Personal cards

Personal Cards

For every way you spend

Both Physical and Virtual Cards are Available with Unlimited Issuance

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From daily purchases to big goals — one card does it all?

Unlimited issuance

Get as many EUR cards as you require — physical and virtual

Start in minutes

Open a PayDo account and order your Personal Card with ease — ready for delivery

Always ready to pay

If your EUR balance is insufficient, funds are automatically converted from other balances, so you don't miss a payment

Spend Without Boundaries

Get a card for every purpose — subscriptions, online shopping, in-store purchases, and more

Global ATM access

Withdraw your funds from ATMs across the globe with ease

Transparent fees

No hidden surprises—check fees anytime in one PayDo dashboard

Designed for your everyday needs

Virtual and physical cards

Experience the flexibility of having both physical and virtual PayDo cards. Use the physical card for everyday, in-person purchases and the virtual card for fast, secure online transactions — giving you full control over your payments

Security that meets your expectations

Secure Your Payments

Every transaction is safeguarded with additional authentication through SMS, ensuring that only you can authorize payments.

Safety Net for Your Purchases

If your purchase fails, our refund and chargeback options have you covered.

Your Digital Shield

Pay online securely using single-use virtual cards, keeping your information private and protected.

Get Your Card
In 4 Easy Steps

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1. Sign Up

Fill in Precheck

2. Verify

Verify your identity

3. Get your card

Order virtual and physical cards to make your payments convenient for every need

4. Use your card

Pay for purchases, withdraw cash, or transfer money with ease

We are here to make your payments stress-free

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.

Your card balance reflects the total sum of all your currency balances, converted to EUR based on current exchange rates. Since exchange rates fluctuate, your PayDo card balance may also change. To add funds, simply top up your PayDo balance through any of the available top up methods, and your card balance will update automatically

When making a card payment, funds are debited from your EUR balance. If your EUR balance is insufficient, funds are automatically converted from other balances, starting with whichever balance has the highest EUR equivalent

PayDo cards support all major card transactions, including in-store and online purchases. Cash withdrawals are only supported with physical PayDo cards

PayDo offers both physical and virtual cards. Either one can be added to Apple Pay or Google Pay.

All card management tools and transaction history are accessible in your PayDo Dashboard under the “Issued Cards” section. You can also review card transactions in the “Reports” section

You can:

Issue new cards, freeze, block, reissue, or close them
Enable or disable specific transaction types (Contactless, Internet purchase, Withdrawal)
Configure flexible transaction limits for each type of operation

All these settings can be managed in the card’s details section within your PayDo Dashboard

Online payments are secured with 3DS, requiring a static password and a one-time code (OTP) sent to the phone number linked to your card.
In-store payments with physical PayDo cards require a PIN code. You set both your 3DS password and PIN code during card creation

If a payment is declined, you can find the specific reason in your PayDo Dashboard. Go to your card’s transaction list, select the failed payment, and view the transaction details for more information.