Virtual prepaid cards

Virtual Visa and Mastercard cards for paying online

Three prepaid cards in US dollars for subscriptions, AI tools, games and bookings abroad. Top up in euros, pounds or dollars. No monthly fee.

Card issue
from €12.90
Top-up fee
from 2.9%
Ready in
10 minutes
Works with
300+ services

Card designs. The card numbers shown are examples.

Choose your card

Compare the issue price, the fees and where each card works. No hidden terms: every fee is also in the table below.

Where each card works

Subscriptions card

For streaming, software, app stores and games.

Not for every service. Bookings and marketplaces need the Travel card, and AI tools such as ChatGPT need Premium.

  • Netflix
  • Spotify
  • Steam
  • +170 more
  • Apple Pay, not supported
  • Google Pay, not supported
Card
Mastercard, USD
Monthly fee
€0
Top-up fee
3.9%
Payment fee
$0
Per payment
up to $1,000
  • Streaming and music
  • Software and work tools
  • App stores and games, including Steam
  • Not included: AI tools such as ChatGPT, Claude and Midjourney
  • Not included: Hotels, flights, marketplaces and PayPal
  • Not included: Apple Pay, Google Pay and shops
€12.90issue price, paid once

Valid 2 years · ready within 10 minutes

Premium card

$10 on the card

One card for every service, with the lowest top-up fee.

No limits on services. The card for AI tools and services with strict card checks. If in doubt, take this one.

  • ChatGPT
  • Claude
  • Midjourney
  • +300 more
  • Apple Pay
  • Google Pay
Card
Visa, USD
Monthly fee
€0
Top-up fee
2.9%
Payment fee
$0
Per payment
up to $10,000
  • Everything the Travel card pays
  • AI tools: ChatGPT, Claude, Midjourney
  • Shop terminals and contactless
  • $10 already on the card when issued
  • The lowest top-up fee, 2.9%
  • Priority support, 24/7
€49.90issue price, paid once

Valid 2 years · ready within 10 minutes

Fees, limits and features

The full list for each card. Every fee also appears in your account before you confirm. Limits are in US dollars, the card’s currency.

Swipe the table sideways to see all three cards.

Fees, limits and features of the Subscriptions, Travel and Premium cards
FeatureSubscriptions€12.90 issue priceDetails of the Subscriptions cardRecommendedTravel€29.90 issue priceDetails of the Travel cardPremium€49.90 issue priceDetails of the Premium card
Price
Issue price, paid once€12.90€49.90
On the card when issuedNone$10
Monthly fee€0€0
Fees
Top-up fee, currency conversion included3.9%2.9%
Payment fee$0$0
Declined payment$0.50$0
Paying in a currency other than US dollarsMastercard rate, no Niceway feeVisa rate, no Niceway fee
Closing a cardFreeFree
Limits
Smallest top-up€10€10
One paymentUp to $1,000Up to $10,000
Cards in one accountUp to 10Up to 10
Card
NetworkMastercardVisa
Card currencyUS dollarsUS dollars
Country of issueSingaporeSingapore
Valid for2 years2 years
Ready inUp to 10 minutesUp to 10 minutes
Where it works
Streaming, software, app stores and gamesYesYes
Hotels, flights and car rentalNoYes
Marketplaces and PayPalNoYes
Apple Pay and Google PayNoYes
AI tools: ChatGPT, Claude, MidjourneyNoYes
Shop terminals and contactlessNoYes
Support
Help by email24/7Priority, 24/7

Which card fits your service

Not every subscription can be paid with any card: services have their own rules for the card type and the country of issue. Check the lists so the payment goes through the first time. Your service is not here? Ask us before you issue a card.

All 300+ services

Subscriptions card

Not for every subscription. Services have their own rules for the card type and the country of issue.

  • Streaming and music: Netflix, Spotify, YouTube Premium, Disney+
  • Software and work: Canva, Notion, hosting
  • App stores and games, including Steam
  • Messengers: Telegram Premium, Discord Nitro
  • Not included: AI tools: ChatGPT, Claude, Midjourney
  • Not included: Hotels, flights, car rental, marketplaces, PayPal
  • Not included: Apple Pay, Google Pay and shop terminals

The basic card for regular online subscriptions. If a service declines it, support replaces the card or suggests a higher one.

Premium card

No limits. The only card that passes services with strict card checks.

  • Every service and subscription
  • AI tools with strict card checks: ChatGPT, Claude, Midjourney
  • Shop terminals and contactless
  • The largest limits, for deposits and big purchases
  • Priority support

If a service is picky or the amount is large, take this one: Premium passes payments that the other cards fail.

How it works

Five steps from sign-up to the first payment, all in your account.

Get a card
  1. 1

    Create an account

    Sign up with your email. It takes about a minute, and you do not need documents.

  2. 2

    Choose a card

    Subscriptions, Travel or Premium. Check what each card pays before you choose.

  3. 3

    Pay the issue price

    Pay once by bank card, Apple Pay or Google Pay. Your card is ready within 10 minutes.

  4. 4

    Top up

    Add from €10 in euros, pounds or US dollars. You see the fee and the dollars that land on the card before you confirm.

  5. 5

    Pay online, or tap your phone

    Use the card details at checkout. Travel and Premium cards also work in Apple Pay and Google Pay.

Topping up

Add money in euros, pounds or US dollars from €10. The top-up fee includes the conversion to US dollars: 3.9% on Subscriptions and Travel, 2.9% on Premium.

  • Bank cardVisa or MastercardInstant
  • Apple Pay or Google PayOn a supported phone or browserInstant
  • Bank transferSEPA Instant in euros, Faster Payments in poundsWithin minutes

No extra charge for the way you pay. You see the amount that lands on the card before you confirm.

Top-up

Example

Travel card •••• 2074

Amount
€50.00
Top-up fee, 3.9%
€1.95
Total
€51.95
Lands on the card
$58.50

Charged in euros at 1 EUR = 1.17 USD

Example top-up at an illustrative rate. The exact rate is shown before you confirm.

Safety

  • Freeze in one tap

    A frozen card declines every payment until you unfreeze it. Close a card when you no longer need it.

  • Card details only in your account

    The full card number and security code are shown only after you sign in, and never sent by email.

  • Payments confirmed with 3-D Secure

    When a shop asks for it, the confirmation code appears in your Niceway account before the payment goes through.

  • Prepaid, no credit

    The card spends only what you top up. There is no credit check, no overdraft and no debt.

Virtual card questions

Fees and limits are in the table above. Anything else, ask us at [email protected].

Is this a credit card?

No. It is a prepaid card: you can spend only the money you top up. There is no credit check and no overdraft.

Which currency is the card in?

US dollars. You top up in euros, pounds or dollars, and we convert at the rate shown before you confirm. If you pay a shop in another currency, Visa or Mastercard converts the amount at its own rate, with no Niceway fee on top.

Do I need documents to get a card?

No. You sign up with your email and issue a card online. We may ask for an ID document if the law requires it or a payment looks unusual.

How many cards can I have?

Up to 10 cards in one account, in any mix of Subscriptions, Travel and Premium. Each card has its own balance.

Can I withdraw the money left on a card?

The balance is for spending with the card and cannot be paid out to a bank account, so top up only what you plan to spend.

Who issues Niceway cards?

Niceway cards are prepaid Visa and Mastercard cards issued in Singapore by a licensed partner card issuer. The Niceway account and support are run by Al Mashrab Welthandel General Trading LLC. Niceway is not a bank.