always paying at the spot (or ordering stuff like tickets online) it makes much bigger savings - like from 15EUR for short citybreak up to even 100+EUR for week long car-rental trip. SO like I said - for payment options Revolut is probably as good as any other prepaid card system, but for travelling it's probably the best system currently avaiable in EU.
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I found a lot of use with Revolut actually, since you can use the virtual cards easily online when your not 100% sure of the security of the site. The physical cards you can get are kind of neat too. Lots of great security features that I wish regular cards had.
Basically, everything is linked to the mobile app. Everything from NFC payments, ATM withdrawals, the magnetic strip or for example online payments can instantly be disabled if you don't want them or need those features. You can also enable GPS tracking in the app, so that if your card is used to make a purchase in a city other than where you currently are it won't go through (kind of genius to be honest).
Also, you get a notification on your phone every time you make a payment which I just like. Gives a nice sense of control over the whole thing. Why all Mastercard/Visa cards don't have these features as standard is beyond me.
They claim the money is guaranteed somehow similar to how a bank would be... but I don't know about that. I wouldn't trust them with any larger sums, as it's still not an actual bank. For what it is though, it's pretty great.
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click through
https://gomedici.com/top-20-virtual-plastic-prepaid-debit-cards-for-travel-shopping-secure-international-use/
I only used SpectroCard but stopped it, but I think (not sure) they are worldwide
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Because their bank's card doesn't work with one payment processor. That is the actual problem, it does not work. No matter how much my card works, your cards works, their card works elsewhere or it's better to live in a Nordic country than in some hot country, none of these are relevant.
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Can you please explain it to me? Is there an online merchant that only accepts payment via PayU? I have never heard of PayU before so I am surprised that a merchant would accept nothing else.
To be honest, I've never heard of virtual cards before either and I don't really understand the appeal. After a quick search, the explanation that I found indicates that it is for security reasons but that doesn't make sense to me because customers aren't responsible for fraudulent credit card charges (that's the law in Australia, anyway). I believe that is because credit card transactions don't use the customer's money, they use the card issuing bank's money, and it is illegal for the bank to pass on their loss due to fraud to a customer. This makes it much easier to recover fraudulent charges made against credit accounts than fraudulent transactions from debit accounts. I exclusively conduct online transactions with credit cards for this reason. It's a bit of a hassle having to change from Paypal's default debit account option on every purchase, but it has saved me hundreds of dollars in the past when an international goods supplier managed to delay me long enough that eBay and PayPal would not allow me to raise a dispute (only 45 days at the time). My credit card issuer refunded the money after I submitted evidence of all of my communication, and I presume that they took it up with PayPal, who have since changed their dispute terms.
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Why are you asking me? I'm not the one with the problem or even using PayU for anything.
Your bank might give you the money back, but it might take days and be a hassle. And if you're not prepared by having cash, you're out of money for that period. Just like if your car gets stolen and you get it back couple days later, you still need to get to work somehow without it.
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I asked you because you are the one that explained that the problem was with PayU, which I did not understand from the original post.
Yeah, the bank gave the money back and it was a bit of a hassle but much better than the alternative. If I had let PayPal use my debit account as per the default settings instead of changing it to a credit card, I would have lost $550 to an unscrupulous merchant in New Zealand that had no intention of sending the goods that I had paid them for. In your example, the equivalent would be not getting your car back at all and not being able to make an insurance claim to replace it.
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OP is the one with the problem explaining what it is, I'm only reading what he writes and pointing it out to others who refuse to read and are answering some totally different problem with useless answers. https://www.steamgifts.com/discussion/Yzu15/best-working-virtual-card#Ob4pmls
I have no need for virtual cards, but I would imagine it's also easier to get one from overseas than it is a physical one. And if there is no need for physical because it will only ever be used online, why would you want one?
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I don't think the answer was useless or about a totally different problem. Although the stated question was regarding a virtual card, the root problem is one of conducting online transactions. A virtual card is not the only solution to that problem, and it is not even the most common solution. It is similar to if someone asked how they can catch a train to the beach because they have heard of other people catching trains to the beach but are having difficulty doing so in their part of the world because their beach doesn't have a railway station, and someone suggesting that they simply catch a bus.
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So if I'm asking for bus timetables to my beach, does it help me if others tell how well their trains run? And even after telling them that there are no trains here, they just keep suggesting using trains since they have no problems with them. If you want some more details about the problem, ask OP instead of me repeating stuff said couple posts above. That's what I did, asked for more details to better be able to answer.
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PayU is the only viable option, while the other options are Webmoney, QIWI, Yandey.Money and few more that that on my personal opinion, are irrelevant.
Most bank in my country, do not authorize online transaction made to the merchant, via PayU, so i opted into getting virtual card, which usually do not have restriction as long as you have balance on the card. Sadly, the company/website that i get my virtual card is now implementing new regulation, which are making people outside EU, (simply put, me) unable to use it anymore. Now i am searching for new ones.
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Hi, i need suggestions on what virtual cards available out there than can be used worldwide without restriction. I used Entropay before, but their newest regulation, prohibited me (non EU resident) from using it anymore(inability to deposit from my bank to the virtual card or wallet). I use the virtual card to buy games from countries where my card, online banking (from Malaysia) would be inoperable. Any suggestions on different options for virtual cards providers other than Entropay are much appreciated.
I am not EU resident, i am at SEA region. So, most of the those providers are not for me. Thanks
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