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Get a "FREE" Virtual Visa Prepaid Card (No Deposit Required) @ Bancore (Fees Apply)

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Get a "FREE" Virtual Visa Prepaid Card (No Deposit Required) @ Bancore (Fees Apply)
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easternculture on 29/01/2014 - 11:11 bancore.com (2219 clicks)
Last edited 29/01/2014 - 11:32 by 2 other users

Get a free virtual via prepaid card with Bancore to use with free trials of Hulu, Uber and other Sites that require a credit card to sign up.

You can also use it to verify your paypal account

It doesnt even ask for details except you mobile number (to activate account) and your name

Some Relevant Fees to Consider: (Thanks Mattgal)
Card Load Fee 5.0% (min $2.49 / £1.49 / €1.99)
Monthly Card Management Fee $0.49
Dormant account fee - charged after 6 months of inactivity $5.49 / £2.99 / €3.99
Close account / Withdraw to credit/debit card $7.99 / £4.49 / €5.49

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closed Comments

  • c64 on 29/01/2014 - 11:15

    yeah, but look at all the fees, including a monthly account management fee & closing fee:

    CARD ISSUING

    Issue Virtual Card Fee FREE

    Card Load Fee 5.0% (min $2.49 / £1.49 / €1.99)

    FUNDS OUT

    Transfer to Virtual/Plastic Card (between own accounts) 1% + $0.20 / £0.10 / €0.15

    Transfer to Virtual/Plastic Card (between different accounts/persons) 2.00% (+$45 / +£20 / +€ 25 if done manually by Bancore)

    Transfer to Bancore/Bank account $7.99 / £4.49 / €5.49

    Monthly Card Management Fee $0.49

    Dormant account fee - charged after 6 months of inactivity $5.49 / £2.99 / €3.99

    Close account / Withdraw to credit/debit card $7.99 / £4.49 / €5.49

    Chargeback processing fee (Fee per transaction) $7.99 / £4.49 / €5.49

    OTHER

    Transfer between currencies MC/VISA rates+3.00%

    Billing currency conversion service charge 3.00%

    • easternculture on 29/01/2014 - 11:18
      +1

      Just use it with free trials on websites that require a credit card

      • GregFiona on 29/01/2014 - 11:23

        How do you pay the dormant account and monthly fees if you don't deposit any money?

        • easternculture on 29/01/2014 - 11:24

          dunno , mine is active as today. They might just cancel it at the end on 30 days and by then would have got all my free trials :D

      • c64 on 29/01/2014 - 11:24
        +1

        pfft, just use a visa debit card with zero balance

        • easternculture on 29/01/2014 - 11:26
          +1

          most visa debt cards with charge you a dishonor fee if you get a charge with no balance in your account

        • c64 on 29/01/2014 - 11:40
          +1

          i don't think that is correct. it is not a credit card. electronic authorisations should be declined, although in some cases it is possible for transactions to occur (eg, manual transactions). ingdirect won't let me spend 1c more than what is in my account at coles and my monthly $1 tpg payments bounce regularly :)

        • easternculture on 29/01/2014 - 11:43

          Hulu and Spotify premium work. Netflix doesnt

        • silvertone on 29/01/2014 - 12:27

          My Suncorp Visa Debit account allows any transaction up to $100 in the negative but charges an "honour" fee. Any transaction (electronic, direct debit or manual) that takes the account over $100 in the negative IS charged a dishonour fee.

        • [Deactivated] on 29/01/2014 - 12:49

          Netflix worked with my 28deg card (not that it was charged)

        • c64 on 29/01/2014 - 12:55

          you are right

          "Payment Honour Fee Applies if we allow a transaction initiated by you to overdraw your account. For example, a direct debit payment, Visa debit transaction, in branch withdrawal, EFTPOS or ATM withdrawal etc."

          seems stupid, because if you accidently try to withdraw too much from an atm or shop you get charged a fee lol.

          if you want to minimise that fee you could set up a sweep from a secondary account (eg high interest account).

          for ingdirect and many other financial institutions i've used, you can't spend more than you have in your account at the time using credit transactions. you get a declined response, even for $1.

  • ComfortablyNumb on 29/01/2014 - 11:19

    Entropay FTW

    • easternculture on 29/01/2014 - 11:20

      you need to load your account first to get you virtual card number with entropay

      • ComfortablyNumb on 29/01/2014 - 11:22

        But there's no fees involved?…. You can load with $20 and never decide to use it… no fees?

        Cancelling your account with those Bancore costs you a cool

        Close account / Withdraw to credit/debit card $7.99

        Not to mention also getting charged $0.49 a month for nothing!?

        • easternculture on 29/01/2014 - 11:27
          -1

          how can they charge you if you have no money in your account. They might just cancel it at the monthly anniversary date

        • tc4101 on 29/01/2014 - 12:43

          its called a bad credit rating and a debt collection agency calling you every day

        • easternculture on 29/01/2014 - 12:46

          There's a minimum amount required before you can report someone for a bad credit rating. Cant remember how much though

          A debt collection agency wont bother unless its a reasonable amount.

  • webtherapist on 29/01/2014 - 11:21

    would it cost anything to use it for trials that required credit card?

    • easternculture on 29/01/2014 - 11:23
      +1

      nope, as long as you dont charge it.

      It doesnt even ask for details except you mobile number (to activate account) and your fake name

      • c64 on 29/01/2014 - 11:24

        and your fake name

        which amounts to identity fraud

      • retiredfeline on 29/01/2014 - 11:27

        What if they decide to sell your mobile number to spammers as punishment for not paying the monthly fees? ;)

  • ddhytz on 29/01/2014 - 11:27

    before go in I need to know how to get out. :)
    Do they charge a cancellation fee when I want to cancel my card?

    • ddhytz on 29/01/2014 - 11:30

      find it - $7.99 to close account. So it's not free.

  • McFly on 29/01/2014 - 11:28

    This is not free - the absolute minimum cost is $8 (just opening and closing.)

    • easternculture on 29/01/2014 - 11:29
      +1

      mine is open, Just used it for a new hulu trial

      • ddhytz on 29/01/2014 - 11:31

        so you are going to pay $0.49 per months?

        • easternculture on 29/01/2014 - 11:33

          nope, my account balance is $0. And not planning to charge it

        • ddhytz on 29/01/2014 - 11:35

          by opening an account you have signed a contract with them and agree to those fees. I am not sure how they get money from you. Maybe from your phone's credit?

        • holdenmg on 29/01/2014 - 11:36

          you rebel! lol

        • easternculture on 29/01/2014 - 11:36

          Maybe from your phone's credit?

          $0 credit

        • nghori on 29/01/2014 - 11:40

          Credit Rating?

        • easternculture on 29/01/2014 - 11:41
          +4

          Im pretty sure John Smith's credit rating is already bad

        • wildstone on 29/01/2014 - 12:24

          So really you only get it for one month? I assume they disable you account for non-payment. When you need it again you got to re-signup?

  • firstpost bekind on 29/01/2014 - 11:41

    You have to use your PayPal to verify it.couldn't they charge your PayPal?

  • c64 on 29/01/2014 - 11:46

    it also says "*) Note Apple does not accept Virtual VISA at iTunes.". other retailers might also reject the card

    • easternculture on 29/01/2014 - 12:48

      I know Virtual Credit cards work with newegg , i remember getting the FREE Hulu 1 month Gift certificate with a virtual card registered

  • Food on 29/01/2014 - 14:10

    How do you sign up for credit card number?
    Please select payment method is what comes up 4 me

    • Food on 29/01/2014 - 14:36

      Dont worry, got it. Cheers op great deal

  • spendinghacker on 29/01/2014 - 14:44

    Why bother? Just use your debit card for an account like ING Direct or Citibank Plus that have no fees on anything.

    Not sure what is the benefit of having something like that but maybe someone can highlight that to me. Is there ANY benefit to having something like that over a debit card linked to an account with zero balance and zero fees?

    • easternculture on 29/01/2014 - 21:56
      -2

      because u get charged a dishonor fee if an attempt is made to charge you and you have no money in your account

      • c64 on 30/01/2014 - 10:14
        +1

        that is simply not true for all financial institutions. choose the right australian financial institution. what ginmi said is correct, the ingdirect account is transaction-fee free, no honour/dishonour fees for bounced credit transactions.

  • tonester on 29/01/2014 - 16:49

    Get a free virtual via prepaid card with Bancore to use with free trials of Hulu, Uber and other Sites that require a credit card to sign up.

    fyi won't work without funds for sites such as uber that make a temporary authorisation charge :(
    https://www.ozbargain.com.au/node/129704#comment-1796573

    • easternculture on 29/01/2014 - 18:08

      incorrect , i used a virtual card to sign onto to uber (from paypoint.com) around a month ago and it worked. Please dont make claims unless you can support them

      The only sites that i noticed doesnt accept them that i tried is netflix and quikflix

      Even Amazon accepted an order with a virtual card, then for an email 5 min later that they couldn't process a payment

      • tonester on 30/01/2014 - 10:58

        without funds - no credit, zero balance? i don't think so

        how can i be sure? i tried with uber :)

  • roberto7 on 30/01/2014 - 02:31

    hi everyone - do any of you know if we can use this at US sites that only accept US-based credit cards/cards with a mandatory US-based Billing address? I was trying to complete some purchases at Uniqlo US and H&M US this week and it was no-go for both stores…

  • tonester on 30/01/2014 - 11:06

    fyi for other vcards check out https://www.ozbargain.com.au/node/118811#comment-1628796 :)

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