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Can I use the Fluz virtual cards internationally?

virtual cards, multi-use cards, international users, foreign transactions, foreign currencies

Mar avatar
Written by Mar
Updated over a week ago


Can I use the Fluz virtual cards internationally?

Generally, the virtual cards can be used anywhere as long as the merchant accepts Mastercard/ Visa payments.
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However, note that the virtual cards are U.S based and will be linked to a U.S. billing address. Some stores abroad may not accept international cards. Further, some websites, especially subscription based ones, may not accept prepaid cards. Your best resource would be to check with the merchant's customer support or FAQ page.

Are virtual cards available for international users?

An international citizen can use Fluz virtual cards, but they will need to provide a US legal address.

What if I make a foreign transaction with the Fluz virtual card? How are foreign currencies charged?

All charges on the Fluz virtual card will be in US dollars. If you are transacting in a foreign currency, the charge will be converted to US dollars based on foreign conversion rates plus a 3% foreign transaction fee.
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It is important to account for conversion rates and fees when initially generating the virtual card. If the final amount charged is higher than the amount generated, the transaction may be declined for insufficient funds.
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For example, if a $200 virtual card is generated and used in the UK for GBP190, the transaction will be declined due to insufficient funds because the actual amount will be around US $248.

What are some countries where virtual cards might not work with merchants?

Afghanistan

Algeria

Belarus

Burundi

Central African Republic

Congo, Democratic Republic

Congo, Republic (Kinshasa)

Cuba

Democratic Republic of Congo

Iran

Iraq

Korea (North)

Lebanon

Liberia

Libya

Mauritania

Myanmar (Burma)

Nicaragua

Democratic People's Republic of Korea (a.k.a. North Korea)

Russia

Somalia

South Sudan

Sudan and Darfur

Syria

Ukraine

Venezuela

Yemen

Zimbabwe

More questions? Feel free to reach out to one of our Fluz Champs. You may call our Customer Hotline at +1 646-760-7479. You can also use the Chat option at the bottom of your screen, or if you're on the app, go to Help and chat with us.

Fluz is a financial technology company, not a bank. Banking services provided by partner banks, members FDIC.

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