LBank Card can be used for online payments and card management, helping users complete purchases, verification, transaction inquiries, and other actions in supported scenarios. This guide introduces the eligibility requirements, activation process, usage methods, and important notes for LBank Card, so users can complete the application smoothly and use the card securely.

What Is LBank Card?

LBank Card is a card service provided by LBank. Once activated, it can be used for payments and card management in supported scenarios, and users can view card details, transaction records, and verification status.
At present, only virtual card applications are available. Each user account may apply for one virtual card and one physical card; however, physical card issuance is not supported in the current phase.

Before You Apply

Before applying for an LBank Card, please complete account registration, log in to your account, finish identity verification (KYC), and ensure that your account status is normal.
Card services may involve identity review, transaction verification, 3DS authentication, and notification alerts. It is recommended to enable relevant notification settings in advance so that you can receive timely updates regarding your application and transactions.
Please confirm the following before applying:

You have completed LBank account registration and login.
You have completed identity verification (KYC).
You understand that only virtual card applications are currently available, and physical cards are not issued at this stage.
You understand that the same account cannot submit repeated applications for the same type of card.

How to Apply for an LBank Card

After meeting the application requirements, users can enter the LBank Card page and follow the on-screen instructions to complete information confirmation, identity verification, and card application submission.
If the application information is incomplete, verification fails, or the account does not meet the required conditions, the system will display the corresponding prompt. Users may complete the required information and resubmit the application based on the instructions.
The application process is as follows:

Log in to your LBank account and enter the LBank Card page.
Read the product description, card issuance rules, and related agreements, then click「Apply for LBank Card」.
Complete identity verification as required on the page, and fill in the necessary information such as「Contact」information and「Billing」address. Please ensure that all information is consistent with your KYC details.
Click「Confirm Card Issuance」to submit your application and wait for the review result.
Once successfully activated, you can view your virtual card information and start using the card.

How to Use LBank Card

After activation, LBank Card can be used for online payments in supported spending scenarios. Some transactions may require 3DS authentication or other security verification procedures.
LBank Card also supports Apple Pay and Google Pay related features. Actual availability is subject to what is displayed on the page and the scope of features currently enabled.
Please note the following when using the card:

Confirm that the merchant supports the relevant card payment method before making a payment.
If a transaction triggers 3DS authentication, please complete the verification as instructed to avoid payment failure.
Pay close attention to transaction notifications and security alerts, and review the status of each transaction in a timely manner.
Fees may apply in cross-currency transactions, ATM transactions, or certain specific transaction scenarios.

Card Management

Users can view card information, transaction records, card status, and related verification details on the card page.2.
Card services also include card information display, CVV viewing, transaction notifications, and support for payment verification. The actual content displayed is subject to the page.
Common card management actions include:

Viewing basic card information and current card status.
Checking transaction records, debit results, and refund progress.
Completing OTP or 3DS verification when required.
If any abnormal transaction is detected, handling it promptly according to the on-screen instructions or contacting customer service.

Fee Information

Depending on the transaction scenario, LBank Card may involve authorization fees, foreign exchange conversion fees, ATM fees, refund fees, or other related charges.
Fee calculation methods may vary for general purchases, cross-currency payments, ATM cash withdrawals, refunds, and reversals. Please refer to the actual transaction page and platform instructions.
Before using the card, please pay special attention to the following:

Different transaction types may be subject to different fee rates.
Cross-currency transactions may involve exchange rate conversion and foreign exchange fees.
ATM transactions may incur additional fees.
The arrival time for refunds, cancellations, or reversals is subject to actual processing results.

Frequently Asked Questions

How many LBank Cards can one account apply for?

Each user account may apply for one virtual card and one physical card.

Can I apply for a physical card now?

No. At present, only virtual card applications and usage are supported.

What should I check before using the card?

Before using your LBank Card, please make sure the card has been activated, is available for normal use, and is not in a frozen status.
At the same time, please ensure that your account balance is sufficient to cover the purchase amount, related fees, and any possible pre-authorization hold amount. Also confirm that the merchant supports Visa and that the transaction does not fall under restricted or high-risk scenarios.

Why is more than the order amount temporarily frozen?

In some transactions, an amount higher than the order value may be temporarily held during the authorization stage, for example a certain percentage above the order amount, in order to cover possible fees, exchange rate fluctuations, or settlement differences from the merchant.
Once settlement is completed, the excess held amount is usually released back to the account according to the applicable rules. Before settlement is completed, the held amount and the final charged amount may temporarily differ.

How long does transaction settlement take?

The settlement time depends on the processing progress of the merchant, the Visa network, and the relevant banks.
Under normal circumstances, settlement is completed within several business days. Before settlement is completed, the transaction status, held amount, and final charged amount may temporarily differ.

Where will the refund be returned?

Refunds are usually returned to the corresponding card account or designated account. The actual credited amount may be affected by fees, exchange rate fluctuations, or cross-currency settlement.
If the refund is not received for an extended period, please keep the order number, transaction screenshots, merchant refund proof, and communication records, and contact customer service for assistance.

What fees may be involved?

During the use of LBank Card, fees may apply for card binding or transaction authorization, cross-currency or cross-border transactions, and other special transaction scenarios. Please refer to the latest official instructions and the transaction page for the applicable rates and actual charges.

Why did Apple Pay or Google Pay card binding fail?

When binding a mobile wallet for the first time, the system usually performs stricter security checks. Risk controls may be triggered if you use a new device, frequently switch iCloud or Google accounts, use a VPN or proxy, have device information inconsistent with account details, attempt binding multiple times within a short period, or if the card has shown recent abnormal transactions.
It is recommended to disable VPN, use a stable network connection, ensure that device information matches your account details, and avoid repeated binding attempts within a short period.

Which transactions are more likely to be declined?

Multiple consecutive transactions within a short period, magnetic stripe transactions, transactions in high-risk countries or regions, use of VPN or abnormal networks, insufficient balance, large transactions without prior reporting when required, and suspected unauthorized or non-user-initiated activity may all result in declined transactions or trigger risk controls.Among them, AFD transactions at gas stations are considered high-risk scenarios, and such transactions may be restricted or declined.

What should I do if the transaction failed but funds were deducted?

Please first check the transaction status. If the status is shown as “Failed,” the final charge is usually not completed, and the related held amount will be released according to the rules.If the status is shown as “Successful” or “Processing,” you need to wait for the card network or merchant to complete settlement. If the amount is not returned for an extended period, please keep the transaction time, amount, merchant name, order number, and relevant screenshots, and contact customer service for assistance.

What should I do if I was overcharged, suspect unauthorized use, or the merchant refuses a refund?

It is recommended to first contact the merchant to confirm the order and refund status, and keep the relevant communication records.
If the issue involves suspected unauthorized use or a transaction not made by you, please freeze the card immediately and contact official customer service to submit transaction evidence and supporting documents.

What information should I provide when contacting customer service?

To help customer service handle the issue more efficiently, it is recommended to provide the card type, transaction time, amount and currency, merchant name, transaction status screenshots, order number or transaction ID, and communication records with the merchant.
If you used a VPN, changed devices, or were binding a mobile wallet for the first time, it is also recommended to mention these details to assist with troubleshooting.

Reminder

Before applying for or using LBank Card, please carefully read the on-page instructions and related service terms. If there are any adjustments to feature scope, supported scenarios, fee standards, or card arrangements, please refer to the latest information and announcements on LBank’s official pages.

To protect your account and card security, please keep your account information and verification tools safe, do not disclose sensitive information to others, and check notification messages in a timely manner to stay informed of every transaction. Before use, please also confirm the applicable scope, fees, and restrictions to avoid affecting your payment experience.

LBank Card Application & Usage Guide