Pay securely online and on the go with the Airwallex virtual debit card. Create virtual cards for your employee and business expenses instantly, and spend globally in multiple currencies with no transaction fees.
What is an Airwallex virtual card?
The Airwallex virtual debit card is a digital card that exists on your phone and computer. You can create new virtual cards in an instant and use them immediately. Each card will be linked to your Airwallex account and will come with unique card details. You can create unlimited virtual employee and company cards and use them to spend in multiple currencies from held balances in your account. If you don’t have the right currency balance available, your virtual card will auto-convert at Airwallex’s market-leading exchange rates, and you won’t be charged any transaction fees when using your virtual card at home or abroad.
Borderless virtual debit cards created in a tap
Create new virtual cards for employees and expense channels in seconds. Spend securely online and in-store via digital wallets with no domestic or international transaction fees.
Create virtual employee cards for purchases like travel, client entertainment, and team offsites
Empower employees to spend globally on the go
Your employees can use their Airwallex virtual card on the move using Apple Pay and Google Pay.
Get full control over spending
Set spend limits for cards, restrict purchases by merchant type if necessary, and freeze or cancel cards instantly.
Gain real-time oversight on employee expenses
Get a full view of employee spending in the Airwallex app. Each card has a clear payment trail, making spend-tracking simple.
Create virtual company cards for expenses such as advertising, software subscriptions, and equipment
Keep track of company spending in one place
Get a real-time overview of corporate spend in the Airwallex app. Assign a virtual company card to each expense category for a simpler way to monitor spending.
Remove unnecessary risk
Set transaction limits for each card to eliminate the risk of accidental overspend. For added security on certain purchases, create single-use virtual cards that expire automatically once payment has been made.
Manage team budgets with transparency
Give multiple team members access to a shared card and get instant oversight on how their budget is being spent.
Expense management made easy
Get more from virtual cards when you activate built-in expense management. Automate your expense management workflows and free your team from the pain of manual reports. Your employees can upload receipts and submit expenses on the go via the Airwallex mobile app, you can design multi-layer approval workflows so expenses are signed off by the right team members, and you can sync expenses with your accounting software so your finance team can close the books faster each month.
The Airwallex virtual card is safe and secure
Reduce the risk of card fraud
A virtual card cannot be lost or stolen, this greatly reduces the risk of card fraud, helping you keep your business safe.
Freeze or cancel virtual cards instantly
If you’re concerned that a card is being misused, or if a card is no longer needed, you can instantly freeze or cancel it in the Airwallex app. You can also create single-use virtual cards for added security.
Manage subscriptions with virtual cards
Pay for expenses such as subscriptions with a virtual card, then freeze or cancel the card when you want to end your subscription to ensure money isn’t taken from your account in error.
"The feature where we can monitor how much employees are spending on their Airwallex cards is incredibly useful to us. We get to have full visibility, as well as being able to set daily and per transaction budgets. With Airwallex’s authorisation process, it’s also easy for my team to put together all outgoings that I need to approve, so I can easily ask questions or reject payments."
Co-founder & CEO, July
"With Airwallex, you just open up the app, sign in and you can just update any of the cards, or issue new cards there with a few clicks"
Finance Manager, Qwilr
“Airwallex’s website is transparent and easy to use. It’s allowed my team to self-serve and create what we need to suit our growing business and teams. Whether it’s logins or virtual card for a new employee, it’s easy to create and gives us the visibility and control we need.”
Financial Controller, Clipchamp
“If you have staff, suppliers or customers overseas, then your business should be using Airwallex. It’s a fantastic product backed by a wonderful customer care team who will answer all your questions and ensure you get onboarded properly and know how to use the product.”
Founder and CEO, Business Blueprint
"Having all our global SaaS subscriptions in one place has streamlined our finance processes and enabled better tracking and control of expenses. It’s even better knowing that Airwallex isn’t hitting us with any international transaction fees."
Chief Operating Offer, Paloma
“The Airwallex Global Cards are incredibly convenient for business owners. I use them every day, either online or through my phone. It’s such an intuitive user experience and I have full visibility over what’s being spent on the cards and where - all in one simple system.”
Best digital card UK
Why the Airwallex virtual card is the best digital card in the UK
Airwallex is the best virtual debit card for UK businesses because it allows you to spend in multiple currencies with no domestic or international transaction fees. Create new cards for employees and expense channels in seconds, and use them to pay for expenses at home and abroad without paying unnecessary fees. By activating built-in expense management, you can free your team from the pain of manual expense reports and late reimbursements.
Frequently asked questions
How does a virtual Visa card work?
Virtual Visa cards work in much the same way as a physical Visa card. You can sync your virtual Visa card to Apple and Google Pay and use it to make contactless payments on the go. You can also use your virtual card to send money to another account, or pay for subscriptions and other everyday expenses.
Are virtual Visa cards safe?
Virtual Visa cards are safer than physical cards because there’s no risk of your card being lost or stolen. Virtual cards do not include account information, just a long number, expiry date and security code. So, it is much more difficult for fraudsters to access your account. The business account owner can create and delete virtual cards in minutes, and set spending limits on a card-by-card basis. So if a card is misused it can be cut off easily.
What’s the difference between an Airwallex virtual Visa debit card and a prepaid debit card?
Unlike a prepaid debit card, you do not have to preload your Airwallex virtual business card with money. Instead, Airwallex cards draw funds directly from your Airwallex account balance. You can put spend limits on cards to ensure the funds in your account are protected.
You can use Airwallex Visa debit cards to pay for expenses in multiple currencies. Your Airwallex virtual card will automatically draw the correct currency from your balance. If you don’t have the correct currency in your account, Airwallex will auto-convert funds at the interbank exchange rate.
What are the spending limits for an Airwallex virtual card?
All Airwallex cards have a default transaction limit of US$50,000 or the equivalent in the settlement currency. However, your business can customise the spending limit for each Airwallex card you create, and also add additional limits, such as daily, weekly or monthly spend limits and merchant category restrictions.