USER029 — Personal Accounts: How Do I Transfer Funds to a Virtual Visa or Mastercard?

Last updated: August 18, 2026

Overview

Transferring your digital wallet balance to a Virtual Visa or Mastercard provides instant access to your funds for online, phone, and mobile app purchases. Virtual cards are issued globally and allow you to make secure transactions anywhere Visa or Mastercard digital payments are accepted.

Prerequisites Before Transferring

  • Verified Account: Ensure your personal profile is completed to 100% to meet standard identity compliance requirements.

  • Sufficient Balance: Confirm your wallet balance covers the total card value requested along with any applicable creation or processing fees.

  • Geographic Eligibility: Verify that your country of residence is listed under approved countries for virtual card issuance (see Personal Accounts: Approved Countries for Prepaid Visa & Mastercard Issuance).



Want to see how this works in real-time? Use the interactive demo below to click through the steps before reading the full guide.







Step-by-Step Instructions



1. Log In to Your Account:

Go to xtrm.com and sign in to your Personal Account.



2. Navigate to Transfer Options:

In the main navigation menu, click Transfer and select Prepaid Virtual Debit Card



3. Select Your Wallet & Card Type:
  • Choose the Source Wallet (e.g., USD, EUR, CAD, GBP) you wish to transfer funds from.

  • Enter Email Address and select Card Currency



 





4. Enter Transfer Amount:

Input the specific amount you wish to load onto the virtual card, then click Continue.



5. Review & Confirm:

Double-check the card value, currency, and fees, then click Agree to the Terms and Conditions and click on Purchase.





6. Access Your Virtual Card:

Upon completion, your virtual card details will be issued. You will receive an immediate on-screen access link as well as a redemption email sent to your registered email address.



Your Prepaid Visa Reward redemption code will arrive by email. You will have 4 months to redeem your Promo code for a Visa Virtual Account. Once accessed, you'll have 7 months to use your account wherever Visa Debit is accepted online or over the phone. Or, choose a Physical Prepaid Card to be mailed to you (USD 3.00 shipping and handling fee will apply). Please note that some merchants may choose not to accept out-of-country currency at their discretion. If this occurs, pay for your purchase by another payment method and use your Visa Virtual Account at a different merchant. Also, note that a 2% Non-U.S. A currency Transaction fee will be applied if the merchant settles in a currency other than USD. The card is issued by The Bancorp Bank, Member FDIC, under a license from Visa U.S.A. Inc.



$USD Prepaid Visa or Mastercard$AUD Prepaid MasterCard$CAD Prepaid Visa
INR Prepaid Visa
¥ CNY Prepaid UnionPay
€EUR Prepaid MasterCard£GBP Prepaid MasterCard
$5-$1000$5-$750$5-$750
500- 10,000
¥ 10 - ¥ 5000
$5-$1000£5-£1000



Key Things to Know

  • Instant Access: Virtual card claim links and codes are generated immediately upon transaction confirmation.

  • Usage Restrictions: Virtual cards are designed strictly for online, over-the-phone, and mobile app purchases. They cannot be used at physical point-of-sale terminals or for cash withdrawals at ATMs.

  • Expiration Dates: Virtual card claim tokens typically expire within 3 to 12 months if left unclaimed. Once claimed, the issued card numbers remain valid through the expiration date printed on the virtual card.

  • Non-Refundable & Cancellation Policy: Once a virtual card is generated, the transaction generally cannot be cancelled or returned to your Xtrm wallet. If you require a card to be refunded, we can submit a request to cancel it on a best-efforts basis; however, a 25% fee will be deducted from the cancelled card value.

 

Redemption Flow



1. Delivery (Redemption Link & Digital Token):
Redemption Step 1



You will receive a Redemption Link and a Digital Token in an email to access your reward. The Redemption Link provides direct access to the reward, while the Digital Token acts as a backup if you lose access to the link or are logged out due to inactivity before completing redemption.



Example Email Notification







2. Card Selection (Virtual vs. Physical):
Redemption Step 2.

Choose whether to receive a Virtual product (available instantly) or a Physical product (delivered by mail). If you select a physical card, any applicable creation/mailing fees will be clearly identified before you finalize your selection.





3. Card Profile Information:
Redemption Step 3.



Upon clicking your chosen card option (Virtual or Physical), enter the required profile details—including your full legal name, address, and email—to complete card registration.









4. Order Summary & Card Access:
Redemption Step 4.
  • Virtual Cards: Card details display immediately on screen for instant online use.

  • Physical Cards: Order confirmation will display; your plastic card will be mailed to your specified address.





5. Optional Card Storage:
Redemption Step 5.

To secure your card for later use, you can deposit and save it within the digital wallet provided by Prepaid Solutions.





 

Approved Countries Directory

Prepaid Visa and Mastercards can be issued and activated in the following approved countries (organized by region):



 

Country of ResidenceCAD Issuance AllowedEUR Issuance AllowedUSD Issuance AllowedOther Country Issuance Allowed
Afghanistan







Åland Islands







Albania







Algeria







American Samoa







Andorra







Angolaü

ü

Anguilla







Antigua and Barbuda







Argentinaü

ü

Armenia







Aruba







Australiaü

üü
Austria

üü

Azerbaijan







Bahamas







Bahrain







Bangladesh







Barbados







Belarus







Belgiumüüü

Belize







Benin







Bermuda







Bhutan







Boliviaü

ü

Bonaire, Sint Eustatius and Saba







Bosnia and Herzegovina







Botswana







Brazilü





British Indian Ocean Territory







British Virgin Islands







Brunei Darussalam







Bulgaria







Burkina Faso







Burundi







Cambodia







Cameroon



ü

Canadaü

ü

Cape Verde







Cayman Islands







Central African Republic







Chad







Chileü

ü

China (Virtual Only)





ü
Christmas Island







Cocos (Keeling) Islands







Colombia







Comoros







Congo (Brazzaville)







Congo, Dem. Rep.







Costa Ricaü

ü

Cote d'Ivoire







Crimea







Croatia







Cuba







Curacao







Republic of Cyprusü

ü

Czech Republicüüü

Denmarküüü

Djibouti







Dominica







Dominican Republic







Ecuadorü

ü

Egyptü

ü

El Salvadorü

ü

Equatorial Guinea







Eriteria







Estoniaüüü

Ethiopia







Falkland Islands (Malvinas)







Faroe islands







Fiji



ü



Finlandüüü

Franceüüü

French Guiana







French Polynesia







Gabon







Gambia







Georgiaü

ü

Germanyüüü

Ghanaü

ü

Gibraltar

ü



Greeceüüü

Greenland







Grenadaü





Guadeloupe







Guam







Guatemalaü

ü

Guernsey







Guinea







Guinea Bissau







Guyana







Haiti







Hondurasü

ü

Hong Kong





ü
Hungaryüüü

Icelandü

ü

India (Virtual Only)





ü
Indonesia







Iran







Iraq







Irelandüüü

Isle Of Man







Israel







Italyüüü

Jamaicaü

ü

Japanü

üü
Jerseyü





Jordanü





Kazakhstan







Kenyaü

ü

Kiribati







Kosovo







Kuwaitü

ü

Kyrgyzstan







Laos







Latvia

ü



Lebanon







Lesotho







Liberia







Libya







Liechtenstein







Lithuaniaüüü

Luxembourgüüü

Macao







Macedonia (former Yugoslav Republic of)







Madagascar







Malawiü

ü

Malaysiaü

ü

Maldives







Mali







Maltaüüü

Marshall Islands







Martinique







Mauritania







Mauritius







Mayotte







Mexicoü

ü

Micronesia







Moldova (the Republic of)







Monaco







Mongolia







Montenegro







Montserrat







Moroccoü

ü

Mozambiqueü

ü

Myanmar (Burma)







Namibia







Nauru







Nepalü

ü

Netherlandsüüü

New Caledonia



ü



New Zealandü

ü

Nicaragua







Niger







Nigeria







Niue







Norfolk Island







North Korea







North Mariana Islands







Norwayüüü

Omanü

ü

Pakistanü

ü

Palestinian Territories







Panama







Papua New Guineaü

ü

Paraguayü

ü

Peruü

ü

Philippinesü

ü

Pitcairn







Polandüüü

Portugalüüü

Puerto Ricoü

ü

Qatarü

ü

Réunion







Romaniaüüü

Russia (Virtual Only)







Rwanda







Saint Kitts and Nevis







Saint Pierre and Miquelon







Samoa







San Marino







Sao Tome & Prin.ü





Saudi Arabiaü

ü

Senegal







Serbia







Seychelles







Sierra Leone







Singaporeü

ü

Slovakiaüüü

Slovenia







Solomon Islands







Somalia







South Africa







South Georgia and South Sandwich Islands







South Koreaü

ü

South Sudan







Spainüüü

Sri Lanka







St Barthélemy







St Helena, Ascension, Tristan da Cunha







St Kitts & Nevis







St Lucia







St Martin/Sint Maarten







St Vincent & Gren







Sudan







Suriname







Svalbard and Mayen







Swaziland (Eswatini)







Swedenüüü

Switzerland



ü

Syria







Taiwanü

ü

Tajikistan







Tanzania







Thailand



ü



Timor-Leste







Togo







Tokelau







Tonga







Trinidad and Tobagoü

ü

Tunisia



ü

Turkey







Turkmenistan







Turks & Caicos







Tuvalu







Uganda







Ukraine







UN Interim Admin Mission in Kosovo (UNMIK)







United Arab Emirates







United Kingdomü

üü
United Statesü

ü

United States Minor Outlying Islandsü





Uruguayü

ü

US Virgin Islands



ü

Uzbekistan







Vanuatuü

ü

Vatican City State (Holy See)







Venezuela







Vietnam







Wallis and Futuna







Yemen







Zambiaü

ü