All About Business Virtualcards For Your Company

Last Article Update 16.07.2025

Welcome to Business Virtualcards. Got an invite to use a virtual company credit card? This article shows you all you need to know as a future cardholder, from activation to using your card. Plus, practical features in the George app.

 

Neue Virtualcard Neue Virtualcard

What is a Business Virtualcard?

A Business Virtualcard is a virtual credit card that your company provides you for business payments, expenses and trips. Unlike a usual credit card, there is no physical (plastic) card. Business Virtualcards exist only in digital form on your phone or smart watch. This way, it's easy and safe to shop online, or make contactless payments in-store with Apple Pay or Google Pay. 

What are the benefits of a Business Virtualcard?

With a Business Virtualcard, you can:

 

  • Make easy and contactless business payments

  • Manage your card hassle-free in the George app

  • See transactions any time you want

  • Lock your card (if needed) and add it to your Wallet

     

All you need is a phone that supports NFC (Near Field Communication).

A step-by-step guide to activating your Business Virtualcard

As soon as your card administrator creates a card for you, you will get an invite e-mail. Here's what to do next, explained step by step.

  1. Already have the George app?

    Perfect. You can activate the card directly using the blue activation link in the invite e-mail. Please make sure to update to the latest version of the George app before you start.

  2. Don't have the George app from Erste Bank and Sparkasse yet?

    First, download the George App from your phone's app store. Next, open the activation link on your phone and follow the steps in the George app.

    The onboarding process, including installation and onboarding, takes just a few minutes. Make sure you have an ID document ready. 

  3. Open the invite and verify

    Open the e-mail from Erste Bank and Sparkasse with the subject line about Business Virtualcard. 

    Scan the QR code with your phone. Or, if you're viewing the e-mail on your phone, tap the invite link in the e-mail. 

    If your details were entered correctly, you will get a message (SMS) with a verification code.

    Enter this code, link the card, read and accept the documents and sign digitally. 

  4. Manage your card with George

    After a successful activation, you'll see your card in your Overview in the George app. You can also find it by tapping the card symbol in the top right.

    Tap on the card.

    Now, from Functions, you can add your card to Apple Wallet or Google Wallet. 

    Info shows you card details such as card number, expiry date and CVV.

    If needed, you can also lock your card under Functions. 

Customer of a different bank than your company?

Already have a George disposer ("Verfüger"), but your company is with a different bank institute? For example: Your company is an Erste Bank customer but you have an account with Tiroler Sparkasse?

If you have only one phone with George on it, there are a few more steps - that's because you need a disposer number ("Verfügernummer") at the same bank as your company, as well as a George QR activation code for your existing disposer ("Verfüger").

If you have a second phone without George (for example, a company phone), then get the George App for it from the relevant app store. Then, follow the steps for the onboarding.

We understand that this is not the ideal set-up, and are happy to help.

Here's how to proceed in such cases:

We're working full-speed on making this process simpler for you in the future.

Author: Tamara Berger-Feichter