Digital cards are issued online and, in terms of their functionality, are analogous to plastic ones: they can be used to make transfers, payments on the Internet, and also upload to mobile wallets (Apple Pay, Samsung Pay, etc.) for paying in offline stores or withdrawing cash in ATM, if the device is equipped with contactless technology. If necessary, a plastic carrier can be ordered for the digital card.

Banks also issue virtual cards, which are analogous to electronic wallets. They differ from digital cards in that they can be used not only by bank customers, but also by those people who have not been fully identified in a credit institution.

Pros and cons of digital and virtual cards

Pros:

The advantages of a digital card include instant issuance, activation and the impossibility of losing it.

Virtual cards (which do not require full identification of the client) can be issued in those regions where there are no branches of some banks. For citizens, this increases the availability of financial services; for banks, it allows them to attract new users of payment services without investing in infrastructure development. The number of such clients directly affects the commission income of credit institutions from making payments.

It is safe to pay with virtual cards on the Internet, since you do not need to enter the data of the main bank card. This eliminates the possibility of them falling into the hands of scammers.

Cons 

Not everywhere you can withdraw cash from digital cards: not all ATMs are equipped with contactless technologies yet. For virtual cards, this option is completely unavailable due to legal restrictions.

Difficulties may arise when paying for purchases in foreign countries with a low level of distribution of contactless POS-terminals in retail outlets.

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