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What is a Virtual Card?
What is a Virtual Card?
Updated over a week ago

Open your KOHO app and select My cards. As well, you can also find your card details on the KOHO web portal by clicking the eye symbol beside the card. That's where you'll find your Virtual Card 🛍️

To start spending right away, add it to Apple, Samsung, or Google Pay or use it for your online shopping.

Hear from our Financial Coach, Sherry, on why you should use a Virtual card 👇

What are the perks of a Virtual card?

  • For new users: you can start adding funds and shopping online while you wait for your physical card to arrive in the mail

  • For all users: no need to budge from your couch to make an online purchase! Just use your Virtual card instead of getting up to find your wallet. Plus, it uses a different card number to help protect your physical card number when you’re shopping or booking services online

  • For additional info check out our blog: 4 Reasons you should use a Virtual Card when online shopping

How do I get one?

You will automatically receive one upon completion of activating your new KOHO account.


  • Once logged in, click on the eye symbol beside your card to display your virtual card details


  • Click on My cards in-app to see your card details. To see your Virtual or physical card number, tap “See Card Number” and it will be securely displayed

How do I add my Virtual card to my digital wallet?

Find the steps for:

Note: If you're ever travelling and you aren't able to view your Virtual card, don't be alarmed. Our processor blocked the virtual card in some countries to protect your information! 

How do I replace my Virtual card?

With KOHO, you can have total control over your Virtual card. To replace your Virtual Card, you'll need to do so in-app:

  1. Navigate to "My cards"

  2. Tap on the Virtual card

  3. Look for the words "Need a replacement"

  4. Hit "Request one" to make the change official

  5. Done! Your new Virtual card is ready to rock 🚀

Please note that if you're replacing a card to cancel a recurring subscription, you must contact the merchant directly to remove your card details, as it may still be charged due to Mastercard's tokenization feature.

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