One account, every way to pay.

Virtual cards are the quiet workhorses of a modern account. The first one is ready the moment you sign up, and you can create more whenever you like from the Cards screen. Each has its own number, expiry date and security code, completely separate from your physical card, so a leak in one place never exposes everything.

Common ways people use virtual cards:

• Subscriptions. Give each streaming service, gym or software tool its own card, so cancelling is as simple as deleting the card — no more chasing a renewal you forgot about.
• One-off or unfamiliar merchants. Use a single-purpose card for a shop you are trying for the first time, then freeze or delete it once the order has arrived.
• Free trials. Set a low limit on a dedicated card so a “free” trial cannot quietly bill you the full amount later.
• Shared services. Keep household bills on one card and personal spending on another, so your statement reads cleanly without any mental sorting.

Because virtual cards live entirely in the app, you can add them to Apple Pay or Google Pay and start tapping straight away. Lose track of where a number has ended up? Freeze that single card and the rest of your account carries on untouched.

Card control should be instant, and it should be in your hands — not stuck behind a phone queue. From the Cards screen you can manage exactly how, where and how much each card is allowed to spend.

• Freeze and unfreeze. One tap stops a card from being used and another brings it straight back to life. If you have simply misplaced the metal card around the house, freeze it while you look, then unfreeze it when it turns up — no replacement, no fuss.
• Per-card limits. Set daily or monthly spending caps on each card. Keep a tight limit on a card you use for online shopping and a higher one on your everyday card.
• Online and ATM toggles. Switch online payments, contactless, magnetic-stripe payments and cash withdrawals on or off independently. Travelling somewhere you will only pay in person? Turn online payments off entirely.
• Location-based controls. Restrict where a card can be used, so a card you only use at home will not work if a number is skimmed and tried elsewhere.

Every change takes effect immediately, and you get a clear, real-time notification each time a card is used, declined or changed. If something looks wrong, freezing the card takes one tap before you have even finished reading the alert.

If a card goes missing, the first and most important step is always the same: open the app and freeze it. That stops any new transactions immediately. If the card has clearly been stolen or its details compromised, mark it as lost or stolen so it is permanently cancelled and can never be reactivated.

You are never left without a way to pay in the meantime. Issue a fresh virtual card from the same screen, add it to Apple Pay or Google Pay, and keep spending while a new physical card is on its way. Ordering a replacement metal card takes a few taps, and it ships to your registered address.

If you spot a transaction you do not recognise, freeze the card and report it through in-app support, available 24/7. We will help you secure the account and walk you through a dispute or chargeback where one applies. Acting quickly — freezing first, asking questions second — is the single best thing you can do to limit any loss.

Depending on your plan, eligible card spending earns cashback, paid back to your account automatically. Higher plans earn at a higher rate and unlock the metal card, so the more you put through your everyday spending, the more the plan tends to pay for itself. You can see exactly what you have earned in the app, with no points to redeem or hoops to jump through.

For travel, the multi-currency account is the quiet advantage. Hold and spend in 28 currencies, and your card draws from the matching balance when you have one — so a meal in euros comes straight out of your euro balance with no conversion at all. When you do need to convert, you get a clear rate rather than the inflated tourist rate so many cards quietly apply.

• Spend in over 160 countries, anywhere cards are accepted.
• Withdraw cash abroad, with ATM access you can toggle on only when you need it.
• Top up balances before a trip to lock in the amount you will spend in a given currency.
• Get instant notifications on every transaction, so you always know what a foreign charge actually cost.

Fees vary by plan, and the specifics — including any allowances on fee-free ATM withdrawals and weekend conversion rates — are set out plainly on the pricing page and in your plan terms, so there are no surprises when the statement lands.