Customers who want to realize the funds in the "virtual bank card" can only withdraw them by transferring them to the entity master card associated with them. In other words, the "virtual bank card" can only be used online and cannot be withdrawn.

At present, many banks such as Shanghai Pudong Development Bank, China Construction Bank and China Bank have issued virtual credit cards, which can be used for online shopping, wealth management, consumption and transfer.

"Virtual bank card" business does not issue physical cards, but can set its own payment limit, which can effectively reduce the risk of online consumption, achieve the effect of separating financial bills, and "escort" the security of online payment. "The virtual bank card locks the transaction risk in a certain time and within a certain limit, and can be dynamically adjusted at any time, effectively avoiding the risk of revealing the account information of the physical card during online shopping."