How to Create a Free Working Virtual Credit Card in 2023

Virtual credit cards are now getting an increasing voluminous rank and increase in the tech world today. They appear to be widely used than physical credit cards because they are easy to get and most of them are free. Virtual credit cards are now used to verify PayPal, subscribe for netflix and do many more things online. Also, these virtual credit cards are used in online stores for purchasing virtual products as well as physical products.

How to create a working virtual credit card for free

Some widely demanded questions are how to get a virtual credit card for paypal verifications, free virtual credit card for netflix, free virtual credit card app, free virtual credit card with money and many more questions. In today’s article we will answer some of these questions and show you how to get a virtual credit card for free without bank and personal information verification.

In some of our posts, we talked of virtual credit cards and how to get virtual credit cards. You can check them right here. Check our Tutorials on Virtual Credit Cards

More so, the best way to get a virtual credit card is by finding trusted virtual credit card providers available in your country such as PayQinNoupia and many others. In some countries such as India, this has become very easy to get due to the availability of many virtual credit card providers.

If you don’t have any cash to purchase trusted virtual credit cards, then continue reading to get the trick on how to get a virtual credit card for free from a trusted provider equally. 

How to Create a Free Virtual Credit card without bank verification

To get a free virtual credit card from a trusted issuer, we will be using Yandex Money. Yandex money is credit card issuer developed by Russian Search engine to provide their citizens with a means of keeping their money virtually in their online wallets.

Due to Yandex money features, it makes Yandex money very suitable to get a virtual credit card. The features of Yandex money Wallet are as follows;

Features of Yandex Money Free Virtual Credit Card

  • No bank verifications 
  • No personal Identity verification 
  • Instant cash back 
  • Shared balance with Yandex Money
  • Cards Support several currencies and so is Multicurrency card: Supports Euros, Pounds, Dollars and my more.
  • Card Issued in few clicks
    • MasterCard or Visa Card Freely Issued
    • Instantly issued in seconds
      • Card can be reissued
  • No charges upon card issuing
  • Issued separately and thus is secure.

Fees and Commissions 

  • Zero charges upon topping up the card
  • Zero charges on servicing
  • 3% commitions are charges on every withdrawal placed on the wallet
  • 3% charges are cut during transfer to another card or wallet
  • Card expires after 1year

Can I use Yandex Money Virtual Credit Card on Netflix?

We haven’t yet tested this card on Netflix but we believe it will work perfectly on Netflix because Netflix flags credit cards that are not active and that are not registered by any issuer so credit cards with no identity and zero balance can’t be accepted by Netflix. So they flag the card as not valid. Netflix verifies every card from the bank identification number and if it is not registered to any bank, then that card will be flag as not valid and thus rejected by Netflix.

Can I use Yandex Money Virtual Credit Card to Verify PayPal?

Yes, we tested this card on PayPal and it does works well. You just need to provide a working address for the card on PayPal. You can generate any russian random address and enter as the card address and it will work just fine. But still, even accepted by PayPal, you will need to top up the card in order to verify the account with PayPal. If you dontdon’t do, so, your transaction with PayPal will be limited because they were not able to verify if your card is Valid or not.

Can Yandex Money Virtual Credit Card be used in any Country?

Yes, this credit card can be used in any country world wide. Let me show you how to get one and start using it instantly.

How to get a Free Virtual Credit Card with Yandex Money

Obtaining this credit card is a little complicated without proper guide as and steps. So before we dive into the procedure, nake sure you have the below requirements which are all very important for this to be a success.

Yandex Money have updated their site look and so every new and old visitor might get lost on the site or will not know where to go as compared to the previous look. So we are here to guide you to obtain a free virtual credit card with Yandex Money or YooMoney.



  • On your navigation device open your browser and go to the website and click on create wallet like on the screenshot below.
How to create a free virtual credit card 2023
  • Now you will be taken to a page asking you to verify your number. You just enter your mobile number for verification. If you want to verify with a virtual phone number, then use this virtual phone number method
  • More so, I will advice you to use a personal phone number. This is important because this is where all of your verification codes will be sent.
How to create a virtual credit card for free
  • On the next page after you must have entered the code to verify your phone number, you will need to enter your working email address. Enter it and verify it.
free virtual credit card application 2023
  • After you must have verified your email address, you will need to create a password for your account as shown in the screenshot below.
Free virtual credit card app 2023
  • Account has been created successfully. You will be redirected to your dashboard and it won’t be in English but in Russian language. So this is where chrome intervenes with google translate to automatically translate the page to your desired language. So, make sure you use a browser such as chrome that automatically translate pages to your language.
  • On you dashboard click on Bank cards on the navigation bar above as shown in the screenshot below.
How to get a free virtual credit card in 2023
  • On the next page, scroll up till you get to the step of YuMoney Card and click on more details. As indicated on the screenshot below.
Best free virtual credit card
  • On the next page, you will be you will have to click on button Get a Virtual Card as indicated in the screenshot below.
Best free virtual credit card 2023
  • On the next page, you will be provided with two credit card types to chose one from. So, you chose either Visa or MasterCard all depends on you and you click on Next.
How to get a working virtual credit card in 2023
  • A text message with a confirmation code will be sent to your mobile number you used during registration in the previous steps. So enter the code and pass that step.
How to get a working virtual credit card for free
  • And you will receive a confirmation message that your card has been created successfully and can now be accessed in the Bank Cards section.
Free working virtual credit card
  • But the card is limited only to Russian shops and online boutiques. To remove this limitation, you can top up your account or purchase their paid cards.
Free working virtual credit card

To view the details of your credit card, you need to enter a confirmation code sent to your mobile number each time you wish to view the credit card. 

This credit card works pretty well on many sites and to explore its full functionalities, consider topping the card up.

How to transfer money to and from a Yandex Virtual Credit Card

Money can be transferred using internet connection from your personal bank or any bank, to and from a Yandex Virtual Credit card. Transfer fees are free from Yandex credit card. Fund will appear after 2 to 5 business days on the card.

Yandex is very secure wallet so fear not to register an account and obtain your free virtual credit card now.


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