The Best Virtual Debit Card Providers for Remote Teams and Freelancers in 2025

When your finance team is stuck managing spreadsheets, handling receipts from remote employees, and manually tracking expenses, valuable time and money are lost. Relying on outdated processes slows down productivity and cuts into profits. For digital-first teams managing media buying across platforms like Google Ads, Facebook, and TikTok, a lack of centralized controls can easily result in overspending and budget leaks.

Virtual debit cards can help meet your unique business needs. Using a virtual debit card turns expense management from a reactive monthly task into a seamless, automated workflow.

How do virtual debit cards work?

A virtual card is a digital card that generates a unique 16-digit card number (also known as a card ID) along with an expiration date (or expiry date) and CVV code (or security code) to complete purchases online. Similar to physical debit cards, these virtual cards extend sophisticated financial control, security, and instant issuance capabilities that adapt to your business needs while facilitating secure online payments.

How to choose the best instant virtual card for your unique needs

When selecting a provider, it is important to look beyond the card itself and choose a platform that integrates seamlessly into your remote working environment and scales alongside your business requirements. Choosing a virtual card service requires a detailed comparison of features, monthly fees, and additional security features.

• Security and Control - Virtual cards enhance security by hiding primary bank account information and minimizing fraud risk. Review the various platforms and look for options that allow monthly limits to be set, freezing a card instantaneously, or providing a disposable virtual card.
• Media Buying - A key requirement for agencies doing digital advertising is being able to provision specific virtual cards for platforms like Facebook, Google, and/or TikTok. This allows for budget allocations that are precise and the management of high, recurring media buying expenses in real time.
• Automation and Integration - Key features include automated collection and organization of receipts and robust integration with key accounting software (e.g., Xero, QuickBooks, NetSuite). Effective automation will greatly reduce the burden of manual work for your finance team or designated VA.
• Global Capability - For international users or teams, opt for a multi-currency platform that minimizes foreign transaction fees (FX fees) and offers competitive exchange rates.
• Setup and Scalability - The provider must allow for the immediate issuance of cards, providing immediate access to funds for your new Employee or virtual assistant. This helps ensure that they hit the ground running right after the onboarding process.
• Accessibility - Check whether the virtual card supports digital wallets such as Apple Pay or Google Pay. This enables contactless payments or in-store contactless payments even without a physical card.

Leading Virtual Debit Card Providers for Remote Teams and Freelancers

After covering the key considerations for safe and automated spend management, let's identify the best platforms. We have selected different providers that have advanced virtual card capabilities, robust integrations, and scaling needs for decentralized teams and high media buying volume.

1. Wallester

Wallester is a fintech company that provides secure and flexible virtual card solutions. It is specifically known for having the best virtual cards for businesses that need a digital payment solution. The platform is built to give companies the ability to manage financial transactions with maximum control and extra functionalities by creating customizable limits, instantly issuing virtual cards, offering whitelisting options, and tracking transactions in real time.

Main Features

• Wallester offers virtual business cards that are ready to start spending right after they are issued.
• You can choose between multi-use or single-use cards, both designed for security.
• All transactions are protected with 3D Secure double authentication.
• For digital teams, Wallester’s BIN infrastructure is built to handle high-volume advertising needs.
• You can also link these cards to digital wallets or convert a virtual card to a physical one if needed.

Pros

Sign-up is free (and fast), and they give you 300 free virtual cards to do online shopping instantly. Provides advanced transaction-level security that reduces the risk of fraud, which other cards may not offer. The platform can handle high-efficiency growth and can provide more granular control. Wallester cards are recognized by all major advertising platforms. 

Not only are Wallester cards compatible with European BINs, but they also offer an option to acquire exclusive BIN ranges that are explicitly tailored for your business. In addition, they also offer a user-friendly spend management platform to help businesses stay on top of their spend. Their mobile wallet facility is compatible with both iOS and Android devices. 

Cons

They are only available to businesses registered in the European Economic Area and the UK.

Best For

The industry-leading choice for Digital Marketing Agencies, or any dedicated Media Buyer that requires a specialized infrastructure for card use with precise spending controls, and instant issuance capabilities to manage high-volume spending for online and social advertising.

2. Ramp

Ramp is a corporate card and finance automation platform built to reduce the time spent on finance administration activities. Ramp does this by automating corporate card usage, bill payments, and accounting workflows.

Main Features

• Unlimited virtual and plastic cards.
• Offers free core spend management functionality.
• Collects and matches receipts automatically with email/SMS, uses AI to auto-categorize expenses, sets expense limits before a transaction, etc.
• Integrates with accounting platforms including Xero and QuickBooks Online, and can integrate with NetSuite and Sage Intacct (limited integration on paid plans).

Pros

Automation provides users with significant time savings, and teams reported they can close books 8x faster, or 75% faster. The platform is designed to automate finance functions and spending controls. Core services are free for small to mid-sized teams.

Cons

Organizations may need time to adjust to the platform. While cards are unlimited, high-level integrations are available only with the Plus plan.

Best For

Scaling Startups and Mid-Market Businesses need deep financial controls over spend and accounting-related automation to reduce manual work for finance teams or virtual assistants.

3. Brex

Brex is a full spend management solution with unlimited virtual business cards built for high-growth startups, mid-market, and enterprise companies.

Main Features

• Issue unlimited virtual and physical cards
• Brex AI automatically creates expense reports, fills in memos, and sorts charges by calendar events.
• Advanced approval rules for different teams and spending needs
• Strong integrations with ERP systems like QuickBooks, Xero, NetSuite, and Sage Intacct.
• Certified with SOC 1, SOC 2, and PCI-DSS standards.

Pros

Great AI-driven automation features, meaning even less manual receipt review and audits. High rewards and spend controls are important for managing large distributed teams.

Cons

Funds in a Brex Treasury account specific to your Brex account are not FDIC-insured, whereas funds in a Vault at program banks are eligible for FDIC insurance. Also, Brex is fundamentally focused on US business entities.

Best For

VC-backed startups and enterprises looking for highly automated expense reporting and advanced policy enforcement for budgets globally, which could include significant media buying budgets.

4. Airwallex

Airwallex is a payments infrastructure platform providing businesses that operate internationally with global accounts in multiple currencies and virtual debit cards (called Borderless Cards) for cross-border payment activity.

Main Features

• Enables borderless cards and multi-currency accounts.
• Can integrate with accounting software such as NetSuite, QuickBooks, Xero, Odoo, and Sage;
• Supports expense management and bill payment.
• Has standards for security protocols, including fund protection mechanisms and data encryption protocols.

Pros

Highly effective for international teams and global payment as it is a multi-currency focused platform, and especially around managing cross-border payments in over 40 markets. Strong integration capabilities with accounting and ERP systems.

Cons

Impressive service for businesses with substantial complexity with international transactions, but may be excessive for a purely US-based business. Requires an account set up and a KYC review.

Best For

Global Remote Teams and E-Commerce Businesses with cross-border payment considerations, where benefits are knowing the FX rates are transparent, knowing borderless accounts, and knowing payments for virtual assistants are simplified and managed in a more international context.

5. Revolut

Revolut Business is an agile financial technology platform that provides vital business banking services such as expense management and flexible corporate card services.

Main Features

• Offers a Multi-Currency Account and Corporate Cards.
• Has significant digital security features that help protect users’ funds.
• Integrates with multiple accounting tools (Dext Prepare, FreshBooks, Dynamics 365 Business Central).
• Revolut Business provides solutions designed specifically for Marketing agencies.

Pros

Very good for international activities since they support multiple currencies. The platform is built to automate processes such as employee onboarding and offboarding via HR integrations. Expense management features are also included.

Cons

Tier-based plans could result in detailed card limits and fees (especially FX markups on weekends).

Best For

Marketing Agencies and E-Commerce Businesses that require multi-currency handling and integrated HR and expense management features to support their internal team and external contractors, while benefiting from their offering designed for marketing agencies.

6. Payoneer

Payoneer is a global payments platform built to empower freelancers and small-to-medium businesses (SMBs) by offering a fast, safe, and dependable means of getting paid internationally by clients and marketplaces.

Main Features

• Provides a global account for freelancers.
• Provides a way to transfer currency and receive a multi-currency account for business expansion.
• Hyper-focused on security and compliance.
• Has integration partnerships with accounting services such as QuickBooks Online.

Pros

Payoneer is a great solution for international freelancers who require multi-currency accounts to receive their payments in a timely and efficient manner. Payoneer has been around for a long time in the freelance marketplace space.

Cons

Payoneer may not fully function as an all-in-one expense management tool when compared to more traditional corporate providers. Payoneer is focused mostly on being a payout solution.

Best For

International Freelancers and Service Providers who are utilizing global marketplaces or receiving direct cross-border payments from clients.

7. Relay

Relay is a financial technology company with a focus on digital business banking. They offer several options for businesses to have multiple checking accounts and personalized debit cards for each budget. They are well-known to businesses using Profit First strategies.

Main Features

• You can open up to 20 free business checking accounts and choose from several Visa debit card options, including both virtual and physical cards.
• As all cards are linked directly to your accounts, you can set spending limits as needed.
• Relay also works with Xero and QuickBooks Online.
• Deposits may be insured for up to $3 million when placed in program banks.

Pros

The structure (multiple checking accounts and customizable debit cards) gives you amazing clarity of cash flow and spending control. There is a free Starter plan. There are cashback rewards for credit cards as well, depending on your plan

Cons

Relay primarily provides banking services in USD and to US businesses.

Best For

Relay is best for small businesses and bootstrapped teams who want a financial setup to stay organized internally, segment expenses, and automate spending policies linked to specific budgets.

Conclusion

Research of leading virtual card providers proves that the best virtual debit card solutions offer improved security, simple expense management, and control over decentralized funds. Using the instant virtual card feature enables your remote team and contractors, including your dedicated virtual assistant, to receive funds and begin using them for online purchases and/or recurring payments, such as subscription services.

You shift your financial operations from a point of friction to a strategic advantage when you leverage powerful capabilities such as a disposable virtual card for high-risk transactions, set customizable spending limits for specific media buying campaigns, and enable foreign currency transactions to avoid foreign transaction fees. This automated infrastructure enables small business owners and enterprises to simplify compliance, keep their cash flow clean, and concentrate on growing their business.