Physical Cards vs Virtual Cards: Which is Better For You?

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In today's digital age, paying for things has gone beyond using physical cards to virtual cards. But the question is, which of these options suits your needs better? In this article, we'll discuss the pros and cons of both physical and virtual cards to help you make an informed decision.

Physical Cards

Physical cards have been around for ages, and they offer a tangible link to your money. When you hold your card in your hand, it feels safe and makes you comfortable because you know it's a familiar way to handle your money. You can use it by swiping in stores or typing its numbers online. It offers a tangible sense of control over your money.

Virtual Cards

Virtual cards are like digital copies of physical cards. They come with numbers, dates, and codes you can use for online payments. Virtual cards are very convenient and safe to use especially when shopping online.

Physical Cards vs Virtual Cards


Physical Cards

Virtual Cards


Holding your card makes you feel like your money is secure.

It is not tangible.


You can use it anywhere; stores, ATMs, etc.

They can't be used everywhere, as some places don't like online cards.


It is very good for emergencies. You can easily make payments even without the internet.

You can’t make payment without the internet.


Can get lost easily.

It is safe and more secure.


Carrying it around can be an inconvenience.

It is very convenient to use, especially for online purchases.


Might cause you to overspend.

You can set limits and control how much you spend.

What Are The Benefits of a Virtual Debit Card?

Verve Virtual Cards offer several perks and benefits like enhanced security, convenient online shopping, budgeting, privacy, easy management, and international transactions.

Some of the features include:

Can You Use Virtual Cards at ATMs?

Verve Virtual Cards are primarily designed for online transactions and are typically not meant for ATMs.

Do You Need a PIN For a Virtual Card?

When using a Verve Virtual Card, you need a Personal Identification Number (PIN) if the virtual card is linked to a debit or prepaid account.

Can I Use my Virtual Card Without The Physical Card?

No physical card is needed when using a Verve virtual card, making them more convenient for digital-first transactions.

Which is Better: Virtual or Physical Card?

The choice between physical virtual cards ultimately depends on your lifestyle and preferences.

Choose a Verve Physical Card: If you value familiarity, versatility, and the ability to make in-store purchases and ATM withdrawals without reliance on digital devices.

Choose a Verve Virtual Card: If you prioritize enhanced security, online shopping convenience, and effective budgeting tools for your digital transactions.

In either case, Verve Cards offer reliability and a trusted payment network, ensuring that your financial transactions are safe and seamless. As technology continues to evolve, so do our payment options. Whether you opt for a Verve physical card, rest assured that you’re making a choice that aligns with your unique needs and preferences.


Choosing the right card for your needs is essential. If you are ready to experience the convenience and security that Verve Cards offer, reach out to your bank today to explore your options. Whether you’re interested in a Verve Physical Card or Virtual Card, take the next step to elevate your payment experience and protect your financial well-being.

Get your Verve card now!