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Virtual card,
secure shopping!

OTP Visa virtual debit card for safer online payments

Make your online payments quickly, easily, and securely!

The OTP Visa Virtual Card is designed for purchasing goods and services online, with features that enhance its security and a special dual-currency current account in RSD (Serbian dinars) and EUR (euros).

The virtual card is fully tailored for online shopping needs:

Along with the OTP Visa Virtual Card, you will also receive a Dina digital card, which will also be available in your m-bank app.

Enjoy safe and simple online shopping.

Secure online payments are now a reality with OTP Bank’s virtual card!

Frequently Asked Questions about the OTP Visa Virtual Card

What is the OTP Visa Virtual Card?

The OTP Visa Virtual Card is a digital debit card intended exclusively for online payments. It exists only in electronic form and is available through the OTP m-bank app.

Is the card linked to my current account?

No, the virtual card is not linked to your main current account (e.g., the one where you receive your salary), but to a separate dual-currency account in dinars (RSD) and euros (EUR), which increases security.

How can I add funds to the virtual card?

You can transfer funds from other accounts you have with OTP Bank. This way, you have full control over the amount available for online payments.

Can I use the card for payments in foreign currencies?

Yes, since the card is linked to a dual-currency account (RSD and EUR), you can make purchases in both dinars and euros.

How can I check my balance and transactions?

You can monitor your balance and transaction history directly in the OTP m-bank app, for both currencies.

Can I enable or disable the card?

Yes, for added security, you can enable or disable the card yourself in the app, depending on whether you are currently using it. The toggle for enabling/disabling the card for internet payments is located in the OTP m-bank app under the “Spending Channels and Limits” option.

How do I activate the virtual card?

The card is easily activated through the OTP m-bank app in just a few clicks. In the “Cards” section, there is a button labeled “Activate Virtual Card.” Clicking the button initiates the activation process. There is no physical pickup required.

Is the OTP Visa Virtual Card safe for online shopping?

The card is specifically designed to enable secure online payments. Since it is not physical, it cannot be lost or stolen, and the user has full control over its activation and available funds.

How does the OTP Visa Virtual Card protect my data?

Card details (number, expiration date, CVV) are available only in the OTP m-bank app, which is protected by multi-level authentication mechanisms. You can also enable or disable the card as needed, giving you additional control over its use.

Can I limit the amount available for online payments?

Yes, since the card is not linked to your main account, you can transfer only the amount you want to be available for online purchases. This significantly reduces the risk in case the card is compromised. The predefined daily limit on the card is 200,000 RSD and can be adjusted according to your needs.

Does the OTP Visa Virtual Card use 3D Secure protection?

Yes, the card supports 3D Secure (Verified by Visa), which means the user’s identity is additionally verified when making payments on websites that support this technology.

What should I do if I notice a suspicious transaction?

If you notice a transaction you did not authorize, you can immediately deactivate the card in the app and contact OTP Bank’s customer service. Since the card is not linked to your main account, any potential damage is limited to the amount you previously transferred.

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