How your GoTyme Bank virtual card works and how to block or replace it

Thinking about using a GoTyme Bank virtual card for online shopping or your monthly subscriptions? Good news: it lives right in your app, so there's no plastic and no waiting. Here's how it works, and what to do if you ever need to block or replace it.

A virtual card is a digital debit card that sits in your GoTyme Bank app. You can use it for online shopping and subscriptions, or add it to your phone's wallet. It lets you pay locally and internationally with no extra fees or mark-ups.

There's just one difference from a plastic card. You can't tap a virtual card in a store, because it's made for digital use only.

If you need to block or replace your virtual card, you can do this yourself, right in the app.

• Go to your card dashboard,
• tap the card,
• choose to block it.
• Then create a new one, which gives you fresh card details for your next online purchase or subscription.

Good to know: Blocking the card doesn't cancel a subscription. You still need to cancel that with the merchant directly.

GoTyme Bank doesn't adjust transaction limits linked to your profile. So if a payment gets declined, it might not be the limit at all. It could be down to your available balance, held funds or the merchant's own checks.

We're always here to help

That covers the basics of living with a virtual card. Chat to us on WhatsApp at 0860 999 119 or through in-app chat. We will never ask for your PIN, full password or a one-time password.