Designed for GermansVirtual Cards for German Residents
Create US-based, virtual credit cards instantly, with no credit checks. Make payments in the USA and worldwide at 150M+ merchants. The best virtual card provider for German residents is Halocard.
Takes less than 5 minutes
“German payment compliance is so strict that my N26 card kept getting blocked on US platforms. With Halocard I have a US credit card that just works — no more compliance headaches or currency issues.”
Tobias M.
Product Manager, Berlin
Already have a German bank card? Here's why you need Halocard
Real Visa credit cards issued from the USA
Germany has one of the strictest payment compliance environments in Europe. EU-issued debit cards are often declined by US merchants due to cross-border inconsistency and BIN restrictions. With Halocard you create virtual credit cards directly on the US Visa network.
More virtual cards for every purchase
Create dedicated cards for SaaS subscriptions, online shopping, and advertising spend. Isolate costs and prevent billing surprises.
US billing address included
Every card comes with a US billing address (or choose to nominate your own) which is essential to access US-only services like Amazon US, Hulu, HBO Max, and more.
Private purchases separate from your bank
Halocard doesn't connect to your German bank. Your spending never appears on your Deutsche Bank, Commerzbank, or Sparkasse statement.
Why do German cards get declined at US merchants?
Germany has one of the strictest risk and compliance environments in Europe for payment processing. EU card BINs trigger cross-border inconsistency flags, EUR/USD conversion adds friction, and German cards often fail US address verification. As Europe builds its own payment infrastructure (Wero), compatibility gaps with US merchants grow. Halocard bypasses all of this.
15–25%
Higher decline rate for EU cards at US merchants compared to domestic US cards, driven by Germany's strict compliance environment.
43.5M
Wero users in Europe — as Europe builds its own payment system, German cards face increasing incompatibility with US infrastructure.
How to get a virtual credit card in 3 simple steps
1. Sign-up with a phone
Sign up from your browser. No app download needed.
2. Quick identity check
Verify you're a real person in less than 3 minutes. No SSN or US residency required.
3. Add funds to your account
Use stablecoins, debit/credit card or ACH/SWIFT bank transfer (coming soon).
Your virtual card is ready.
That's it! Your virtual cards can now be used for online and in-person purchases anywhere in the world where Visa is accepted.
Why German users love Halocard for virtual cards
Apple Pay & Google Pay ready
Add your virtual cards to Apple Pay or Google Pay. Tap to pay anywhere contactless is accepted in Germany, the US, or anywhere in the world. Halocard works alongside your existing German cards in the same wallet.
Zero FX on USD purchases
Pay with USD virtual cards at US merchants with no foreign exchange fees. Compare that to the 1.5–3% FX markup at Deutsche Bank, Commerzbank, or Sparkasse.
Custom card controls
Set per-transaction, daily, and monthly limits. Get real-time alerts and instantly lock or cancel any card to prevent unwanted charges.
Private purchases
Your purchases are nobody's business. Halocard keeps your subscriptions and spending separate from your German bank accounts.
Global acceptance
US-based Visa credit cards accepted at 150M+ merchants worldwide. No US residency or SSN required to sign up.
Made with ❤️ to provide the virtual card experience you deserve
Instant funding
Top-up with stablecoins, card payments and US/Global bank transfers (coming soon).
Instant card creation
Virtual cards ready to spend in seconds for your purchases and subscriptions.
No apps to download
Your Halocards are accessible from your phone or desktop with no app download required.
Freeze on demand
Lock any card instantly or cancel it permanently if something feels wrong.
Real-time visibility
See every charge as it happens and get alerts before fraud ever hits your account.
Private purchases
Never worry about purchases showing up on your primary bank statement.
How Halocard compares to German virtual card providers
Feature
Halocard
Revolut
N26
Card type
Account funding
New virtual cards every month
Acceptance at US merchants
Apple & Google Pay support
US billing address
ID verification required
Private purchases
Choose a plan and create your first card in under 5 minutes
Starter
Up to 3 cards per month
$6/mo
or $50 per year (Save $10)
Unlimited spending
Custom card controls
Apple Pay & Google Pay
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
OpenClaw integration
Plus
Up to 12 cards per month
$12/mo
or $100 per year (Save $20)
Unlimited spending
Custom card controls
Apple Pay & Google Pay
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
OpenClaw integration
Teams
Up to 60 cards per month
$59/mo
or $590 per year (Save $118)
Unlimited spending
Custom card controls
Apple Pay & Google Pay
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
OpenClaw integration
Full API Integration
2-hour Support SLA
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