Top Privacy.com Alternatives

In 2025, online security is more important than ever. Privacy.com has been a go-to tool for protecting your financial data with virtual cards, but it’s not the only option. If you're looking for something better or just want to explore other Privacy.com alternatives, you're in the right place. Whether you need secure online payments, virtual debit cards, or even a free alternative, there are several options tailored to your needs. In this blog, we’ll dive into the best Privacy.com competitors, compare features, and help you find the perfect solution to keep your online transactions safe and private. Keep reading to find the top apps for safeguarding your financial details!

Why Look for a Privacy.com Alternative?

Privacy.com offers virtual credit cards, but it isn’t the best fit for everyone. Many users seek Privacy.com alternatives for better features, improved privacy, or broader access. Here’s a breakdown of why some prefer Privacy.com competitors and what to consider when choosing your next secure payment tool.

Limitations of Privacy.com

Privacy.com works great if you're based in the US and need a way to mask your debit card for online purchases. It helps prevent fraud, makes subscription cancellations easy, and keeps your real card details safe. However, it has some limitations:

• US-only availability: Privacy.com is only available to US residents.
• No support for credit cards: It only supports debit cards for creating virtual cards.

Many users on Reddit and review sites highlight these limitations as key reasons they switch to other virtual credit card alternatives.

User Privacy and Security Needs

While Privacy.com offers basic security features like two-factor authentication and real-time notifications, it lacks some advanced privacy options. If you're looking for enhanced protection such as biometric authentication, masked emails, or virtual phone numbers, IronVest is a strong competitor. IronVest provides these extra layers of security for both credit and debit cards, offering peace of mind, especially for users concerned about phishing or account takeovers.

International Support and Currency Options

Another reason many users look for Privacy.com alternatives is the lack of international support. If you live outside the US, travel frequently, or shop globally, Privacy.com’s geographic limitations may be a dealbreaker. Fortunately, there are other apps like Revolut, Wallester, and US Unlocked that support multiple countries and currencies, making them excellent Privacy.com alternatives in regions like India, Europe, and beyond. This added flexibility is a huge advantage for global shoppers.

10 Best Privacy.com Alternatives

If you’re looking for more than just basic virtual cards, you want real privacy, global reach, and features that cater to your lifestyle or business. Below is a list of the top Privacy.com alternatives trusted by users in 2025. Each option brings unique features, helping you find the perfect fit for your needs.

1. IronVest (Formerly Blur)

IronVest is a privacy super app that goes beyond virtual cards. It offers masked credit and debit cards, biometric authentication, masked emails, and a built-in password manager, ensuring your online transactions and communications are secure. IronVest allows unlimited masked card creation depending on your plan, with continuous biometric authentication for extra security.

Key Features

• Masked credit and debit cards for secure transactions
• Biometric authentication for enhanced security
• Masked emails and password manager for privacy
• Unlimited masked card creation (depending on plan)
• Available on both free and paid plans

Pros

• Acts as an all-in-one privacy suite
• Advanced security, seamless card creation, and protection for emails and phone numbers
• Free and paid plans available

Cons

• Some features are US-only
• Fees may apply for certain funding methods, especially with premium features

Pricing

IronVest offers Free, Plus, and Ultimate plans. Start for free and paid plans starts at $39/year

Why choose IronVest?

If you’re looking for more than virtual cards—like biometric security and comprehensive privacy tools—IronVest is an excellent Privacy.com competitor.

2. Revolut (Best for Europe & International)

Revolut is a top choice for global users, particularly in Europe. It offers disposable virtual cards, supports multiple currencies, and operates in over 35 countries. Revolut’s mobile app provides a sleek, user-friendly experience with strong security features, making it ideal for managing your finances, shopping online, and traveling.

Key Features

• Disposable virtual cards for secure transactions
• Multi-currency support for international payments
• Security features including two-factor authentication
• Available in over 35 countries, including Europe

Pros

• Available internationally, especially in Europe
• Supports multiple currencies and offers strong security
• Easy-to-use virtual cards

Cons

• Requires KYC (Know Your Customer) verification
• Some users find it less private than specialized privacy apps

Pricing

Revolut has both free and premium plans. The free plan includes most features, while premium plans starting at $9.99/month offer additional perks like higher limits and travel insurance.

Why choose Revolut?

If you need a Privacy.com alternative in Europe or want broader international support, Revolut offers more flexibility and payment options than Privacy.com.

3. Ramp (Best for Businesses)

Ramp is ideal for businesses that need control over spending. It provides corporate virtual cards, detailed spending controls, and integrations with accounting tools. Ramp helps businesses manage transactions, track expenses, and automate reporting, making it a powerful tool for expense management.

Key Features

• Corporate virtual cards for business use
• Detailed spending controls and real-time tracking
• Integration with accounting software like QuickBooks
• Available in 195 countries worldwide

Pros

• Robust spending controls and real-time tracking
• Integrates with popular business software
• Available in 195 countries, making it a global solution

Cons

• Business-focused and best for teams
• US-centric, so some features may not be available globally

Pricing

Ramp offers a lifetime free basic plan, with custom pricing available for larger teams or advanced needs. Paid plans start at $15/month per user.

Why choose Ramp?

If you run a business and need more than virtual cards, Ramp provides a complete Privacy.com competitor with tools that simplify and secure expense management.

4. Skrill

Skrill is a popular Privacy.com alternative for users who need global payments and virtual prepaid cards. It allows you to manage everything from a single wallet, including sending money abroad, shopping online, or trading forex. Skrill supports over 40 currencies and operates in 180 countries, making it an international solution.

Key Features

• Virtual and physical prepaid Mastercards
• Two-factor authentication and 128-bit SSL encryption for security
• Spend control with spending limits
• Integration with over 100 local payment methods

Pros

• Global reach and multi-currency support
• Easy setup and user-friendly app
• Strong fraud protection and real-time tracking
• Works with many online stores and services

Cons

• Fees for international transfers (up to 3.99%) and withdrawals (starting at $5.50)
• Lacks advanced analytics and budgeting tools

Pricing

Fees vary by country and transaction type. Deposits are usually free, but withdrawals and currency exchanges come with charges.

Why Choose Skrill

Skrill offers broader availability and supports both virtual and physical cards. While Privacy.com is US-only, Skrill is a great option for users in Europe, India, and globally.

5. Klutch (US Only)

Klutch is a flexible Privacy.com competitor designed for US users. It allows you to create unlimited programmable virtual cards and set custom rules, making it ideal for managing subscriptions, one-time purchases, or family spending.

Key Features

• Unlimited virtual cards
• Set custom spending limits and freeze cards instantly
• Strong security features for peace of mind

Pros

• Unlimited virtual cards
• Customizable controls and spending limits
• Great for managing multiple subscriptions or family accounts

Cons

• Only available in the US
• No support for physical cards or international payments

Pricing

No annual fees, No foreign fees. Some features are free, while others require a subscription or pay-per-use.

Why Choose Klutch

Klutch offers unlimited cards and greater flexibility in managing online payments, making it an excellent choice for those who need more control over their virtual cards.

6. Moon (Crypto Prepaid Cards)

Moon is a unique Privacy.com alternative for cryptocurrency users in the US. It lets you create prepaid virtual cards funded by cryptocurrencies, making it easy and private to shop online anywhere that accepts Visa.

Key Features

• Prepaid virtual cards topped up with Bitcoin or other cryptocurrencies
• Works for online purchases and subscriptions
• Simple, secure platform for crypto payments

Pros

• Crypto-friendly and easy to use
• Free virtual cards for basic use
• No need for a traditional bank account
• Great for privacy-focused users

Cons

• Only available in the US
• Requires cryptocurrency to fund your cards

Pricing

Basic virtual cards are free. Some premium features or higher limits may require payment.

Why Choose Moon?

Moon is perfect if you want to use cryptocurrency for online payments. It’s a great Privacy.com alternative for crypto enthusiasts who prefer privacy without traditional banking.

7. MySudo (Mobile Privacy App)

MySudo is an all-in-one privacy app for mobile users in the US. It offers virtual cards, phone numbers, and email addresses to keep your identity safe online, providing a comprehensive privacy suite.

Key Features

• Create multiple virtual cards, phone numbers, and emails
• Designed for privacy from the ground up
• Easy-to-use interface for mobile devices

Pros

• Complete privacy suite for mobile
• Virtual cards, phone numbers, and emails in one app
• Free and paid plans for different needs

Cons

• Only available in the US
• Some features require a paid plan

Pricing

MySudo offers both free and paid plans. Paid plans unlock more cards, numbers, and premium features. Paid plans start as low as $1.99/month

Why Choose MySudo

MySudo offers a more comprehensive suite of privacy tools than Privacy.com, making it a strong alternative for users who want to protect payments, calls, and emails all in one app.

8. US Unlocked: For Accessing US-Only Services Abroad

US Unlocked is an ideal Privacy.com alternative for international users who want to shop from American stores or access US-only streaming services. It provides instant virtual prepaid cards with US billing and shipping addresses, enabling purchases from sites like Amazon, Apple, and HBO Max, even if you’re not in the US.

Key Features

• Virtual Visa cards for one-time use and merchant-specific options
• Custom spending limits and merchant-locking for fraud prevention
• Real-time transaction tracking
• US billing and shipping addresses for easy US-based shopping

Pros

• Shop US stores and subscribe to US services from anywhere
• Customizable spending controls
• Merchant-locking reduces the risk of fraud
• Transparent fees and real-time expense tracking

Cons

• Cards are USD-only (no multi-currency support)
• Fees for enrollment, loading, and monthly maintenance
• Load limits and ID verification for higher amounts

Pricing

• Monthly: $4.95
• Annual: $39.95
• No transaction fees when you spend with your Visa card.

Why choose US Unlocked

If you want to access US-only shopping and streaming services, US Unlocked is a great Privacy.com competitor for international shoppers and expats looking for a secure, US-based virtual card.

9. Wallester: Business and Personal Virtual Cards

Wallester is a versatile Privacy.com alternative for both businesses and individuals. It offers instant virtual cards for online payments, subscriptions, and expense management. Wallester supports both Visa and Mastercard, making it widely accepted for online transactions.

Key Features

• Unlimited virtual cards for business or personal use
• Custom spending limits and real-time transaction monitoring
• Advanced analytics and accounting tool integrations
• Supports multiple currencies

Pros

• Unlimited cards for teams or individuals
• Works for both business and personal use
• Advanced analytics and integrations
• Supports multiple currencies

Cons

• Some advanced features are available only in premium plans
• Not as widely known as other global brands

Pricing

Features are free. You just pay for extra cards

Why choose Wallester?

Wallester is an excellent Privacy.com alternative for those who need robust spending controls, analytics, and support for both business and personal use, making it ideal for companies or freelancers managing multiple expenses.

10. Mercury: Digital Bank with Virtual Cards

Mercury is a modern digital bank tailored for startups and online businesses. It stands out as a Privacy.com competitor, offering both banking and virtual cards in one solution. Mercury provides FDIC-insured business accounts, free domestic and international wire transfers, and unlimited virtual debit cards.

Key Features

• Unlimited virtual cards for team members
• No monthly fees or minimum balances
• FDIC-insured accounts for business security
• Easy integration with popular accounting and payment platforms

Pros

• Unlimited virtual cards for business use
• No monthly fees or minimum balances
• FDIC-insured accounts
• Seamless integration with business tools

Cons

• Only available for US-based businesses
• Some features may not suit personal users

Pricing

• Free plan available
• Mercury Plus: $35/ Month
• Mercury Pro: $350/ Month

Why choose Mercury?

Mercury is a leading Privacy.com alternative for startups and online businesses looking for a digital bank with integrated virtual card options, making it easy to manage business payments and control spending.

How to Choose the Right Privacy.com Alternative

Selecting the best Privacy.com alternative is about more than just picking a popular name. The right choice depends on your location, preferred payment methods, and privacy requirements. Below are the key factors to consider when choosing the perfect solution for your needs.

Key Factors to Consider

Here are following key factors you should consider while choosing the alternatives

1. Geographic Availability (US, India, Europe)

Not all Privacy.com competitors operate in every country. For instance, Privacy.com and Klutch are US-only, while Revolut and Wallester serve customers across Europe and beyond. US Unlocked is ideal for international users who want access to US-based shopping. If you're looking for a Privacy.com alternative in India or Europe, global brands like Skrill, Revolut, or Wallester are excellent options. Always verify whether a provider supports your region before committing.

2. Card Type (Debit, Credit, Prepaid, Crypto)

Consider what type of card best suits your needs:

• Debit cards (e.g., IronVest) are good for control over your spending.
• Credit cards (offered by IronVest and others) provide more flexibility.
• Prepaid cards (e.g., Skrill, US Unlocked) are ideal for budgeting and security.
• Crypto cards (like Moon) offer anonymity and are perfect for crypto users.

Pick the card type that fits your spending habits and privacy preferences.

3. Privacy and Security Features

Strong security is essential when choosing a Privacy.com competitor. Look for features like:

• Masked cards to protect your real account details
• Two-factor authentication (2FA) for extra protection
• Biometric login for secure access
• Real-time alerts to monitor your transactions

IronVest leads with advanced features like continuous biometric authentication and masked emails. Wallester and Ramp provide robust spending controls for businesses. Always assess what privacy tools each provider offers, especially if you need more than basic card masking.

4. Fees and Pricing

Fee structures vary across providers. Some Privacy.com alternatives offer free plans or low-cost options, while others charge fees for various services:

• Mercury and Ramp provide free basic plans for businesses.
• US Unlocked charges a one-time enrollment fee ($15), along with a monthly fee ($3.50) and loading fees (3–5%).
• Skrill fees depend on transaction type and country.

Review the fee schedule carefully to ensure it fits your budget for card creation, usage, and international transactions.

5. User Experience and Support

Ease of use is crucial when choosing a Privacy.com alternative. Look for apps with intuitive dashboards, quick card creation, and reliable customer support. Wallester and IronVest are praised for their user-friendly interfaces. To get a sense of the app’s reliability, read reviews on platforms like Reddit and Trustpilot to learn from other users' experiences with customer support and functionality.

Conclusion

Choosing the right Privacy.com alternative depends on your location, payment preferences, and privacy requirements. Whether you need a global solution like Revolut and Skrill, a crypto-focused option like Moon, or a business-oriented tool like Ramp, there are plenty of choices available. Consider the key factors such as card type, security features, fees, and user experience to find the best fit for your needs. By carefully evaluating these aspects, you can make an informed decision that ensures secure and private online transactions.