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Virtual cards

Get free virtual multi-currency cards to use for online payments, and with digital wallets, pay in person using your smartphone, smartwatch, and more.
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How we keep your money safe
Because FairFX accounts don’t fall under FSCS, your money is protected via safeguarding. We hold your funds in specially designated, safeguarded bank accounts, which keep them separate from our other assets. Please see FAQs for more information.

What are virtual cards?

Virtual cards are digital versions of the plastic FairFX cards you might already have in your wallet, recommended for making payments that you know will always take place online.

However by assigning to a person on your FairFX account, you can also use virtual cards with digital wallets, allowing in-person purchases using personal devices such as smartphones and smartwatches.*

*Available exclusively to ‘Standard’ account customers.
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Virtual cards
Make in-person payments using your personal devices such as smartphones, smartwatches, and more.*
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Instant-issue
Get instant access to virtual FairFX cards, ready to spend whenever you are.
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20 major currencies, no plastic
Virtual cards from FairFX are digital and plastic-free, making them a more sustainable and environmentally conscious choice for your spending at home and abroad.
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Pricing and fees

Here you can see a full list of fees for our multi-currency card.
Cards
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    Free first card order

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    Free replacement card for the first replacement, £6 for subsequent ones

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    Free card renewal

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    Free monthly management fee

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    £2.00 per month expired card administration fee (or other currency equivalent) on expired cards with leftover balances

Transactions
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    Free in one of the 20 supported currencies

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    2.25% fee applied for any other currency

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    Over the counter cash withdrawals cost a £2.00 flat rate + 3.75% of the transaction amount

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    Point of sale, free when in one of 20 currencies

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    £1.00 fee for UK and International ATM withdrawals

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    £5.00 GBP to GBP transfer fee (refund fee)

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    Free card load fees

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    £0 international payment fees

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human support

Our UK-based customer service team is on-hand to give you real, human support through live chat (Mon-Fri, 09:00-17:00) or by email 365 days a year.
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FairFX is a trading style of Equals Money PLC (Registered in England & Wales No. 05539698). Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St, London, EC4V 3BJ. Equals Money PLC is authorised and regulated by the Financial Conduct Authority to provide payment services (FCA No. 488396). Card numbers beginning with 539250 or 533919 are issued by Valitor Limited pursuant to licence by Mastercard International Inc. Valitor Limited is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (FCA No. 900688). Card numbers beginning with 558047 or 549619 are issued by Equals Money International Limited pursuant to licence by Mastercard International Inc. Equals Money International Limited is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (FCA No. 900493). Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.