Are Virtual Credit Cards Safe?

In general, yes—virtual credit cards are safer than using your main card number everywhere online.

They reduce how often your real card number is shared, and some providers let you replace virtual details if there’s a problem.

But they’re not magic: you still need to watch for scams, keep your devices secure, and monitor your transactions.

How KOHO Essential Fits In

If you like the idea of safer online spending but don’t want to juggle traditional credit card debt, with KOHO Essential:

• It has a low monthly plan fee that can be waived when you set up direct deposit or add +$1,000.

• Use a prepaid Mastercard® for groceries, bills, subscriptions, and travel.

• Get your virtual card, it's instant approval, secure, and convenient

• Grow your savings with a 2% interest savings rate on your entire balance.

• Earn 1% cash back on groceries, eating & drinking, and transportation.

• You can subscribe to Credit Building for $10/month, it's an affordable way to build your credit history.

• Enjoy unlimited transactions and free e-transfers (never worry about fees when sending money to someone again).

Why Virtual Cards Are Safer Than Using One Number Everywhere

Virtual cards help by:

• Keeping your main number private – merchants get a virtual card number instead of your primary one.

• Sometimes letting you replace or disable virtual card details if there’s suspicious activity.

• Reducing damage if one website gets hacked or leaks card info.

They’re especially useful for:

• New or unfamiliar online stores

• Free trials and subscriptions

• Services you may cancel later

What They Don’t Protect You From

Virtual cards can’t fix:

• Phishing scams – if you type your details into a fake site, it’s still a problem.

• Malware on your device – if your phone or computer is compromised, attackers can still capture info.

• Overspending – they protect your number, not your budget.

That’s why some people pair safer card tech (like virtual details or prepaid cards) with better money tools and limits.

How to Use Virtual Cards Safely

Even with virtual cards, you should still:

• Shop on trusted, secure sites (look for https and well-known brands).

• Avoid saving card details on every website if you don’t need to.

• Turn on alerts or notifications for card transactions.

• Check your app regularly and report anything that looks off right away.

Virtual cards are a strong extra layer, but they work best as part of an overall safe setup—not your only line of defence.