Best Virtual Cards in Estonia (August 2026)
Discover the best virtual card providers available to consumers and businesses in Estonia. Compare instant, secure digital cards for online spending, subscriptions, and travel.
There are 4 virtual card providers available in Estonia.
Last updated August 2026
est. 2016
All-in-one solution to control corporate spending
Available in
Estonia and 36 other countriesAvailable for
est. 2011
Money for here, there and everywhere.
Available in
Estonia and 176 other countriesAvailable for
est. 2015
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Which virtual card providers are best for residents of Estonia?
These providers issue personal virtual cards to people living in Estonia, ranked by our overall score.
- Wise – 175 countries. 50 currencies. Get the account built to save you money round the world. Save up to 6x when you send, spend and withdraw 50 currencies, all in one account.
- Revolut – Exchange money with no hidden fees. Buy crypto, gold and manage your money with spending analytics. Join over 12 million Revolut customers.
- Monese – Get your Monese account to start spending, sending and saving in minutes.
Which virtual card providers are best for businesses in Estonia?
These providers issue virtual cards to companies registered in Estonia, ranked by our overall score.
- Wallester – Wallester Business offers a comprehensive platform for managing corporate expenses, providing virtual and physical Visa cards along with real-time transaction monitoring and automated reporting.
- Wise – 175 countries. 50 currencies. Get the account built to save you money round the world. Save up to 6x when you send, spend and withdraw 50 currencies, all in one account.
- Revolut – Exchange money with no hidden fees. Buy crypto, gold and manage your money with spending analytics. Join over 12 million Revolut customers.
- Monese – Get your Monese account to start spending, sending and saving in minutes.
Virtual card FAQs for Estonia
Common questions about using virtual cards in Estonia.
Can businesses in Estonia issue virtual cards to employees?
Yes. Several providers let companies in Estonia issue virtual cards to staff with individual limits and real-time controls, which is handy for online ad spend and software subscriptions.
Do virtual cards work in different currencies?
Many virtual cards support spending in multiple currencies, helping residents of Estonia avoid or reduce foreign-exchange fees when buying from overseas merchants.
What is a virtual card?
A virtual card is a digital-only payment card issued instantly to your app, with its own number, expiry date, and security code — with no plastic to wait for.
Are virtual cards available in Estonia?
Yes. Several providers issue virtual cards to residents of Estonia, and you can compare them on this page.
Are virtual cards safe to use online?
Virtual cards are generally safer than a physical card online: many let you freeze, delete, or set a spending limit per card, so a leaked number can be cancelled without touching your main account.
Can I add a virtual card to Apple Pay or Google Pay?
Most virtual card providers in Estonia let you add the card to Apple Pay, Google Pay, or Samsung Pay, so you can tap to pay in stores too.