# Your Virtual Card

> Ouvrez votre application  KOHO  et  sélectionnez limage de la carte dans le coin supérieur droit  Vous pouvez également trouver les détails de votre carte sur

Source: https://help.koho.ca/en_us/your-virtual-card-S10c5iqIx

Last updated: 2026-08-11T14:05:32.588Z

## **What is a Virtual Card?**

Your Virtual Card makes it easy to start spending without waiting for your physical card. You can add funds and shop online right away while your physical card is on its way.

Your Virtual Card is great for online purchases, subscriptions, and booking services. It also uses a different card number from your physical card, helping protect your physical card details when shopping online.

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## **How do I get a Virtual Card?**

You’ll automatically receive a Virtual Card once your new KOHO account is created.

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## **Where can I find my Virtual Card?**

You can find your Virtual Card in the KOHO app or on the KOHO web portal.

**In the KOHO app:**

1.  Open your KOHO app
2.  Tap on your card
3.  Select your Virtual Card
4.  Tap **See details** to securely view your card details.

**On the web portal:**

1.  Log in to your KOHO account
2.  Click **Cards** on your home screen
3.  Select your **Virtual Card** to view your card details

Once you have your Virtual Card, you can start using it right away for online shopping or add it to Apple Pay, Google Pay, or Samsung Pay.

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## **Can I customize my Virtual Card design?**

Yes, KOHO members can choose from exclusive Virtual Card designs directly in the KOHO app.

To change your Virtual Card design:

1.  Open your KOHO app
2.  Tap on your card
3.  Select your Virtual Card.
4.  Tap **Change Card Design**
5.  Pick your preferred design

Please note that card designs can be viewed on the web portal, but they can only be changed in the KOHO app.

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## **How do I add my Virtual Card to my digital wallet?**

You can add your Virtual Card to:

*   [Apple Pay](https://help.koho.ca/en_us/how-do-i-set-up-apple-pay-ryTqjqLbe)
*   [Google Pay](https://help.koho.ca/en_us/how-do-i-set-up-google-pay-Symaqj5LZg)
*   [Samsung Pay](https://help.koho.ca/en_us/how-do-i-set-up-samsung-pay-S1l6qj5IWl)

Follow the steps in your KOHO app to add your card to your preferred digital wallet.

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## **Why isn’t my new design showing in my mobile wallet?**

If you changed your Virtual Card design and it isn’t showing in Apple Wallet, Google Pay, or Samsung Pay, try removing your KOHO card from your digital wallet and adding it again.

If that doesn’t work, make sure to fully remove the card from your wallet archives before adding it again. This should correctly refresh the card design.

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## **How do I replace my Virtual Card?**

You can replace your Virtual Card directly in the KOHO app or on the web portal.

1.  Go to **Cards**
2.  Select your **Virtual Card**
3.  Select **Replace card**
4.  Follow the prompts

Your new Virtual Card will be ready to use once the replacement is complete.

**Note:** Virtual Card replacements are limited to once every 30 days.

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## **Will replacing my Virtual Card stop a subscription?**

Not always. Replacing your Virtual Card may not stop recurring charges from merchants or subscriptions.

When you add your card to a service like Uber, Netflix, or another merchant, they may use a secure digital token instead of storing your actual card number. In some cases, this token can continue to process charges even after your card is replaced.

To stop future charges, you should cancel the subscription or remove your card directly with the merchant.

If you see a charge you don’t recognize or believe a transaction is unauthorized, you can report it directly in the KOHO app:

1.  Go to your **Transactions**
2.  Select the transaction
3.  Tap the three dots **(...)** or **More**
4.  Choose **Report an issue**
5.  Follow the prompts to submit your dispute

Our team will review the report and help with the next steps.

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## **Travelling?**

If you’re travelling and can’t view your Virtual Card, don’t worry. In some countries, Virtual Card access may be blocked by our processor to help protect your card information. 

For more information, see [Using the KOHO app while travelling](https://help.koho.ca/en_us/can-i-access-the-koho-app-while-travelling-Skfyoj9Lx).