If you live in Israel — or you're just passing through — getting a credit card can feel like climbing a wall. Banks want paperwork. Credit checks. Weeks of waiting. It doesn't have to be that way.
At Cardn3, we give you a virtual credit card you can use today. No bank account. No KYC check. Just a card that works.
✅ No KYC ✅ No bank account needed ✅ Residents & non-residents ✅ ILS, USD & EUR ✅ VISA & Mastercard accepted worldwide
Available Our Instant Virtual Cards: Ready to Use
All cards are Reloadable Debit Cards and can be used for online purchases.
Category: Israeli Card – BIN 458003, 458008, 458012, 458016, 458021, 458024
Total Price: $200.00 USD
Issuing Fee: $5
Balance Loaded: $195
✅ Reloadable
✅ Works for online purchases
✅ Instant delivery
Category: USA Debit – BIN 434769
Total Price: $150.00 USD
Issuing Fee: $5
Balance Loaded: $145
✅ Reloadable
✅ Works for online purchases
✅ Instant delivery
Category: USA Debit – BIN 527520
Total Price: $100.00 USD
Issuing Fee: $5
Balance Loaded: $95
Availability: 20 Cards In Stock
✅ Reloadable
✅ Works for online purchases
✅ Instant delivery
Category: Visa Standard
Total Price: $120.00 USD
Issuing Fee: $5
Balance Loaded: $115
Availability: 33 Cards In Stock
✅ Reloadable
✅ Online shopping ready
✅ Instant activation
Important Notice: A $5 card issuing fee applies to every card. The remaining balance is deposited into the card and is ready for your online spending after activation.
What Is a Virtual Credit Card?
A virtual credit card is a digital card number — 16 digits, an expiry date, and a CVV code — that lives in your phone or account. There's no plastic to carry, no trip to a branch.
You use it exactly like a regular card. Pay online, in apps, and at stores through Apple Pay or Google Pay. It works anywhere VISA or Mastercard is accepted — that's over 130 million locations in more than 200 countries.
In Israel, this matters more than most places. Many Israeli banks won't give you a card until you've held an account for six months or more. New residents (Olim), migrant workers, tourists, and non-residents all hit the same wall.
We built Cardn3 to fix that. One card. No waiting. No KYC.
Why People in Israel Need a Virtual Card
Israel has a strong payment card market. VISA and Mastercard are accepted at most stores, cafes, restaurants, and online shops. But getting a card issued locally? That's where things get hard.
Here's why thousands of people in Israel turn to virtual prepaid cards:
No Israeli bank account needed: Get started with just a passport and a phone number.
No long wait: Israeli banks often ask you to hold an account for 6+ months before they'll issue a private credit card. We don't.
Open to non-residents: Tourists, migrant workers, and new Olim can all apply without an Israeli address.
Pay in ILS, USD, or EUR. Switch currencies in the app: No surprise conversion fees when you travel or shop internationally.
Pay Israeli bills and apps: Use it for Arnona (municipal tax), utilities, and Israeli peer-to-peer apps like BIT and PayBox.
Build your financial history in Israel: Using a card consistently helps you build a local payment record even before you open a full bank account.
The Cardn3 Virtual Card: What You Get
Our card is built for real life in Israel. Here's a clear look at what comes with it.
Instant Card Issuance: You get your 16-digit card number, CVV, and expiry date right after you sign up. No courier. No branch visit. No waiting.
No KYC Required: Most cards ask for ID scans, selfies, and proof of address. We skip the checks that slow you down. All you need is a phone number to get started. We protect your account with two-factor authentication (2FA) and Liveness Detection instead.
Multi-Currency — ILS, USD, and EUR: Your Cardn3 card holds Israeli New Shekel (ILS/NIS), US Dollars (USD), and Euros (EUR). Switch between them in the app. When you pay abroad, you use the right currency — no double conversion eating into your balance.
Works on VISA and Mastercard Networks: Our cards run on globally trusted payment networks. If a store takes VISA or Mastercard, your Cardn3 card works there. That covers most of Israel, Europe, the US, and beyond.
Apple Pay and Google Pay Ready: Add your virtual card to your phone wallet right away. Pay with a tap — in-store or online. No plastic needed. Works with the contactless payment terminals used across Israel.
Full Spend Control in the dashboard: Set spending limits. Freeze the card instantly. Unfreeze it just as fast. See every transaction the moment it happens. You're always in control of your money.
Zero Fees Between Cardn3 Users: Send money to other Cardn3 users with no fees at all. Instant transfers, no waiting, no hidden charges.
Receive International Money Transfers: Get money sent from abroad via major transfer systems — including Western Union, Ria, and Korona — directly to your card. You can also link your card to VISA Direct for real-time transfers from overseas accounts.
Who Can Get a Cardn3 Virtual Card in Israel?
Our card is open to almost everyone. You don't need Israeli citizenship. You don't need a local bank account.
Residents of Israel: new arrivals and long-term residents
Non-residents: including tourists and short-stay visitors
Olim: new immigrants who haven't set up a full bank account yet
Migrant workers: who need a safe way to receive wages and send money home
Students: studying in Israel without a local credit history
Business owners: who need a card for online subscriptions and international payments
Digital nomads: who work remotely and need a card that works across currencies
You just need a phone number and a way to load funds onto the card. That's it.
How to Get Your Cardn3 Virtual Card: 4 Simple Steps
The whole process takes less than five minutes.
Step-1: Create your account
Download the Cardn3 app or sign up on our website. Enter your phone number and set a password. No ID scan required.
Step-2: Choose your card type
Pick a single-currency card in ILS, or a multi-currency card that holds ILS, USD, and EUR.
Step-3: Get your card details instantly
Your 16-digit card number, CVV, and expiry date appear right away. Add it to Apple Pay or Google Pay, or save it for online purchases.
Step-4: Load your card
Top up by bank transfer, credit card, or cash at a partner location.
Accepted Everywhere VISA and Mastercard Are
Your Cardn3 card works in more places than you might expect. Here's where you can use it:
✅ Online stores and global marketplaces (Amazon, eBay, AliExpress, and more)
✅ In-store purchases at Israeli shops, supermarkets, and restaurants
✅ International shopping — US, Europe, Asia, and beyond
✅ PayPal-linked purchases and withdrawals
✅ Subscriptions — Netflix, Spotify, Apple, Google, Adobe, and others
✅ Israeli peer-to-peer apps — BIT and PayBox
✅ Business tools — Google Ads, Facebook Ads, Shopify, AWS, and similar platforms
✅ Bill payments — Arnona (municipal tax), electricity, water, and other utilities
Cardn3 vs. Other Virtual Card Options in Israel
Here's an honest comparison. We want you to make the right choice for your situation.
| Feature |
Cardn3 |
STB / GMT / Rewire |
Israeli Bank Card |
| Bank account required |
❌ No |
✅ Yes |
✅ Yes |
| KYC check |
❌ No |
✅ Yes |
✅ Yes |
| Time to get card |
Minutes |
Days–Weeks |
Days |
| Available to non-residents |
✅ Yes |
✅ Limited |
❌ Usually no |
| Multi-currency (ILS, USD, EUR) |
✅ Yes |
✅ Yes |
Sometimes |
| Monthly fee |
Low flat fee |
From 10 ₪/month |
Varies |
| Foreign transaction fee |
0–1% |
1% |
2–3% |
| Apple Pay / Google Pay |
✅ Yes |
Coming soon |
Depends on bank |
| Works with BIT / PayBox |
✅ Yes |
❌ No |
✅ Yes |
How to Use Your Cardn3 Card Day-to-Day in Israel
Here are the most common ways people use their Cardn3 virtual card in Israel.
Everyday Purchases: Use Apple Pay or Google Pay at supermarkets, pharmacies, and cafes. Works anywhere contactless payment is accepted — which covers most of Israel.
Online Shopping: Enter your card number at checkout just like any other card. Works on Israeli sites and international ones. No foreign transaction surprises.
Paying Bills: Use your card to pay Arnona (municipal tax), electricity, water, and other utility bills online. Many of these are hard to pay with a foreign card.
Israeli Payment Apps: Link your card to BIT and PayBox to send money to friends, pay rent, or split costs. These apps are widely used in Israel and require an Israeli payment card.
Travel: Switch to USD or EUR in the app before you travel. Pay with no conversion fee in the local currency. When you return, switch back to ILS.
Business and Freelancing: Use it for Google Ads, Facebook Ads, Shopify, AWS, and other platforms that need a card on file. Separate your personal and business spending.
Is a Cardn3 Virtual Card Safe to Use in Israel?
Yes. Virtual cards are often safer than physical ones.
A physical card can be lost or stolen. A virtual card can't. If something goes wrong, you freeze it in the app in seconds. No one can use it without your phone.
PCI DSS compliant: We follow the same security standard used by major banks and card networks.
Two-factor authentication (2FA): Every login and transaction is protected.
Liveness Detection: We check accounts during setup to prevent fraud.
AML compliance: We follow Anti-Money Laundering rules to keep the platform safe and trustworthy.
Update your CVV anytime: If you think a number has been exposed, change it in the app. Physical cards can't do that.
Instant freeze and unfreeze: Stop the card in one tap. Restart it just as fast.
Why Trust Cardn3?
We know trust is earned. Here's why thousands of people in Israel use Cardn3 for their everyday finances.
Licensed payment service provider: we operate under a licensed financial services framework and complies with Bank of Israel payment regulations.
PCI DSS and AML certified: We follow the same security standards as banks. Your money and card data are protected.
Built for Israel's international community: Our support team speaks Hebrew, English, and Russian — 6 days a week. We understand the challenges of banking in Israel as a new arrival.
Transparent pricing: No hidden fees. No surprise charges. You see exactly what you pay before you apply.
Frequently Asked Questions
Can I get a virtual credit card Israel without a bank account?
Yes. Cardn3 issues virtual cards to residents and non-residents of Israel with no bank account needed. All you need is a phone number to get started.
Do I need KYC to get a Cardn3 virtual card in Israel?
No. We don't require the usual ID scans, selfie checks, or proof of address. You can get your card details in minutes after you sign up.
Is a virtual credit card legal in Israel?
Yes. Virtual cards operate under the same rules as prepaid debit cards. They are issued on the VISA or Mastercard network and are fully legal to use in Israel and abroad.
Can I use a Cardn3 card for PayPal in Israel?
Yes. You can link your Cardn3 virtual card to your PayPal account to make purchases and withdrawals.
What is the monthly fee for a Cardn3 virtual card?
We charge a low monthly fee, with the first month free. See our pricing page [ /pricing ] for current rates. There are no hidden charges.
Can I use Revolut or Wise in Israel instead of Cardn3?
Both Wise and Revolut are available to some users in Israel, but both require full identity checks (KYC). Cardn3 does not. We also offer direct support for Israeli payment apps like BIT and PayBox, which the others don't.
Is the Cardn3 card available to tourists and non-residents in Israel?
Yes. Non-residents and tourists can sign up with a passport and phone number. No Israeli address or local bank account is required.
Can I withdraw cash from ATMs?
Physical Cardn3 card holders can withdraw cash at ATMs across Israel and internationally. Virtual card holders can use Apple Pay and Google Pay for in-store payments. See our full card options at [ /features ].
What currencies does Cardn3 support?
Your card holds Israeli New Shekel (ILS/NIS), US Dollars (USD), and Euros (EUR). You can switch between them in the app at any time with no extra fee.
Does Israel have virtual credit cards?
Yes. Several companies in Israel offer virtual and prepaid cards, including Cardn3, STB Union, Rewire, GMT, and UpayCard. Cardn3 stands apart by requiring no KYC and offering multi-currency support from day one.
What is the best virtual credit card Israel in 2025 and 2026?
The best card depends on your needs. For no KYC, instant setup, and multi-currency support, Cardn3 is the top choice. For standard Israeli bank cards with rewards, Max Clal Pay Visa and Isracard Basic are worth considering — but both require a bank account and credit history.
Can I use a virtual card to pay with CAL or Max payment systems in Israel?
Our cards run on the VISA and Mastercard networks. They work at any terminal that accepts these networks, including those managed by CAL (Israel Credit Cards Ltd.) and MAX. You don't need a separate CAL or Max card.
