What is an Arro Money virtual debit card?

With an Arro Money account you get a virtual Arro Money card as well as your account number and sort code immediately. This means you can pay money in and start using the card right away with the CVV we text you. This is a temporary solution that allows you to make cardholder-not-present purchases online, or anywhere you can manually enter your card details.

To set up faster payments you will need to have activated your physical account card.

Contactless Mastercard® debit card

Your physical Arro Money Mastercard debit card.

Every account also receives a physical MasterCard® debit card, which you will need to order by logging in to your online dashboard. From when you order the card, the card should take no longer than 5 working days to arrive.

Your physical card number will be the same as your virtual card number, but the CVV number will be different and when you activate your card you will be sent a new one for security reasons.

The Arro personal card

  • No credit means
    no credit checks

  • Get an account number and sort code straight away

  • No paperwork, no appointments

  • Make payments with contactless Mastercard®

  • Set up standing orders and direct debits (coming soon)

  • Shop online and in store

  • Select your perfect plan



    From £5.00 per month

    A low monthly fee and reduced usage costs!



    From £10.00 per month

    Big savings and additional features for heavy users!

Without a bank account I was paying more for everything

“I needed an alternative to a High-Street Bank account and Arro made everything really easy. Not only did I get instant access to my account once it was set up, but the costs were straightforward and there were no hidden fees, so I knew exactly what I was getting.”

Amanda Freeman

More info.

Where can I use my debit card?

Your physical MasterCard® is a full, valid, activated card and can be used anywhere MasterCard® is accepted including online. You can use contactless payments, chip and pin or swiping the magnetic strip, and you can also use your Arro Money card at cashpoints to withdraw money.

What does it cost?

Opening a new Arro Personal Account is free, and the monthly management charge depends on the fee structure you choose. It is free to use your card both instore and online to purchase items, and free to pay money in.

Depending on your package, there can be a small fee for ATM withdrawals and faster payments, and a charge for lost cash cards or inactive cards. We publish all of our fees upfront and they can be found at any time by clicking on the ‘fees’ option on our website and choosing the account you have.

We think the Arro Personal Account speaks for itself