Virtual card
A virtual card is a digital bank card without physical plastic.
It can be set up online in a few minutes and used for purchases, subscriptions, and payments via phone.
Popular cards:
How to apply for a virtual card online?
If you are already a Raiffeisen Bank client, creating a virtual card is even easier: simply open the app, select the desired card, and get it in just a few clicks.
Card tariffs
Card | Raifcard | ATB Card | Fishka Card |
Transfers | No fees via the MyRaif app | No fees via the MyRaif app | No fees via the MyRaif app |
Monthly Maintenance | No fees | No fees | No fees |
Cash Withdrawal | No fees at any ATM in Ukraine | No fees at any ATM in Ukraine | No fees at any ATM in Ukraine |
Cashback | Up to 20% | Up to 20% | Up to 20% |
Notifications | Instant PUSH notifications | Instant PUSH notifications | Instant PUSH notifications |
Cashless Top-up Without Fees | No fees | No fees | No fees |
Additional Benefits | — | 5% discount on over 700 products at ATB and up to 40% discount on weekly products. | Fishback up to +8 UAH/l on fuel + 5% on purchases at OKKO (excluding tobacco and starter packs) |
Not all available cards for application are presented here; you can learn more about our debit bank cards via the link. Currency cards are particularly popular, so we recommend considering them if you wish to store funds in foreign currency.
What is a virtual card and how does it differ from a physical card?
A virtual card is a type of bank card designed for online payments. It is issued without a physical form, but if you need a plastic card, Raiffeisen can provide it via mail or at a branch. It has all the usual details like a card number, CVV code, and expiration date, but exists only on your smartphone.
Unlike a physical card, you don't have to wait for it; the application process takes only a few minutes. If you need a physical card, you can order it for delivery or pick it up in person.
What are the advantages of virtual cards?
The main advantages of a virtual card include instant issuance without visiting the bank, a high level of security for transactions, support for multiple currencies, the ability to connect to Apple Pay or Google Pay, and bonuses depending on the card type.
How to use a virtual card?
After applying for the card in the app, you need to add it to Apple Pay or Google Pay. You can do this directly in MyRaif.
Open MyRaif, select the card, and tap on it. In settings, choose "Set up Apple Pay" or "Set up Google Pay" and follow the instructions.
How to pay with a virtual card?
Offline payment:
- Choose the item you want to buy..
- Go to the cashier..
- Hold your smartphone or another device up to the terminal.
- Done — payment is processed.
Note: For this to work, the virtual card must be added to Apple Pay or Google Pay. You can also activate payment through MyRaif — simply select the card and tap "Pay by phone."
Online payment:
- During checkout, select card payment.
- Enter the card details: card number, expiration date, and CVV code.
- Confirm the payment.
- You usually need to enter a code from an SMS to complete the transaction.