Products and services

We develop products and services that make payments easier to make and to receive - bringing speed, security, and simplicity to transactions.

We provide payment solutions to suit everyone, from individuals and small businesses to corporations and the public sector. Our goal is to continue innovating cashless payment solutions – helping to make money flow and bringing tangible benefits for consumers, retailers, businesses, and governments.

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Visa business cards give the owners of small business control and flexibility to better manage their professional expenses and the flow of payments in and out.

Consulting and analytics

Visa Consulting and Analytics is all about business growth - helping our clients to get the most out of their card businesses across Europe.

Visa Consulting and Analytics has a proven track record in helping clients to improve their bottom line by getting the best value from their Visa portfolios.

Every provider wants the same things from card payments: to acquire the right customers and ensure that those customers' needs are met, to maximise portfolio profitability, and to enhance operational and financial effectiveness.

But everyone has different needs, approaches, and priorities.

Visa Consulting and Analytics helps clients establish innovative and value-creating payment solutions. We tailor our advice to each individual business situation and work alongside the organisation. Our emphasis is on delivering expertise and sharing our industry knowledge, so customers can continue to apply and benefit from it in the years to come.

We work with clients of all sizes, and cover the full spectrum of payments services. We apply a proven methodology to benchmark best practice, assess the current position, identify opportunities, and help plan for successful change. Over the last few years, Visa Consulting has:

  • Guided business strategy
  • Enhanced credit and debit programmes
  • Applied analytics to drive performance
  • Spread best practice in communications
  • Improved operations efficiencies
  • Optimised management information reporting
  • Boosted profitability
  • Helped control losses.

Our track record reflects our client focus: project approval ratings which consistently exceed 85% and a reputation which has led 100% of our clients to say they would like to work with us again.

Our consultants

We are a team of dedicated and professional specialists who focus on business growth for our clients with a value-based approach.

With pan-European and global experience drawn from across the payment card industry, our consultants deliver proven capability, strategic planning, and hands-on implementation of solutions tailored to your needs.


Visa Europe’s corporate services enable mid-sized and large businesses to simplify their procurement processes, streamline expenses, and better manage employee spend.

Visa Corporate

The Visa Corporate card is designed to help mid-size and large businesses manage, monitor and analyse travel and entertainment expenses.

The Visa Corporate card also offers advanced reporting and analysis of individual card expenditure, which means less administration and can help when negotiating preferential terms with suppliers.

Visa Company

Visa Company is a card programme that frees your organisation to focus on the important things.

The Visa Company card has been designed to give mid-sized businesses the knowledge, flexibility and efficiency to save both time and money. It frees your organisation to focus on the important things.

A Visa Company card takes the paperwork out of payment, saving time and money and freeing up resources so you can concentrate on your core business. Not only does it let you decide who can buy, with which supplier and how much can be spent, it also means you can easily track, manage and analyse expenditure – giving you the information you need to run your business efficiently.

Worldwide acceptance means you get the most out of your Visa Company card programme. The programme features an ordering and payment tool that allows you to make purchases in a variety of ways wherever you are – at home, abroad or even online.

For more information about how a Visa Company card can help your business please contact your issuing bank.

Visa Purchasing

Visa Purchasing helps organisations better manage, control, and streamline their procurement processes. It’s an automated procurement system, with low processing costs and comprehensive reporting and analysis tools, saving up to 80% of time spent on every purchase by eliminating paper-based purchase order and invoice processing.

Credit cards

Our range of credit card products helps issuers to give their customers what they want: flexibility, convenience, safety, and control.

Repayments can be spread over a period of time, so cardholders can adapt their outgoings to changes in their monthly financial position. This also provides reassurance for people using their card abroad or buying online

The diverse number of available programmes means customers can find the credit card best suited to their needs. Features include loyalty reward schemes, cashback, air miles, retailer offers, or simply a low interest rate.

How to get a Visa Credit card

Debit cards

Providing consumers with immediate, anytime access to their money.
The European debit card market is twice as large as the credit card market and still growing - Europeans use Visa debit cards to spend more than €1.5 million every minute, while debit cards account for more than 70% of all Visa cards across Europe.

We enable our clients to introduce targeted and tailored debit products which can be used across more channels, more often. We also help clients to drive card activation and usage rates with new portfolio management disciplines, and help them to create debit-based loyalty programmes.

How to get a Visa Debit card

Government services

For more information about Government Procurement Cards from Visa, go to: or email


Prepaid cards are pre-loaded with a set amount of money, offering cardholders convenience, security and control.

Instead of being linked to a bank account or providing a line of credit, a prepaid card is used to access funds in a prepaid account or one where monetary value is stored on a chip.

A variety of Visa prepaid cards are now being offered by banks, websites, and high street retailers.

Depending on the option chosen, a Visa prepaid card can be either disposable (like a gift voucher it can be used until spent, then thrown away) or re-loadable (like a prepaid mobile phone account, which can be topped up and re-used.


V PAY is a chip-only, PIN based, European debit product that meets the needs of European banks, using the EMV chip technology in which they have already invested.

For more information visit

Virtual cards

Virtual cards are usually prepaid and are designed specifically for the use via the internet, over the phone or by mail, so the applicant does not receive a physical plastic card. Usually the issuer provides them with details of a card account, such as the number, expiry date, security code etc, which can then be used to make purchases.

In the commercial space the cards do not have to be personalised but is issued to the company and can be used for purchases of goods and services in the card non present environment. The cards can bet either issued as prepaid or charge/credit cards and work similar to a physical plastic.

Get a card

Join the millions of people in Europe who use and trust Visa every day.

Simply select a country from the list below to find a provider that offers Visa cards and other Visa services.
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The following banks and financial institutions issue Visa cards in Andorra All links open in a new browser window

Andorra Banc Agricol Reig S.A.

BancSabadell D'Andorra

Credit Andorra

Mora Bank S.A.U

Vall Banc S.A.U


The following banks and financial institutions issue Visa cards in Austria All links open in a new browser window

Card complete Service Bank

Erste Bank & Sparkasse

Paybox Bank

PSA Payment Services Austria AG

Raiffeisen Bank International

Zuno Bank AG

Andorra Banc Agricol Reig S.A.


The following banks and financial institutions issue Visa cards in Belgium All links open in a new browser window

Belfius Bank S.A.

BNP Paribas Fortis

Imagor S.A.>

ING Belgium SA/NV

KBC Bank N.V.

Worldline S.A.




Czech Republic


The following banks and financial institutions issue Visa cards in Denmark All links open in a new browser window

Clearhouse A/S

Danske Bank A/S

Ekspres Bank A/S

Foreningen Visa Danmark F.M.B.A.

Teller A/S


The following banks and financial institutions issue Visa cards in Estonia All links open in a new browser window





The following banks and financial institutions issue Visa cards in Finland All links open in a new browser window

Aktia Bank PLC

Bank of Aaland PLC.

Bonum Pankki OY

Nets OY

Oma Saeaestoepankki OY

OP Cooperative

Saastopankkien Keskuspankki Suomi OY

Smartum OY

S-Pankki OY (S-Bank Limited)




The following banks and financial institutions issue Visa cards in Gibraltar All links open in a new browser window

Gibraltar International Bank Limited

Gibraltar Savings Bank

IDT Financial Services Limited

Jyske Bank

Transact Payments Limited

Wave Crest Holdings Limited




The following banks and financial institutions issue Visa cards in Iceland All links open in a new browser window

Borgun HF

Kortathjonustan HF.

Valitor HF.


The following banks and financial institutions issue Visa cards in Ireland All links open in a new browser window

Allied Irish Banks PLC

Chase Paymentech Europe Limited

Citibank Europe PLC

Elavon Financial Services Limited

Permanent TSB PLC

The Governor and Company of the Bank of Ireland


The following banks and financial institutions issue Visa cards in Israel All links open in a new browser window

Bank Hapoalim B.M

Bank Leumi Le-Israel B.M

Israel Credit Cards Limited

Israel Discount Bank LTD.

Israel Postal Bank Company Limited

The First International Bank of Israel Limited




We currently do not have any financial institutions listed for Liechtenstein


The following banks and financial institutions issue Visa cards in Lithuania. All links open in a new browser window

AB DNB Bankas

AB SEB Bankas

AB Siauliu Bankas


The following banks and financial institutions issue Visa cards in Luxembourg. All links open in a new browser window

Catella Bank SA

Enterprise des Postes et Telecommunications

ING Luxembourg SA

Paypal (Europe) S.A.R.L. and CIE, S.C.A.

Visalux S.C.




The following banks and financial institutions issue Visa cards in Norway. All links open in a new browser window

Bank Norwegian AS


Eika Gruppen AS

Folkefinans AS

Visa Norge FLI






The following banks and financial institutions issue Visa cards in Slovenia All links open in a new browser window
Abanka d.d. Ljubljana
SKB Banka d.d. (GSG)
Bank Austria Creditanstalt Ljubljana
Banka Celje
Banka Koper d.d.
Nova Kreditna Banka Maribor d.d.
Nova Ljubljanska Banka
Postna Banka Slovenije d.d.


The following banks and financial institutions issue Visa cards in Spain All links open in a new browser window
Banca March
Banca Pueyo
Banco Alcalá
Banco Caixa Geral
Banco Cetelem
Banco Cooperativo Español
Banco de Andalucía (Grupo Banco Popular)
Banco de Castilla (Grupo Banco Popular)
Banco de Crédito Balear (Grupo Banco Popular)
Banco de Galicia (Grupo Banco Popular)
Banco de Valencia
Banco de Vasconia (Grupo Banco Popular)
Banco Espirito Santo
Banco Etcheverría
Banco Finantia Sofinloc
Banco Gallego
Banco Guipuzcoano
Banco Halifax Hispania
Banco Madrid
Banco Pastor
Banco Popular (Grupo Banco Popular)
Banco Sabadell
Bancopopular e-com (Grupo Banco Popular)
Banif (Grupo Santander)
Bankoa Credit Agricole
Barclays Bank
Barclays Bank Plc
BBVA (Banco Bilbao Vizcaya Argentaria)
Caixa Altea
Caixa Catalunya (Caixa D´Estalvis De Catalunya)
Caixa Galicia
Caixa Manlleu (Caja de Ahorros Comarcal de Manlleu)
Caixa Manresa (Caja de Ahorros de Manresa)
Caixa Ontinyent
Caixa Penedès (Caja de Ahorros del Penedès)
Caixa Popular
Caixa Rural Almassora (Caja Rural San José de Almassora)
Caixa Rural de Callosa D'en Sarriá
Caixa Rural de Guissona
Caixa Rural de L'Alcudia
Caixa Rural Galega
Caixa Sabadell (Caja de Ahorros de Sabadell)
Caixa Sant Vicent (Caja Rural San Vicente Ferrer de Vall de Uxó)
Caixa Tarragona (Caja de Ahorros Provincial de Tarragona)
Caja Caminos (Caja de Crédito Colegio de Ingenieros de Caminos, Canales y Puertos)
Caja Cantabria
Caja Círculo de Burgos
Caja de Abogados
Caja de Arquitectos, Soc. Coop. de Crédito
Caja de Ávila
Caja de Badajoz
Caja de Burgos
Caja de Crédito de los Ingenieros (Caixa Coop. de Crédito Colegio de Ingenieros de Cataluña)
Caja de Crédito de Petrel
Caja de Extremadura
Caja Duero
Caja España (Caja España de Inversiones)
Caja Granada
Caja Laboral Euskadiko Kutxa
Caja Madrid (Caja de Ahorros y Monte de Piedad de Madrid)
Caja Murcia
Caja Rural Canarias
Caja Rural Castellón (Caja Rural Castellón - San Isidro, S. Coop. de Crédito Valenciana)
Caja Rural Central
Caja Rural de Algemesí
Caja Rural de Alginet
Caja Rural de Almendralejo
Caja Rural de Asturias
Caja Rural de Burgos
Caja Rural de Casas Ibáñez
Caja Rural de Cheste
Caja Rural de Ciudad Real
Caja Rural de Córdoba
Caja Rural de Extremadura
Caja Rural de Fuentepelayo
Caja Rural de Gijón
Caja Rural de Granada
Caja Rural de Jaén
Caja Rural de Navarra
Caja Rural de Salamanca
Caja Rural de Segovia
Caja Rural de Soria
Caja Rural de Tenerife
Caja Rural de Teruel
Caja Rural de Toledo
Caja Rural de Utrera
Caja Rural de Zamora
Caja Rural del Sur
Caja Rural Nuestra Señora del Rosario de Nueva Carteya
Caja Rural San Isidro de Vall de Uxó
Caja Rural Torrent
Caja Sur
Cajamar (Caja Rural Intermediterránea, S. Coop. de Crédito)
CCM - Caja Castilla La Mancha
Citibank España
Colonya Caixa Pollença
Credit Valencia, C.R. Coop. de Crédito. Valenciana
Fibanc (Banco de Finanzas e Inversiones)
Iberia Cards
ING Direct
Ipar Kutxa Rural, S. Coop. de Crédito.
La Caja de Canarias
Lloyds TSB Bank Plc, Sucursal en España
MBNA Europe Bank Limited
Open Bank Santander Consumer (Grupo Santander)
Popular Banca Privada (Grupo Banco Popular)
Ruralcaja (Caja Rural del Mediterráneo)
Santander (Grupo Santander)
Santander Consumer Finance (Grupo Santander)
Servicios Financieros Carrefour
Triodos Bank
Uno-e Bank, S.A.
Vital Kutxa


The following banks and financial institutions issue Visa cards in Sweden All links open in a new browser window
Danske Bank
Forex Bank
Ikano Bank
Lansforsakringar Bank
Marginalen Bank
Nordea Bank
OKQ8 Bank
Resurs Bank
Sparbanken Öresund
Sparbanken Syd


The following banks and financial institutions issue Visa cards in Switzerland All links open in a new browser window
Banque SCS Alliance
Citibank Commercial Cards
Cornèr Banca
Jelmoli Bonus Card AG
VISECA Card Services


United Kingdom

Vatican City

We currently do not have any financial institutions listed for Vatican City


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Why should I use Verified by Visa?

Verified by Visa protects your card against unauthorised transactions, giving you complete confidence when shopping online. Your Visa transaction will only be authorised when you supply your password.

Why do we need Verified by Visa? Hasn’t Visa been taking my security seriously before?

Visa has always made your security a top priority. Verified by Visa is an additional layer of security to give you total confidence when shopping online.

I was asked to sign up for Verified by Visa when I was in the middle of buying something online. Is this a scam?

Verified by Visa is an official Visa service, designed to give you extra protection and peace of mind when shopping online. You’ll be asked if you want to join Verified by Visa if you’re shopping at a web site which has signed up to the service and if your Visa card issuer supports it. If you decide to sign up, this will take place before your transaction is complete.

I’ve signed up. But how can I tell that I’m in a genuine Verified by Visa process and not part of a scam?

As part of the payment verification process, you will see a personal message that you provided when you signed up for Verified by Visa. Only you and your bank know what the message is so you can be confident you are in a genuine Verified by Visa process.

What do I do if I forget my password?

If you forget your password you can easily reset it – the exact process will depend on your bank. In most cases, you will see a ‘Forgot your password?’ link. When you click the link, you’ll be asked for some information that you provided when you registered. Your password will then be securely and instantly reset and you’ll be able to carry on with your online transaction.

I’ve been sent an email by Verified by Visa asking me to update my details. Is this right?

Verified by Visa will never send you an email requesting you to update your details for any reason. If you get one of these emails, it is a scam and you should report it to your card issuer – the telephone number is on the back of your payment card