How to get a free Virtual Credit Card (VCC) ?

A virtual credit card (VCC) behaves the same way as a traditional credit card does. The only difference is that you can only use it online (and it is 'virtual' as opposed to a 'plastic' card). There are many services that provide you a virtual credit card so that you can use it without having to attach your bank account or going through any complex process. Entropay, was a similar service which provided free virtual cards to the users. You just needed to create an account to receive a free virtual credit card of your own, but it stopped the service due to users registering just to misuse it. It now requires users to load their accounts with some money before they can get a VCC. The site I'm going to introduce to you today not only behaves the same way as Entropay, but also gives you your own free VCC just after registering on the site.

Note : You need to provide your telephone number to the site. It calls you to verify your identity. If you're not okay with that, no need to go through the tutorial. Just read something else :)<

Steps Involved

  • Sign Up on the site. Make sure that you provide your real phone number since you'll receive a call on your phone. 

  • Press on Call me. You'll receive a call on your phone.  While on the phone, you'll need to enter a personal 4 digit pin. That same PIN will be asked every time you try to login on the site.
  • Now log in to the site. (The password is the PIN number that you had entered on your phone i.e. on step 2)

  • It will ask you to enter your name and email address. Fill up the form and click on Save.
  • Just after pressing Save, you'll get your Virtual Credit Card.


Remember, the card is not pre-loaded with money. If you need to make online purchases, you can load money into the card by using the traditional credit/debit cards or through a voucher available on the site. It's more important to guys like me who don't have an international credit card and thus are not able to make use of different offers and deals. A particular place where this might come handy is while advertising on Facebook. Suppose I received a Facebook advertising coupon. Now, Facebook requires you to enter your credit card details before you can make use of an advertising coupon. I can now use the above virtual credit card to authorize my account without any hassle.

And for those of you who are wondering, no, you cannot use it to verify your PayPal.

 UPDATE  : You cannot use this VCC to activate your Facebook advertisement account. That is because, Facebook, PayPal and most of the sites, charge some money to your credit card for verification purposes. They later refund the money to your credit card. So, unless you load your VCC with some money, most of the sites won't accept it.


Subigya Nepal

A movie enthusiast & a computer freak. Follow me on Twitter if you'd like to connect with me.


40 thoughts on “How to get a free Virtual Credit Card (VCC) ?

  1. hi admin
    thanks for ur post , i have a question please
    - should i charge my vcc to activate facebook coupon ??
    or i can use it empty
    thanks in advanced

  2. Hello Subigya
    Thank you so much for great information now i complete signup for Bancore but I have problem in "link a card" process

    do you have other website for similar service same ?

    Thank you

    1. Hi,
      I would suggest you to contact Bancore regarding your problem. I'm sure they can help you. And, As I have mentioned on the post, is a similar site, but it requires you to put in some money before you can get a VCC (You can use your credit card/bank account for that). This one (Bancore) however, gives VCC for free. I'm afraid I'm not aware of any other sites that give VCC for free. If you want to link your credit card, you might as well try You just need to top-up your account and you will get the VCC.

  3. Can I verify my card with PayPal?

    Bancore virtual card can be used to verify your PayPal account however it is not possible to transfer money from PayPal account to your virtual card.
    Please note that when adding the card to PayPal for the first time, PayPal has a process where they charge the card a small value for verification purposes.
    PayPal verification code will appear in your virtual card statement within 3-5 working days or you can contact Bancore support team to receive the code.
    If virtual card has a zero balance this verification fails.
    Please deposit some funds to your Bancore virtual VISA card before verifying it with PayPal.

  4. hy,
    i am using entropay for vcc.

    before 4 month i make pp and verify with entro pay vcc.

    and use that .
    now i want to make new pp and get verified.
    but nothing happen.

    message appear on my pp account
    we are unable to charge your card.

    there is also money in my card.

    so why the message appear when load your pp with vcc.

  5. is it possible to add money in bancore from my bank debit card issued by any nepali bank( i dont have credit card)...after i upload the fund .can i process to verify paypal,moneybooker,alert pay ....bro plz reply... i seriously need paypal account ,,,any help from u....plz plz plz

    1. Shiva, PayPal does not support Nepal. A Nepali PayPal account can only send fund, it cannot receive. And the cards issued by Nepali banks are only meant for electronic purposes (ATM, POS), so no, you cannot use it online. You'd have to get an international debit card if you want to make purchases or send money online. Here's a guide on how you can get yourself an International Debit Card for free, and use that to send money on PayPal, verify moneybookers, alert pay etc.

      By the way, although PayPal does not support receiving fund in Nepali PayPal account, Moneybookers and Payza (Alertpay) do. So, you should use Moneybookers or Payza instead. You can verify both your Moneybookers and Payza account from Nepal (via Bank Transfer) and also withdraw money from it.

  6. Your note on the bottom indicates that this VCC doesnt work directly with FB since there's no funds. Will it work if there is sufficient funds on the VCC? What if I add funds and then add it to paypal and use paypal as funding source?

  7. hi admin,

    I have a SBI VCC. I tried to use for facebook ads payment. It displays a error message like this,

    The authorization for this card was declined. Please verify that all card information you've provided is accurate, and try again.

    If you continue to experience these problems, you will have to contact your bank or card issuer to find out why the authorization was declined. What should i do for making payment through VCC?

    1. Does the VCC provide address verification as well? The billing address you enter on FB must match the address on your VCC. Not all VCCs include address verification service. Also, if your Facebook account is of a country other than that of your VCC, it might not work.

  8. looks like a good system but transfering funds cost you the same as an international bank transfer which take 3-4 days and then charges 3-4% CC fees... ouch

  9. Hi dude first time visiting your blog..I was searching for alternative to Entropay and came to your blog...Can we trust Bancore...Can we use debit card for loading Bancore vcc..Thanks in advance......

  10. hi,
    u said one can load money on VCC through traditional debit card.u mean nepali bank local debit card?but as far my concern nepali bank doesnot allow to trsansact online so how can we load money on VCC from here?

  11. Hello admin,
    I sign in at bancore and i have all the information for paypal verification, but to transfer money to bancore a/c. and am from nepal.

    plz give detail suggestion to send money to bancore a/c

  12. How safe is bancore to use? Is this one of phising or scam site.? I would like to purchase from Amazon. WIll registering in bancore, top up the card using international bank method will ensure the purchase of the item from Amazon? Please do response

  13. is great, but sadly my country, Indonesia is not listed in their coverage country.

    What a pity.
    Perhaps there's another site like

    Super post Subigya,thanks

  14. hello out of country and want to sign up a personal payza account but while signup there im being asked some document from verification but while uploading document says the country name im rytnw does not shows nepal's document.....

  15. hello subigya here searching about virtual credit card nyway dude can you tell me any process of paying for facebook ads please i dnt hav credit card so can i do this
    internet banking--->entropay---> vcc--->fb ads payment
    debit card --->entropay--> vcc--> fb ads payment
    (also i heard RBI won't allow my debit card for international use dnt knw if its true)
    or should i buy ad coupons (if yes then where & how ?)
    i have just debit cards & internet banking .
    help me out(in desperate need)... would ya ??

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