The Entropay Virtual Visa card is issued by the Anglo-Maltese Bank of Valleta, and works in precisely the same manner as a normal credit card like VISA, American Express, or Mastercard. The only differences with the EntroPay card are that a) it is virtual and not plastic, and b) unlike with a credit card your spending is limited to the value of funds you pre-loaded onto the EntroPay account by way of a debit card, credit card or direct bank transfer.