A card that lives in your pocket, not your wallet.
What you get
Instant issuance
Card ready in seconds after account opening
Freeze & unfreeze
One tap, any time, from the Cards page
Daily limits
Default $5,000 daily limit, adjustable on request
Networks
Visa and Mastercard
Activity
See card-linked account activity in real time
Replacement
Freeze instantly and request a replacement any time
How it works
Open your account
A checking or savings account is all you need.
Apply for a card
Choose your product from the Cards page.
Issued in seconds
Your virtual card is ready immediately on approval.
Stay in control
Freeze, unfreeze and review activity in real time.
Rates & limits
| Card issuance | Free |
| Daily spending limit | $5,000 |
| Network | Visa |
| Freeze / unfreeze | Instant |
| Replacement card | Free |
Why customers trust UBANLC
Bank-grade security
Two-factor sign in, session checks and a complete audit trail behind every action.
Private by design
Your documents and personal data are encrypted and visible only to you and our compliance team.
Complete transparency
Every transaction carries a unique reference in a double-entry ledger you can verify.
Support 24/7
Real people on the line, every day of the year.
“Freezing the card the moment I saw a charge I didn't recognise — that alone sold me.”
Daniel K. · Customer since 2026
Frequently asked questions
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