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.
Rate this app
7.2Solid
AlternativesOur take
Desk verdict
If you are in the US and a merchant has ever leaked a card, this is the control. Ramp is the company version.
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.
Privacy.com lists Card programme under Partner bank in United States. On safeguarding we currently write: Not a deposit account; funded from a linked US bank. Holder / issuer line: Partner bank / BIN sponsor. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Free personal · paid Pro for more cards / limits; FX USD only; ATM N/A. This desk would open it for: US users who want a unique card number per subscription.
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. Desk score 7.2 / 10 (safety 7.6, fees 8.8, features 8.0, app 8.0). Last verified 2026-08-01. Headquartered in New York, United States; founded 2015. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: US users who want a unique card number per subscription.
Pros
- +The original virtual-card UX
- +Merchant lock
- +Kills leaked PANs
Cons
- −US-only funding
- −Not Apple Pay on all flows
- −Declines at some merchants
Account facts
- 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 it actually works
- Custody
- Issued / held via Partner bank / BIN sponsor
- Local rails
- ACH / USD
- Built for
- Personal · Business
- Settlement
- Card auth in seconds
- Review risk
- Fintech reviews can pause inbound while they check a transfer
- Pay surface
- visa · virtual
Safety
Not a deposit account; funded from a linked US bank
Holder / issuer: 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
FAQ
Is Privacy.com a bank?+–
Privacy.com is not a licensed deposit-taker in the classic sense. Money, if any, sits with Partner bank / BIN sponsor.
How is money protected?+–
Not a deposit account; funded from a linked US bank
Where is Privacy.com available?+–
We list 1 market desk on the desk. Residency and onboarding rules still sit with Privacy.com.
Card and wallets?+–
visa · virtual
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
Alternatives
Full alternatives page
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