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it is one of Top-10 Russian bank with 54 millions of clients, exists 20 years and it never had office for clients from the start and till now. Global Finance — World’s Best Consumer Digital Bank (2020) Global Finance — Best Consumer Digital Bank in Central & Eastern Europe (2020) Global Finance — Best Mobile Banking App (2020) Global Finance — Best Online Banking Site (2020) Retail Banking International — European Retail Bank of the Year (2020) The Banker — Bank of the Year (Russia) (2021) World’s Best Digital Bank Awards — Most Innovative Digital Bank in Central & Eastern Europe (2021) J.P. Morgan — Quality Recognition Awards for Payment Processing (2021)

Floridarob, I use the very same VISA and Mastercard cards that you do—as well as the Chinese UnionPay and the Russian "Mir." Naturally, I hold both credit and debit cards—and they are absolutely identical (!) to yours except logo printed on the card, since all the features you described so vividly are provided not by the bank itself, but by the payment systems. All I said above: virtual debit cards are the best solution for conducting high-risk transactions; after all, it is impossible to steal money from an "empty wallet." In the event of successful fraud, however, using a virtual credit card would result in unnecessary hassles and disputes with the bank. Furthermore, I understand the benefits of using credit cards even better than you do: here, the grace period lasts three months, and the interest rate on deposits stands at 12–16%. Therefore, in most cases, I pay using a credit card, allowing my own funds to generate an additional 3–4% in profit for me during that grace period—right up until the moment I pay off the balance on that interest-free, three-month loan.

it is exactly what you should never do: because you will have no protection against scammers on that way - they will use your credit if balance on card will be zero... virtual cards always should be debit cards with restricted overdraft - only on that way scammers will receive from bank "sorry, not enough funds"

Beat Ukraine? Nice try Ukraine has, quite effectively, beat itself—with Zelensky’s help. Almost every political force is now aligned against him—from the Left (because of censorship and dictatorship, and presidential elections that have already been delayed for two years) to the far Right (because of endless losing territories and negotiations with Russia)—with the sole exception of his own party. Even his own ambassador in London Zaluzhny publishes articles in Western newspapers against him. All that remains for us is to watch and wait until this spectacle culminates in their national catastrophe. The country’s budget deficit this year amounts to 50% of the total budget, while tens of billions dollars of Western aid landing to private pockets. But then again, the topic at hand is actually about bank cards.

The ability to issue virtual cards is a feature provided by Visa and Mastercard. Whether your bank utilizes this depends on the bank itself. And it also depends on just how modern your bank's mobile app is. In my country, digital services are highly advanced—largely because Generation Z has a strong aversion to getting out of their chairs. Among the top local banks, there are some that have absolutely no physical branches for customers; there is simply no need, as every issue can be resolved directly through the app. This even extends to services like safe deposit boxes: you simply tap a button in the app, and—wherever you specify (within your city and its suburbs)—a bank employee arrives with a safe deposit box, accompanied by two armed security guards. You take the box, unlock it with your own key, attend to your business, seal and lock the box, and they depart. This service is provided free of charge, provided you maintain a deposit balance of at least $12,500 with the bank (regardless of the currency). As for physical bank cards, they barely warrant mention: if you need a card, you issue it via the app; fifteen minutes later, a bank employee calls to ask where and when to deliver it; and a couple of hours after that, a courier arrives with the card in hand. Most banks have evolved their apps into full-fledged ecosystems. Directly through the app, you can purchase tickets for the theater, flights, or trains; rent a car; book a hotel; and calculate and pay your taxes—with the bank's AI automatically handling the calculations and suggesting strategies for tax minimization and claiming tax deductions. You can even use the app to correspond with government agencies and digitally sign official letters, rendering these messages legally binding documents. Through the app, you can insure your real estate, car, or health, as well as purchase travel insurance. You can also use it to invest in stocks and bonds, and to exchange one currency for another in any desired amount at any time (during business hours, directly on the exchange at the exchange rate; at night, at the bank's rate). You can even purchase goods—ranging from jewelry and high fashion to pizza. Furthermore, if you maintain a relatively modest deposit balance of $12,500 with the bank, you gain access to premium services. These include concierge services—who can book tickets, restaurant tables, limousines, hotels, and flights on your behalf—as well as legal experts, whom you can consult directly via the in-app chat regarding business or tax matters, and investment advisors ready to discuss where best to allocate your funds.

The balance of a virtual card is topped up directly within the banking app; since the card number is never manually entered using the phone's keypad, there is nothing for a snooper to intercept. The process typically works like this: within the app, you select "Issue Virtual Card," the card appears on your screen, you then tap on the card and select "Top Up," enter the desired amount, choose the physical card from which the funds should be drawn, and tap "Transfer." Done. Once a payment has been made, the card is left with a zero balance. I usually keep the card active until I have received the goods or utilized the service; this ensures that if anything goes wrong, any refund will be credited back to that specific card. However, as soon as the transaction is successfully concluded, the card can be deleted.

I wonder why at this time people still use real bank card for payments on websites, while virtual cards may be issued instantly and just in one click and even for each payment and it cost nothing. I use only virtual cards for payments in web, topping up its balance only amount I want to pay right now. So information about my card is useless for everyone.

It has no meaning, because these words are quotes from the speech of USAID Deputy Inspector General Adam Kaplan on the meeting with US lawmakers... such meetings are recorder by many medias... it isn't gossip from "anonymous source"

New-York Post yesterday: https://nypost.com/2026/03/17/us-news/usaid-watchdog-expanding-probe-into-more-than-100-unrwa-employees-linked-to-hamas-oct-7-attack/

it should be "Just for reference: in the history of Russia since the Russian Empire, only six European countries have [n]ever invaded Russia"... mistyping

It is located to the East from Chiang Mai. And if you will drive to West from Chiang Mai about the same distance, then you will visit villages of Hmong people. by the way you may also visit few waterfalls and Doi Inthanon (Thailand's highest point) with amazing views

The list of American interventions shows, what "America says" and "America does" are two quite opposite things. And shows what America has no principles: look on the table above comparing Miloshevic and Syngman Rhee.

Oh. I meant Saigon. In Da Nang I had mediocre impressions from massage, but my sampling was even smaller - just one parlor.

And if you want to be discrete, then instead of additional earbuds you should buy set of earbuds tips. Use one earbud in your ear, give second one to boy with disposable tip on it and you both will have conversation relatively privately - Gemini translating not speech, but conversation, moreover, you may have phone on table and boy will easy read what you are saying, because interface of translator may flip boy's part of screen.