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How to Transfer Money With Only Card Number and CVV

How to Transfer Money With Only Card Number and CVV?

It is not always easy or convenient to carry a lot of cash. That is why transferring money with just your card number, and CVV can be a handy skill to have. Some platforms do require a card expiry date and other account details to complete money transfers. However, some account holders can perform an international transfer without such details. Learn how to transfer money with only card number and CVV.

Can I Transfer Money With Only CVV and Card Number?

It is possible to transfer money with only a card and CVV number for some international transactions. However, most financial institutions believe that this type of verification does not provide enough security to protect against fraud.

This is because criminals can get your CVV and card numbers in many ways, like phishing and scams. They can also copy or steal them physically, which means they could use them without you knowing.

For this reason, it is recommended that all online payments should require additional personal information for sending money. Furthermore, an OTP code or two-step verification would increase security by adding a layer of authentication.

How to Transfer Money With Only Card Number and CVV

Money Transfer Ways With CVV and Card Numbers

Here are some of the easiest ways to transfer money using your card number and CVV.

  • ATM Transfer

Most ATMs allow you to deposit or withdraw money without bringing your bank card. You can also use your ATM card to withdraw money by typing your PIN code.

Depending on your bank, you may also be required to enter an OTP (one-time password) sent directly to your phone. Once you complete the required details, you can progress with the transaction.

  • Online Transfer

You can also transfer money online using services like PayPal or TransferWise. All you need to do is provide the recipient’s account details, as well as your card number and CVV. You will also need to enter a password or PIN code for security reasons. Wire transfers like these are a fast and convenient way to send money to anyone, regardless of whether or not they have a bank account.

  • Bank Transfer

Another easy way to transfer money is through the bank. For the transaction to complete, you will need to provide the following details of both accounts:

  • Account Name
  • Account Number
  • Bank Branch Code or Address

Tips for Keeping Your CVV Number Safe and Secret

The fact that CVV is not generated when you auto-fill the debit card number on any e-commerce store makes its significance clear. Thus, you should follow the tips to save yourself from theft related to credit or debit cards.

  1. Keep your card CVV number secret, and never write it down anywhere. If possible, try to memorize the number instead of writing it down.
  2. When shopping online or using a credit card in person, take extra caution when entering your CVV.
  3. Try to avoid giving out your CVV over the phone or by email unless absolutely necessary.
  4. If you need to give your CVV number out over the phone or by email, take extra precautions to ensure that you use a legitimate source.
  5. If someone steals or compromises your CVV code, report this to your credit card company immediately so that they can protect your account.

How to Transfer Money With Only Card Number and CVV

What Is a CVV and Why Do You Need It for Money Transfer?

A CVV code (Card Verification Value) is a three or four-digit security measure that can be found on the back of credit and debit cards. This code helps protect your purchase information from potential fraudsters, making it a key factor in online shopping safety. Moreover, the code helps businesses ensure that card issuers have the credit card they say they do. The code checks the customer’s billing address, credit card expiration date, and last name.

Without this code, it becomes more difficult for third parties to hack into your accounts and take money from you without your knowledge. It is important to note that you need your CVV to transfer funds from one banking account to another, as it acts as an extra layer of security between you and any potential cyber criminals.

How to Find Your CVV Number on Your Credit or Debit Card

Generally, the CVV code should be a three-digit figure on your card’s backside that is near or above the signature line. The exact placement varies between issuers, but it is typically highlighted by an extra box or may even appear after the main credit card number. Depending on the issuer, you may find it printed in small numbers at the top right corner of your signature panel.

What Is the Card Number?

Your card number is the unique identifier for your credit or debit card. This number typically contains anywhere from 16 to 19 digits, though some cards may have more or less. The first six digits of this number indicate the bank that issued the card, while the final digit is used as a check code to ensure accuracy.

How to Transfer Money With Only Card Number and CVV

What Is the Expiration Date?

The expiration date is when a credit, debit, or prepaid card will no longer be valid. You will typically find it on the front of the card. The main function of the date is to protect you from unauthorized purchases or high-risk transactions. If a transaction occurs after your expiry date has passed, most merchants will not complete the purchase without first verifying that your credit card or debit card is still active.


Now that you know how to transfer money with only your card number and CVV, you must make a wise decision. If you need an easier way to make payments without having your physical debit or credit card, a money transfer using only your card number and CVV is the perfect solution. 

This efficient payment method enables you to complete transactions quickly and with ease. The CVV code is essential to keeping your private information secure while transferring money from one bank account to another or shopping online. Thus, only use the described methods to send money when you trust the source and receiver.