Physical & virtual cards
Choose physical cards for day-to-day purchases and virtual cards for online spending and subscriptions.
The Snowflow Card
One distinctive card. Many ways to move.
Meet the Snowflow Card: physical and virtual formats for everyday purchases, travel, online spending and authorised team expenses. A consistent Snowflow experience, with the available controls close at hand.
Choose your card journey
For you. For the people in your business.
01 · Personal
Life, travel and everyday spending.
Explore eligible personal physical and virtual cards, supported purchases, currency considerations and the controls available to you.
Explore personal cards02 · BusinessCompany purchases and team expenses.
Explore authorised cardholders, supported spending limits, permissions and transaction visibility for your business.
Explore business cardsCapabilities
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
Practical benefits. Connected clearly.
Choose the personal or business arrangement that fits how you spend, then keep the relevant activity and controls together.
Personal spending, connected
Bring eligible day-to-day purchases, travel and online shopping alongside your supported account balances and transaction records.
Business spending, organised
Give authorised team members appropriate card access, with the limits, permissions and reporting supported by your programme.
A physical and digital choice
Use a physical card at eligible merchants and virtual card details for supported online purchases. Confirm wallet compatibility before adding a card to your device.
A clearer currency decision
Understand the conversion rate, card charges and available limits when a purchase is in a different currency.
In practice
A card for your life. A card for your business.
The Snowflow identity is consistent, while personal spending and company expenses have different responsibilities. Start with the right account and programme.
Personal purchases and travel
An eligible individual uses a physical card for in-person purchases and virtual details for online spending. Before travelling, they check supported locations, conversion charges, any wallet access and the verified support route.
A team with clear spending roles
A business arranges card access around authorised employees and recurring purchases. The finance team reviews supported limits, permissions and transaction records alongside its own expense policy.
How it works
From enquiry to eligible setup.
Choose personal or business
Tell us who needs a card and how it will be used.
Review the card arrangement
Confirm the issuer, supported formats, controls, fees and applicable protections.
Complete account approval
Provide the identity or business information required for the account and card programme.
Activate and manage
Follow the secure activation instructions and set the available card controls.
Card imagery illustrates the Snowflow brand; the issued design and available formats are confirmed for your programme. Issuer terms, eligibility, fees, spending limits, supported locations and protections apply.
Common questions
Understanding snowflow card.
Is the card branded Snowflow?+
Yes. The physical and virtual card experience is offered under the Snowflow brand through our strategic-partner arrangement. Your card documents identify the issuer, contracting provider and programme terms before you agree to the service.
Which card arrangement should I choose?+
Personal cards are for eligible individual spending. Business cards are for authorised company purchases and team expenses. Each has its own account, eligibility and programme requirements; a business card should not be treated as a personal spending facility.
Are physical and virtual formats available?+
Snowflow-branded personal physical and virtual cards are available to eligible clients. Business formats, delivery locations, activation and replacement arrangements are confirmed for the approved programme.
What happens if a card goes missing?+
Use the card-freeze control immediately where it is available, then contact the card provider through the verified support route in your account or card documents. Review recent activity and report transactions you do not recognise. Replacement charges and dispute procedures depend on the programme.
Can I use the card abroad or at a cash machine?+
Supported countries, merchant types, currencies, ATM access and withdrawal limits depend on the card programme. Check the exchange terms and any cash-withdrawal or overseas charges before use.
Does the card include borrowing or a credit limit?+
This page presents spending linked to an eligible account arrangement. It does not offer a credit facility, overdraft, rewards rate or borrowing limit.
Discuss the Snowflow Card with Snowflow.
Tell us how you operate and what you need from your accounts, payments or international financial activity.