Virtual Account Numbers

Virtual Account Numbers are temporary credit card numbers that can be used for online purchases in place of your actual credit card number.

Virtual Account Numbers work by generating a unique, temporary credit card number that is linked to your actual credit card. When you make an online purchase, you can enter the virtual account number instead of your real card number.

Using Virtual Account Numbers adds an extra layer of security to your online transactions. Since the virtual numbers are temporary and independent from your actual credit card number, they can help protect your personal and financial information from being exposed in case of unauthorized access or data breaches.

Citi offers Virtual Account Numbers as a feature for eligible credit cardholders. You can usually access them through your online banking or mobile app, where you can generate and manage these temporary numbers.

Citi Virtual Account Numbers are typically offered as a complimentary service to eligible cardholders. However, it's always best to confirm with your specific bank or financial institution regarding any fees or charges associated with this feature.

In most cases, Virtual Account Numbers are designed for one-time use only. They are primarily intended to enhance security for online shopping by generating unique numbers for each transaction. Therefore, they might not be suitable for recurring payments or subscriptions.

Yes, Virtual Account Numbers typically have an expiration date. This helps ensure that any temporary numbers generated are not valid indefinitely and adds an additional layer of security. The expiration date is usually displayed when you generate a virtual number.

No, Virtual Account Numbers are specifically designed for online transactions. They cannot be used for in-store purchases or physical card-present transactions.

While Virtual Account Numbers are accepted at most online merchants, it's possible that some merchants may not support this payment method. It's always recommended to check with the merchant's website or customer support to confirm if they accept virtual card numbers as a payment option.

Yes, you can usually view the transaction details associated with your Virtual Account Numbers through your online banking or mobile app. This allows you to track your purchases and monitor your spending, just like with regular credit card transactions.