(6 Ways) How to Transfer Money With Only Card Number and CVV?

Pablo Picasso says “I’d like to live as a poor man with lots of money.” I love this quote. Your money is always movable if it is physical or virtual. We earn money to live a happy life. But, simplicity is an asset. No matter how much money you earn, leading a subhuman life is necessary. However, drop you a small knowledge light, let’s get to the main topic. Today’s topic is “How to Transfer Money with Only Card Number and CVV”. Let’s explore the most asked questions in our forum.

What is a Card Number?

A card number is a set of numbers displayed on the front and back sides of your plastic credit card. Normally credit number digit 15-16. But sometimes it could be 19 digits or 13 in some cases. Each number has a universal meaning. These numbers are used to identify card issuers and account holders. 

What is a CVV Number?

CVV or Card Verification Value is a credit or debit card 3 digit number often seen on Mastercard®, Visa Card®, Discover Card®. A CVV number is mandatory to complete online transactions. You should never share this number with anyone. This number is automatically generated by banks and financial institutions for specific account holders.

What is an Expiry Date?

An expiry date is the ending period of a card. Generally, it is found on the card written as XX/XX (month and year). For example, if your card expiry date shows 12/20. That means you can use this card at the end of December 31, 2020. After this, you have to renew it to expand the period. Typically, a card expiry date is set for two or three years only.

How to Transfer Money With Only Card Number and CVV

Is it Possible to Transfer Money with Only Card Number And CVV?

I have to answer this question with No/Yes. Both are correct answers. Let’s explain the “No”


According to Bank guidelines and policy, Two-factor verification is a must for successful transfer. Almost all banks, organizations, e-commerce websites, and POS machines require to put a card number, CVV, Expiry date. After all, account holders need to input the OTP code from the message to complete the transfer. That means behind the Card number, CVV, you must know the expiry date and OTP (One Time Password).

In some cases, you need to verify yourself by entering your Full Name, Billing address, National ID, Passport, Driving License, etc. In this generation of fraud, banks have improved their systems a lot. They verify this information and identify an account holder.


When can you transfer money with only card number and CVV? In this question, region and area restrictions matter. Suppose, in India, they don’t allow transfers of money without expiry date and actual information of account holder while US residents can bypass this step.

Company, Organization, E-commerce store, which stands outside of India, may be located in the USA area and don’t need OTP. So the answer is International transactions don’t require OTP for transactions if they get CVV and card numbers. 

Final Info: Besides, CVV and Card number you need to know about the expiry date to complete the transfer. That means the Expiry date is a must. Also for national transfer, you need the OTP code and other details mentioned before. For the International transfer, you don’t need OTP but CVV, Card Number, and Expiry date must.

How to Send Money with Card Number and Without CVV Code? – 6 Ways

When you need to send money to someone or make payment online with your Credit or Debit card, you may need a CVV code. But, it is necessary all the time, you can skip and transfer money without CVV Code. If you are using any type of Money Transfer service, there may be some alternative ways to make payment with a card instead of CVV. Here’s some legit example-

1. P2P Payments

Peer to Peer (P2P) is a digital security system that lets you transfer funds from a bank holder account or a credit or debit card to another person’s account. It is also known as money transfer apps such as Cash App, PayPal, Venmo, and NetSpend that allow users to send money without using a CVV code.

When making a purchase, you may find a P2P service like PayPal. If your bank account/debit/credit card is already linked with PayPal or other P2P apps, you can transfer or make payments by using these apps.

2. Using ATM Transfer

We are living in a digital age where you can access Cash when you need it. No matter if it is from ATM, Bank, or in-store. Unbeatable banking services make it possible to withdraw or deposit funds anywhere in the world. ATM is one of the best improvements we use. When a bank gives you an ATM card, they link it to your bank account, so you can make a withdrawal or deposit at any time.

The ATM card has Card number, Expiry date, and CVV. But, when you want to deposit, withdraw or Transfer from ATM, you don’t need to use CVV. Just insert a physical card, select the language, and type PIN number. Then select the deposit, withdraw or transfer option, which you want to use.

3. Through Bank Transfer

Transferring through bank transfer is another easy alternative of sending money without CVV. Without entering a card or CVV code, funds will move from your bank to another. You just need to provide the information below to start transferring.

  • The name associated with account
  • Bank account number and sort code
  • Other necessary bank account details

4. Send as Cash

Sending money by Cash is the most popular options people use. Fortunately, Western Union and MoneyGram provide international transfers via Cash. A sender can send money by using these services and the recipient can pick up the cash from the selected bank branch. There is no option for using a Card or CVV number.

5. With RazorPay

Razorpay is a new payment solution that allows any transfer with anyone. You can get access to all payments like Credit, Debit Cards, UPI, etc. RazorPay ensures the best payment infrastructure. Recently RazorPay brought a Tokenized Card from Google Pay. You know almost 70 million users believe in Google Pay.

Since RazorPay collaborates with Google Pay, you can make smooth payments as there is no need for CVVs, and OTPs will be auto-filled all the time. Besides strict security from Google’s Security Systems, it has improved conversion from 2% to 4%.

6. Search for Without CVV Shopping Store

Nowadays, Shopping is also possible without a CVV code. But, it’s a rare case. So, we collected some reliable online shopping stores that accept Card payments without caring about CVV. Here’s a list-

  • Amazon
  • Express
  • Lacoste
  • Target
  • Walmart

7. Gift Card Sites With No CVV

Do you want to surprise your loved ones on a special day? Gift cards are a cute option to go for. Use your credit or debit card to purchase Gift cards online. If you want to maintain privacy and don’t want to input CVV code. Don’t worry, numerous Gift card sites sell Gift Cards with No CVV only Card numbers. Get your list here.

  • Amazon
  • Bebe
  • Chinavasion
  • Lacoste
  • Target
  • Walmart
  • Overstock
  • Zappos
  • Sierratradingpost
  • Benefit

Learn More

5 Useful Tips to Protect Your Card and CVV

  1. Never share a photo of a credit card on social media
  2. Blank the security code to reduce the risk of online fraud
  3. Limit the transaction charge
  4. Keep it in a secret place
  5. Don’t use the card on an unfaithful or suspicious website

Final Word

We are a part of the new generation, if I compare it to the 90’s century, everything changed. Now we can transfer money easily with a simple credit card but at that time, it was out of our minds. However, I have outlined “how to transfer money with only card number and CVV”. Now you understand not only card numbers and CVV can make your transfer successful, but you also need expiry data and OTP.

Frequently Asked Question (FAQ)

How can I transfer money from one account to another without ATM card?

Transfer money to another account, there are several options available nowadays. By using money transfer apps, Peer-to-Peer transfers, Wire transfers, and Paper checks, users can move their funds. In this case, an ATM card is optional or unnecessary.

What if someone knows my card number and CVV?

If someone knows your Card and CVV number, they can wipe out money from your account. To complete transfers or withdrawals Expiry date is also needed. If they can reach out to your bank institution, they can tell the current details, and Ref. will give him the expiry date. I’m not sure but it’s possible in some cases. So, it’s never good if someone knows your Card and CVV number. Always try to keep it confidential.

How do I pay someone with their card number?

Yes, it is possible to transfer funds by knowing someone’s Card number. But, you have to visit a physical ATM and try it. Choose the card transfer option. Enter the amount and PIN. It will show a message when the transfer is successful. 

Can someone use my debit card with just the number and CVV?

Technically No. Besides, Card number and CVV, the Expiry date is a piece of necessary information. Normally, it is impossible to transfer. Some websites never ask for a CVV number. So, if unfortunately, someone has your Card and CVV code, they can misuse the card by shopping and buying Gift cards from non-CVV-asked websites. Be careful always.