Panda virtual cards
A virtual card is issued in seconds from your Panda balance, so you can pay online wherever virtual cards are accepted without waiting for plastic in the post.
Issued in seconds, from your own balance
The card draws on the balance you already hold in Panda, so funding and spending live in the same place. There is no separate top-up flow to keep track of.
Because it is virtual, the card details are available in the app the moment the card is created, and you can review card activity next to your other transactions.
Card controls and security
Card actions can pause when your KYC needs review, when your account is under a temporary security hold, or when the card provider applies its own checks. The app tells you which of those applies instead of leaving you guessing.
Panda accounts are protected with verification, password controls and 2-step verification. Never share OTP or authenticator codes with anyone.
Where virtual cards are accepted
Virtual cards work at merchants that accept card payments online. Some merchants restrict prepaid or virtual card products, which is a merchant-side rule rather than a Panda setting.
Availability of card issuance depends on your country and verification level.
Frequently asked questions
Why is my card service unavailable?
Card actions may pause if your KYC needs review, your account is under a temporary security hold, or the provider is applying card-specific checks.
How long does it take to get a Panda virtual card?
The card is issued in seconds from inside the app once your account meets the required verification level.
Can I spend digital assets directly with the card?
The card spends the balance held in your Panda wallet, so you decide what is available to spend before you pay.
Why is my available balance different from my transaction amount?
Pending settlements, fees, temporary holds, or recently initiated transactions can affect the amount currently available to spend or withdraw.
Explore more
Get the Panda app
Free on Google Play for Android. Panda is free to open, with no subscription and no monthly fee.