United States
activeFeaturedBusiness bankingVirtual card
- HQ
- New York
- Fee
- Software + card; pricing by plan
Privacy.com
On-demand US virtual cards so a merchant never holds your real PAN.
Tap a star to jump to reviews
7.2Solid
AlternativesFive questions
At a glance
Is it a bank?
No. Privacy.com is not a bank. Your money sits with Partner bank / BIN sponsor.
If it fails?
Not a deposit account; funded from a linked US bank
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Free personal · paid Pro for more cards / limits
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.2
/10 · Solid
If you are in the US and a merchant has ever leaked a card, this is the control. Ramp is the company version.
What it is
Privacy.com issues virtual Visa cards funded from a US bank account. Each card can lock to a merchant and a limit. It is a privacy and subscription tool, not a bank.
Best for: US users who want a unique card number per subscription.
Last checked 2026-08-01. Not advice.
What it does well
- +The original virtual-card UX
- +Merchant lock
- +Kills leaked PANs
What to watch
- −US-only funding
- −Not Apple Pay on all flows
- −Declines at some merchants
Who holds the money
The account
- Platforms
- Web · iOS · Android
- Account types
- Virtual cards
- Minimum balance
- $0
- Lowest monthly fee
- $0 Personal · paid team plans
- Who can open
- US consumers and teams
- Availability
- United States
How money actually moves
- Who holds the cash
- Issued / held via Partner bank / BIN sponsor
- How money moves
- ACH / USD
- Built for
- Personal · Business
- Settlement
- Card auth in seconds
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Privacy.com lists a virtual card on visa. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Not a deposit account; funded from a linked US bank
Who holds the money: Partner bank / BIN sponsor
- Partner bankCard programme · United States
Fees
- Monthly
- Free personal · paid Pro for more cards / limits
- FX markup
- USD only
- ATM
- N/A
Features
- –IBAN
- ✓Fee-free core
- –Multi-currency
- –Apple Pay
- –Google Pay
- ✓Virtual card
- –Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Merchant-locked virtual cards
- Spend limits
- Pause / close instantly
- Business Pro
Score
- Safety25%
- 7.6
- Fees20%
- 8.8
- Features15%
- 8.0
- App15%
- 8.0
- Global15%
- 3.0
- Support10%
- 7.0
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
Straight answers
FAQ
01Is Privacy.com a bank?
Privacy.com is filed as Card programme. The named regulator is Partner bank. Still read the entity on the statement before you send money.
02What happens to money in Privacy.com if it fails?
Not a deposit account; funded from a linked US bank
03What does Privacy.com charge each month?
The monthly fee on this file is Free personal · paid Pro for more cards / limits. Fees change — open the operator's pricing page if it is linked.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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