Personal financesPublished

Become 100% digital without plastic: This is how to use a virtual card

Get the same benefits as with a bank card, but remove the physical part: at Lunar you can get an account and a card entirely digitally - and it’s for free. Get nine reasons of why you should start using a virtual card.


The cards are digital, can be used with Apple Pay and Google Pay and are safer when you shop online. They are virtual and provide a perfect way to handle your money without physical cards that are bad for the environment when produced and delivered.

At Lunar you can try an entirely virtual card and get an account for free . It’s a new and safer way to consume.

In contrast to a physical bank card made of plastic that you can have in your wallet, a virtual bank card exists digitally only. It has a dynamic safety code (CVC) that is randomly generated and updated every hour. You can use the same card multiple times and delete and create new cards whenever you want.

Tips 💡 You can add your virtual card in Apple Pay or Google Pay to make it even easier to use.


You want a world with less plastic

Instead of ordering several physical cards in plastic, it makes a lot more sense to use digital alternatives. You can also add your virtual card in Apple Pay or Google Pay through the Lunar app, which makes the card even easier to use. More cards, less plastic. That’s how we like it!

If you still need a physical card, Lunar is currently switching all Standard - and Premium -cards to cards made of biodegradable plastic which is made of 57% sea salt. We’re doing this together with our users on a mission to clean the oceans from plastic every time we use our cards.

If you want to participate, check out Project Blue here.

Fraudsters keep finding new ways to trick you

Criminals keep finding new ways to lure your information and you can actually end up with the bill if you don’t protect your personal information. 

There is fraud with payment cards for more than 13 billion DKK in Europe every year and if you find a must-have in a new kind of online shop it can be a good idea to be careful and create a virtual card before the purchase.

It’s a hassle to get a new card

If you’ve been the victim of card fraud you of course need a new card. That can be a hassle. In the Lunar app you can freeze and unfreeze your card with a swipe, but it still takes several days for a new physical card to be delivered by mail.

You love free trials, but you forget to cancel

You probably know all about it. You want to try out a new exciting service for free the first month - and then you forget all about it, don’t really use it and forget to cancel the subscription. It’s a classic, and that’s why it’s clever to subscribe with a virtual card. That way you can easily manage and cancel your subscription and delete your virtual card when the free trial expires.

You don’t have an overview of all your digital subscriptions

One thing is free trials, but a virtual card is also an obvious choice for managing all your digital subscriptions like streaming services and media. That way you’ll get a full overview and can easily manage which ones you can’t live without.

Use one virtual card for online purchases and another one for your subscription services.

It’s a smart choice to use separate accounts for food delivery and online grocery shopping

Everyone does not love budgeting. And even if you actually have a budget, it can be hard to live by. So control your spending with a separate virtual card instead.

You don’t want pleasures to become addictions

Do you like to gamble online but would like to keep yourself on a leash? A virtual card can come in handy. Whether you are into poker, casino or sport betting a virtual card will both protect you from fraud and can quickly be deleted if you want to limit your gambling.

You’ll get your virtual card before your physical are shipped

As soon as you’re approved in Lunar you can create a virtual card. So you don’t have to wait for your the mailman before you can get started moving subscriptions, using your card online and budgeting. As easy as it gets.

Can’t wait to get your hands on a virtual card? Get the app here and try it out.

Do like 500,000 others, get Lunar now

Sign up for Lunar and get a free account and digital card, so you can pay with Apple Pay and Google Pay. You can even try Lunar without leaving your current bank.