Right, but you get the same benefit whether you’re ordering a virtual or a physical card first.
Fees related to new cards are split into “issuance” and “shipping”.
Issuance of the 1st card is free for every customer. It does not matter if it is virtual or physical.
Shipping on the other hand is, obviously, not applicable for the virtual card. But in any case, every new customer gets the same financial benefit.
So what you might not have thought of is that ordering a virtual card first and then a physical card does already result in exactly the same amount of fees.
I actually do not agree. You see, if you order the physical card first, you pay 6€ for the shipping, and then another 6€ when you order the virtual one. Right?
But if you order the virtual one first, it’s free, and then you only pay 6€ for the physical.
I may be wrong, but I really do not have that idea. And I just asked a friend to check, and he is telling me the app is only asking for 6€ to order the physical card (he only has 1 virtual card in the account).
Yes, that’s right, shipping can be different depending on country. It’s cheaper in Poland for example, I believe. But spare card fee isn’t, I believe.
So, looking at the fees again ignoring shipping, one would still always end up with the same fees for the cards, whether one orders a virtual or a physical first.
On the T&C chart, section 1 “Account and R. Card Issuance Charges”:
It says “issuance charge” for physical card GBP 5. (That is for shipping, I guess.)
On the T&C chart, section 2 “Additional R. Card Charges”:
It also says GBP 5. (I thought this would be 10.)
So that is this. And also: isn’t it less clear here that the physical card, when ordered 2nd, would cost 10, and not 5, like stated in section 1? Unless it is actually true what is stated in section 2, that an additional physical card does also cost 5. And that is why I am confused.