Designed for UK residentsVirtual Cards for UK 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 UK residents is Halocard.
Takes less than 5 minutes
“Every streaming service I wanted required a US card, and my UK Visa card kept getting rejected. Within minutes of signing up for Halocard, I had a proper US card with billing address and everything just worked.”
James T.
Freelancer, London
Already have a UK bank card? Here's why you need Halocard
Real Visa credit cards issued from the USA
UK neobanks issue virtual debit cards that are often declined by US merchants, streaming platforms and ad networks. With Halocard you can create virtual credit cards directly on the US Visa network.
More virtual cards for every purchase
Create dedicated cards for retail purchases, online subscriptions 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, etc.
Private purchases separate from your bank
Halocard doesn't connect to your UK bank via Plaid or Open Banking. Your spending never appears on your Barclays, HSBC, or Monzo statement keeping your purchases private.
Why do UK debit cards often decline at US merchants?
Virtual debit cards from UK neobanks like Revolut, Monzo, and Wise are often declined by US merchants as foreign cards with no US billing address. Halocard solves this problem with US-issued Visa credit cards that process as domestic transactions, reducing the risk of declines.
10.2%
Average decline rate for debit cards. Cross-border transactions have an even higher failure rate of 15–25%.
3.8%
Average decline rate for credit cards. Domestic credit cards have higher acceptance and solve these problems.
How to get a virtual credit card in 3 simple steps
1. Sign-up with your phone
Sign up from your browser. No app download needed.
2. Complete a quick identity check
Verify you're a real person. 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 UK 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 the UK, the US, or anywhere in the world. Halocard works alongside your existing UK 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 2.75–3% FX markup at HSBC, NatWest, or Barclays.
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 UK 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 UK virtual card providers
Feature
Halocard
halocard.co
Revolut
revolut.com
Wise
wise.com
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
Core
Up to 12 cards per month
$12/mo
or $120 per year (Save $24)
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 30 cards per month
$29/mo
or $290 per year (Save $58)
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