Riyad Bank Virtual card gives you an easy and safe way to shop online.
No need to wait for the mail to receive your card, apply and get your Virtual card instantly through Riyad Online or Riyad Mobile, with all the information you need including a 16 digit card number, a CVV, and expiry date.
Purchase using your Riyad Bank Virtual Card details
Prepaid Card Fees & Charges
Card issuance / Re- issuance
Load / Re- Load
Additional fee on non-Saudi Riyal transactions /International Transaction
Paper statement (based on customer request)
Frequently Asked Questions
What is a Virtual Card?
The Virtual Card is designed especially for online purchasing and can be used at any merchant website that accepts Visa Cards. The customer can apply and obtain the card instantly through Riyad Online without the need to obtain a plastic card.
The Virtual Card information includes:
Security code comprised of 3 numbers
How can I obtain a Virtual Card?
Step 1: OPEN a current account at Riyad Bank Step 2: REGISTER for Riyad Online Step 3: APPLY for a Virtual Card via Riyad Online and accept the terms and conditions Step 4: LOAD your Virtual Card from your current account Step 5: PURCHASE using your Riyad Bank Virtual Card number and security details
How long is a Virtual Card valid for?
Your Virtual Card is valid for 3 years, as shown on the expiry date.
How can I load my Virtual Card?
You can transfer funds to your Virtual Card from your current account via Riyad Online.
The amount transferred will be available in your Virtual Card account within minutes.
Where can I purchase with my Virtual Card?
You can use your Virtual Card on any website where Visa Credit Card is accepted.
Can I add funds to a Virtual Card?
Yes. You can load and reload any amount / any time based on the limits mentioned in the terms and conditions.
Can I merge funds from more than one Virtual Card?
No, each Virtual Card has a separate limit.
What is the minimum and maximum load limits on a Virtual Card?
The minimum load limit is SAR 10 and the maximum load limit is SAR 37,500.
What if my Virtual Card, cvv, or expiration date are compromised or stolen?
We recommend that you keep your Virtual Card information in a safe place. You should treat your Virtual Card number and security details with the same protection as you would do for a physical credit card.
If your Virtual Card info is stolen or compromised, you can block your Virtual Card through Riyad Online free of charge. Alternatively you can call Riyad Bank call center at (+966) 920002470 and we will block it for you.
How do I check my Virtual Card available balance?
You can check your Virtual Card available balance and transactions history online any time and free of charge. Login to your Riyad Online account, click on the card statement tab and follow the applicable prompts.
How do I dispute a transaction on my Virtual Card?
If you have any concerns about a transaction on your Virtual Card, you should always contact the merchant directly to resolve the issue.
If you are unable to resolve the issue with the merchant, you can contact Riyad Bank call center on (+966) 920002470.
Will a payment go through if my purchase exceeds the available balance on my Virtual Card?
If you attempt to use your Virtual Card for a transaction that is greater than the remaining available balance, the transaction will be declined.
What are the costs associated with using a Virtual Card?
There are no issuance fees nor interest payments. A markup fee applies to non-Saudi Riyals transactions.
A full list of fees and charges can be found in the Virtual Card terms & conditions.
How many Virtual Card can I apply for?
You can apply for a maximum of 2 Virtual Cards.
Can I refund the amount credited to my Virtual card?
Yes, you can through Riyad Online or by calling Riyad Bank Customer Service Center and asking an agent to return the amount in your Virtual card account to your current account.
Are there any fees charged when I transfer from the Virtual card account to my current account?