Physical & virtual cards
Choose physical cards for day-to-day purchases and virtual cards for online spending and subscriptions.
Spending for an international life
Your spending, wherever life takes you.
Bring everyday purchases, online spending and travel into the same account conversation. Choose the supported physical or virtual format, then manage activity and controls through the available platform.
Capabilities
What this service supports.
Limits, freezes & permissions
Set supported spending limits and freeze or unfreeze a card through the available controls.
Activity & notifications
Follow transaction activity and available alerts, with controls for supported users, merchants or spending categories.
Online, in-store & mobile
Use supported checkouts, merchants and mobile wallets. Wallet compatibility and cash-withdrawal access depend on the approved card programme.
Benefits in practice
Built around how you live and spend.
Keep the convenience of a card close to the information and controls that help you use it well.
A format for each moment
Use virtual details online and a physical card for eligible purchases while travelling or close to home.
Visibility around everyday spending
Review available transactions and alerts alongside the account balances that fund the card.
Controls within reach
Freeze a supported card and review available limits when plans change.
Currencies in context
Understand the conversion rate and fees that apply when a purchase uses a different currency.
In practice
A physical card for your day. A virtual card for online.
Match card access to how you spend, with the available controls and currency terms understood before use.
Travel and everyday purchases
A physical card can support eligible in-person purchases at home and abroad. Confirm supported countries, conversion terms, merchant restrictions and any cash-withdrawal access before travelling.
Shopping and subscriptions online
Virtual card details can support eligible digital checkouts and recurring purchases. Keep the relevant transaction records in view and use available card controls when a card needs to be paused or replaced.
How it works
From enquiry to eligible setup.
Discuss your use
Tell us about everyday spending, travel and online purchases.
Review the programme
Confirm the issuer, currencies, available formats and charges.
Complete verification
Meet the account and card programme's identity and eligibility requirements.
Set your controls
Following approval, activate the supported card and available settings.
Personal cards are subject to approval, issuer terms and availability. Formats, spending locations, wallets, cash access and fees may vary.
Common questions
Understanding personal cards.
Are both physical and virtual cards available?+
Yes. Snowflow-branded personal physical and virtual cards are available to eligible clients. Delivery and activation depend on the approved programme and your location.
Can I add the card to a mobile wallet?+
Apple Pay, Google Pay or other wallet compatibility must be confirmed for the issuer and programme. No wallet is guaranteed for every client.
Can the card be used to withdraw cash?+
ATM access, charges and limits are programme-specific and will be confirmed in the card terms.
Is a personal card a credit product?+
This page describes spending linked to an eligible account arrangement. It does not advertise a credit facility, overdraft or borrowing limit.
Discuss personal cards with Snowflow.
Tell us how you operate and what you need from your accounts, payments or international financial activity.