CMB Virtualis virtual card: prices, benefits, use

The Virtualis card from Crédit Mutuel Bretagne is a digital payment solution secure. Accessible to holders of an account domiciled with the bank, it offers a number of advantages. Here’s everything you should know about this digital service.

Crédit Mutuel Brittany and Virtualis

Created in 1979, Crédit Mutuel de Bretagne (CMB) is a regional bank dedicated to the development of Western France. The financial institution targets a diverse clientele which includes individuals and professionals from all sectors of activity. The offers deployed by this establishment are intended for farmers, service companies, associations and other entities. In addition to its banking products, the CMB is involved in various causes through its patronage and sponsorship actions.

Not to be confused with a virtual reality rehabilitation game of the same name, Virtualis is a payment solution for paying for purchases remotely. It mainly offers the advantage of saving the user from entering their credit card details. The system uses completely fictitious temporary contact details which change with each transaction. They just lead to complex encryption technology protecting the actual bank account.

The Virtualis service is accessible on a computer, from a smartphone or tablet. Whatever the type of terminal, it should be connected to the Internet via Wifi or the 4G/5G mobile network. The service is available permanently (24/7). The numbers issued by the system are validated by all merchants and merchants online or in physical stores who accept the Visa and MasterCard networks.

A highly secure payment solution against hacking
The main advantage of Virtualis would be its excellent level of security. This virtual card protects against any attempt to intercept the transaction by malicious people. It should be noted that simple knowledge of the details of the real credit card allows hackers to carry out extortion.

Having a RIB, hackers can use their victim’s account with complete impunity. Designed to thwart any hacking maneuver, Virtualis invites its users to shop online without worrying about their security. The encryption used has stood up to several generations of hackers.

Identity theft is a very common problem. The scammer can pose as a merchant site that sells a product or service. Often seductive, this bait pushes its victim to provide the criminal with bank details. The usurper can misuse the credit card number to do his shopping in the name of a third person.

A simple and valid payment method everywhere

The universality of Virtualis constitutes a major advantage. Indeed, the Visa and Mastercard networks cover practically all continents. These two payment platforms use optimal 3D Secure protection. They also have the merit of being accepted by a very large number of merchant sites and physical stores around the world.

The operation of Virtualis remains very simple. In a few very intuitive steps, the user can make secure online payments. In addition, this is a free service offered to Crédit Mutuel Bretagne account holders. No additional fees are charged to CMB customers who use this security system.

From time to time, some merchant sites request additional information to verify the identity of a buyer. This in itself is not a disadvantage. This formality aims to block the path of a usurper. Two-factor authentication can also strengthen protection. In this case, the subscriber receives a confirmation code by SMS to validate a payment.

Good to know about this virtual bank card

Please note that certain payments cannot be made with a fictitious credit card number. For example, the user must provide the correct information to pay for the hotel reservation. Virtualis cannot be used for renting a car or purchasing a ticket on an SNCF train. Additionally, it is best to use a bank card that offers travel insurance when traveling.

Zero risk remains utopian in terms of financial transactions. For their part, pirates are increasing their maneuvers to extort money from their victims. Crédit Mutuel de Bretagne designed Virtualis with the aim of reducing exposure to fraud and other identity theft.

The CMB virtual card is free for all customers of this bank. Opening an account with this establishment remains the only condition for using secure payment. The outfit is subject to fees and charges of all kinds, but the price remains competitive. In addition, each saver who has subscribed to Crédit Mutuel Bretagne systematically becomes a shareholder.

Become a Virtualis payment card user

To use Virtualis, the holder of a CMB account must make a request to their mutual bank. The latter offers different communication channels to carry out this formality. The customer must do this online from the official Crédit Mutuel Bretagne website. Once on the home page, they can log in and access their personal space.

Another method is to go to one of the Breton bank’s 317 reception points. The interested party will then be able to discuss the system in person with a customer advisor. This contact can also be contacted by telephone at the number 0820 32 08 19. The service is billed at 0.12 euros per minute of communication on this hotline.

Yet another way to submit a Virtualis membership request, email is quite quick. To do this, you must write a letter to the address: [email protected]. The processing time is getting shorter and shorter, but will never be comparable to a request made in an agency. The advisor immediately hands over the connection codes to the interested party. By post, the wait can take a few days.

Brief user guide for this secure payment solution

The Virtualis virtual card number is provided with each purchase. To obtain it, you must go to the official Crédit Mutuel Bretagne website. The process begins with the “Virtualis virtual card” button at the bottom of the home page. Which orients towards personal space. You will need to enter your username and password to log in.

Then, the user must press the “Payment methods” tab and then indicate the maximum amount of the transaction. At this stage, he does not know exactly how much the seller will ask him. Furthermore, as it is a virtual card, the precise number is not necessary.

The procedure continues with the validity period of the payment. You must choose between 1 and 24 months. The money will be debited from the CMB account on the due dates required by the merchant. A slight waiting period of varying length may occur between validation of the purchase and payment. Finally, the dedicated mobile application compatible with Android and iOS makes the task even easier for the user.