Made for German ResidentsVirtual Cards for Germans
Create US-based, virtual credit cards instantly, with no credit checks. Make payments in the USA and worldwide at 175M+ merchants. The best virtual card provider for Germans is Halocard.
USD Virtual CardsFrom $12/month
Rated 4.9/5 by our clients
Halocard is accepted in Germany and at 175M+ merchants globally
“German payment compliance is so strict that my N26 card kept getting blocked on US platforms. With Halocard I have a US credit card that just works with no more verification headaches or decline issues.”
Tobias M.
Product Manager, Berlin
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.
How to get a virtual credit card in 3 simple steps
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 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 German users love Halocard for virtual cards
Virtual cards ready for Apple Pay & Google Pay
Add your virtual cards to Apple Pay or Google Pay. Tap to pay anywhere contactless is accepted in Germany, the US, or anywhere in the world. Halocard works alongside your existing German 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 1.5–3% FX markup at Deutsche Bank, Commerzbank, or Sparkasse.
Virtual USD account included (coming soon)
A virtual USD account for ACH transfers and direct deposits, powered by SSB, Member FDIC. Send funds to your account and they're ready to spend via your virtual cards once settled.
Custom card controls
Set per-transaction, daily, and monthly limits, customise billing addresses, and instantly lock or cancel any card to prevent unwanted charges.
Privacy-first, always
Shield your real account details and personal information when shopping online from Germany. We will never sell your data to advertisers, data brokers, or any third party.
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.
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.
How Halocard compares to German virtual card providers
Feature
Halocard
Revolut
N26
Card type
Availability
Spending limit
Account funding
New virtual cards every month
ID verification required
Acceptance at US merchants
Apple & Google Pay support
Custom billing address
Private purchases
Choose a plan and create your first card in under 5 minutes
Essential
$12/mo
or $120 per year (Save $24)
Unlimited spend
Custom card controls
Apple Pay & Google Pay
Virtual USD account (coming soon)
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
Elite
$59/mo
or $590 per year (Save $118)
Everything in Pro
Priority support (2 hour SLA)
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