Can I use Privacy.com in Canada with a VPN?

No. A VPN changes your apparent location but not the two things that block you: Privacy.com requires a US bank account or US debit card to fund a card, and US identity verification to open the account. Neither can be satisfied from Canada.

Is there a Canadian version of Privacy.com?

Not one that has launched. ReVault is being built as the Canadian equivalent — separate card numbers per merchant with per-card spending rules — and is currently pre-launch with an open waitlist. Bank virtual cards and prepaid apps cover part of the need in the meantime.

Does KOHO give you virtual cards like Privacy.com?

Not in the same way. KOHO issues one virtual card alongside your physical card on every plan. It is useful and it works, but it is a single number for your whole account — you cannot create a separate number per merchant or set rules on an individual card.

Can I get a virtual credit card from a Canadian bank?

Some Canadian issuers provide one. RBC offers a virtual Visa Debit for chequing customers, and several banks display a digital card number in their app. It is generally one fixed number per account with no merchant lock, no per-card cap, and no way to close it individually.

When will ReVault be available?

ReVault is pre-launch. The waitlist at revault.ca is open, and early access is sent to waitlist members in order before general availability. Joining is free and is the only way to receive an invitation at launch.

Is there a Privacy.com alternative in Canada?

Privacy.com does not operate in Canada — it requires a US bank account and a US residential address, so Canadians cannot open one. The closest Canadian option is ReVault, which gives you a separate card number per merchant with per-card spending rules. Bank virtual cards and prepaid apps like KOHO are the fallbacks.

Last verified: July 2026

What Canadians can actually use

Feature	ReVaultCanada · pre-launch	Privacy.comUS only	Bank virtual cardRBC, Capital One, others	Prepaid appKOHO, Wealthsimple
Available to Canadians	Yes — built for Canada	No — US bank account and US address required	Yes, if you bank there	Yes
Number of distinct card numbers	Many — 4 on free, up to 60 on the top tier	Many	Usually one, tied to the account	One per account
Lock a card to a single merchant	Yes — Merchant-Locked cards	Yes	No	No
Single-use card that closes itself	Yes	Yes	No	No
Per-card spending cap	Yes — dollar cap, time window, velocity limit	Yes — dollar cap	No — account-level limits only	No — account-level limits only
Lock a card to a merchant category	Yes — Category-Locked cards	No	No	No
Set rules in plain language	Yes — interpreted, then confirmed before it applies	No	No	No
Dormant subscription detection	Yes — passive, via the browser extension	Partial — you see charges per card	No	Some spend insights
Close one card without reissuing the rest	Yes	Yes	No — reissuing changes the number everywhere	No
French-language product	Yes — full EN/FR parity	No	Yes at Canadian banks	Yes
Credit check to open	No	No	Depends on the product	No
Cost	Free tier, then $7.99–$34.99 CAD/mo	Free tier, then USD paid tiers — not open to Canadians	Usually included with the account	$0–$19 CAD/mo

Bank and prepaid details vary by issuer and change often. Verify with your own provider before deciding. ReVault is pre-launch — the waitlist is open, the product is not yet generally available.

Why Privacy.com does not work in Canada

Privacy.com is a US financial product end to end. Funding a card requires linking a US chequing account or US debit card, and opening the account requires a US residential address and US identity verification. A Canadian address fails at signup, and a Canadian bank account cannot be linked as a funding source.

This is not a temporary gap in a rollout plan. Privacy.com's card issuing runs through US banking partners under US regulation. Serving Canada would mean a Canadian issuing relationship, Canadian KYC, PIPEDA and Québec Law 25 compliance, and French-language obligations. That is a separate business, not a settings change.

Workarounds people try — a US mailing address, a friend's account, a VPN — break funding, break identity verification, or violate the terms of service outright. There is no reliable path in.

What Canadians use instead, honestly assessed

The Canadian options split into two groups, and neither one replicates what Privacy.com does.

Bank virtual cards. RBC offers a virtual Visa Debit, and several issuers show a digital card number in their app. This solves exactly one problem: you can pay online before the physical card arrives. It is one number tied to your account, so a breach at any merchant means reissuing the number everywhere.
Prepaid and neobank apps. KOHO and Wealthsimple both issue a virtual card alongside the physical one, with real strengths — cashback, no credit check, fast onboarding. But it is one card number per account. You cannot give a different number to each merchant, and you cannot cap or lock an individual card.
Manual discipline. Some people keep a low-limit credit card exclusively for online purchases. This works, and costs nothing, but it does not isolate merchants from each other and does nothing about a subscription you forgot.
ReVault. Distinct card numbers per merchant, per-card rules, plain-language rule setting, and subscription detection — the Privacy.com model, built for Canada. The honest caveat: ReVault is pre-launch, so today it is a waitlist, not a card you can use this afternoon.

What ReVault does that Privacy.com does not

Copying a model closely is not the same as stopping there. Three things are different by design.

Category-Locked cards. Privacy.com locks a card to a merchant. ReVault also locks a card to a merchant category — groceries, transit, software — so one card can cover a whole class of spending and still refuse everything outside it.
Rules in plain language. You write "cap this at $40 a month, weekdays only" and ReVault interprets it, shows you the exact rule it intends to apply, and waits for you to confirm. Nothing takes effect from an AI reading alone.
Bilingual by construction. The entire product and site exist in French and English, including the natural-language rules. For a Québec user this is the difference between a usable product and a translated one.

Where ReVault is currently worse

Privacy.com has been operating since 2014 and has processed billions of dollars. ReVault has processed none — it has not launched. If you need a virtual card in your hands today and you are in the US, Privacy.com is the better answer and this page is not for you.

For Canadians the comparison is different, because Privacy.com is not on the menu at all. The real choice is between a bank virtual card you can use today and a purpose-built product you can join the waitlist for.

Questions about Privacy.com and Canada

Can I use Privacy.com in Canada with a VPN?
No. A VPN changes your apparent location but not the two things that block you: Privacy.com requires a US bank account or US debit card to fund a card, and US identity verification to open the account. Neither can be satisfied from Canada.
Is there a Canadian version of Privacy.com?
Not one that has launched. ReVault is being built as the Canadian equivalent — separate card numbers per merchant with per-card spending rules — and is currently pre-launch with an open waitlist. Bank virtual cards and prepaid apps cover part of the need in the meantime.
Does KOHO give you virtual cards like Privacy.com?
Not in the same way. KOHO issues one virtual card alongside your physical card on every plan. It is useful and it works, but it is a single number for your whole account — you cannot create a separate number per merchant or set rules on an individual card.
Can I get a virtual credit card from a Canadian bank?
Some Canadian issuers provide one. RBC offers a virtual Visa Debit for chequing customers, and several banks display a digital card number in their app. It is generally one fixed number per account with no merchant lock, no per-card cap, and no way to close it individually.
When will ReVault be available?
ReVault is pre-launch. The waitlist at revault.ca is open, and early access is sent to waitlist members in order before general availability. Joining is free and is the only way to receive an invitation at launch.