Seamless on GrapheneOS
I use Halocard on GrapheneOS and it's been a very seemless experience. Support is great (I have went to them with some questions before), and I have yet to run into an issue.
Jeff, Canada
Accepted in GermanyPrivate & Secure Virtual Cards
Create virtual Visa cards for online and in-person payments in Germany, the USA and wherever Visa is accepted. Keep your transaction history private & personal data protected with Halocard.
Trusted by 3,557 people around the world
1 of 10. Jeff, Canada. Seamless on GrapheneOS
Accepted at 175M merchants worldwide
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.
Nominate a US billing address
Nominate a US billing address (or any custom address worldwide) on any card, essential for accessing 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.
Secure and reliable virtual cards with no hidden fees
Card types
Spending
Controls
Payments
3 steps to create your virtual credit card
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 US residency required.
3. Add funds to your account
Use stablecoins, debit/credit card, or bank transfer (1%).
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.
Choose a plan and create your first card in under 5 minutes
Essential
3 Virtual Cards
$12/mo
or $120 yearly (Save $24)
✨ Annual plans unlock:
2 Disposable Cards /mo
1 Physical Halocard
Spend up to $1M per day
Apple Pay & Google Pay
Limit, lock or cancel cards
Customizable billing address
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
Pro
12 Virtual Cards
$15/mo
or $150 yearly (Save $30)
✨ Annual plans unlock:
6 Disposable Cards /mo
1 Physical Halocard
Everything in Essential
Virtual USD Account (coming September)
Elite
60 Virtual Cards
$75/mo
or $750 yearly (Save $150)
✨ Annual plans unlock:
12 Disposable Cards /mo
3 Physical Halocards
Everything in Pro
Priority support (2 hour SLA)
Want Halocard for FREE?
Every person who joins via your referral link earns you a commission of $5 - $25 every month (up to $100 for businesses). Refer as few as 3 people and the Essential plan pays for itself. Refer beyond that and Halocard starts becoming serious income.
How Halocard compares to German virtual card providers
Feature
Halocard
Revolut
N26
Card type
US Credit
EU Debit
EU Debit
Availability
Global
EU residents only
Global
Spending limit
None
Account limit
Account limit
Account funding
Card, Crypto, Stablecoins & Bank Transfers
Bank transfer
Bank transfer
New virtual cards every month
12 / 30 / 60
4
1 (free tier)
ID verification required
Yes
Yes
Yes
Acceptance at US merchants
Excellent
Limited
Limited
Apple & Google Pay support
Yes
Yes
Yes
Custom billing address
Yes
No
No
Private purchases
Yes
No
No
Comparison reflects publicly available information as of May 2026. Competitor details subject to change.
Made with ❤️ to provide the virtual card experience you deserve
Instant funding
Top-up with stablecoins, card payments, or bank transfers in USD, EUR or GBP.
Instant card creation
Virtual cards ready to spend in seconds for your purchases and subscriptions.
Freeze on demand
Lock any card instantly or cancel it permanently if something feels wrong.
Custom billing address
Nominate a custom billing address in the US or anywhere in the world, for every Halocard.
3D-Secure Authentication
Visa 3D-Secure is supported whenever a merchant requests it to prevent fraud.
No apps to download
Your Halocards are accessible from your phone or desktop with no app download required.
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