Designed for UK residentsVirtual Cards for UK Residents
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 UK residents is Halocard.
USD Virtual Cards
Global Acceptance
Instant Approval
“Every streaming service I wanted required a US card, and my UK Visa card kept getting rejected. Within minutes of signing up for Halocard, I had a proper US card with billing address and everything just worked.”
James T.
Freelancer, London
Already have a UK bank card? Here's why you need Halocard
Real Visa credit cards issued from the USA
UK neobanks issue virtual debit cards that are often declined by US merchants, streaming platforms and ad networks. With Halocard you can create virtual credit cards directly on the US Visa network.
More virtual cards for every purchase
Create dedicated cards for retail purchases, online subscriptions and advertising spend. Isolate costs and prevent billing surprises.
US billing address included
Every card comes with a US billing address (or choose to nominate your own) which is essential to access US-only services like Amazon US, Hulu, HBO Max, etc.
Private purchases separate from your bank
Halocard doesn't connect to your UK bank via Plaid or Open Banking. Your spending never appears on your Barclays, HSBC, or Monzo statement keeping your purchases private.
Why do UK debit cards often decline at US merchants?
Virtual debit cards from UK neobanks like Revolut, Monzo, and Wise are often declined by US merchants as foreign cards with no US billing address. Halocard solves this problem with US-issued Visa credit cards that process as domestic transactions, reducing the risk of declines.
10.2%
Average decline rate for debit cards. Cross-border transactions have an even higher failure rate of 15–25%.
3.8%
Average decline rate for credit cards. Domestic credit cards have higher acceptance and solve these problems.
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 UK 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 the UK, the US, or anywhere in the world. Halocard works alongside your existing UK 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 2.75–3% FX markup at HSBC, NatWest, or Barclays.
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
Your purchases are nobody's business. Halocard keeps your subscriptions and spending separate from your UK bank accounts.
Privacy-first, always
Shield your real account details and personal information when shopping online from the UK. 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
Protect your information online with custom billing addresses for every card.
3D-Secure Authentication
Every transaction is protected by Visa 3D-Secure to keep your cards safe from unauthorised use.
No apps to download
Your Halocards are accessible from your phone or desktop with no app download required.
How Halocard compares to UK virtual card providers
Feature
Halocard
Revolut
Wise
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
Core
12 cards
$12/mo
or $120 per year (Save $24)
Unlimited spending
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
OpenClaw integration
Plus
30 cards
$29/mo
or $290 per year (Save $58)
Unlimited spending
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
OpenClaw integration
Teams
60 cards
$59/mo
or $590 per year (Save $118)
Unlimited spending
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
OpenClaw integration
Full API Integration
2-hour Support SLA
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Start using Halocard virtual cards from the UK today
USD Virtual CardsGlobal AcceptanceInstant Approval