What is the CVC or CVV on credit cards?

3 min read
If you shop online regularly, you’ll know that most stores ask for a three-digit code—the CVC—to validate the payment when you’re paying for your order by credit card.But have you ever wondered what the CVC on your credit card is and what it’s used for? Then keep reading!

What is the CVC on cards?

CVC stands for card verification code. It’s a three-digit numerical code printed on the back of credit, debit, and prepaid cards.Although this number is usually found on the back of the card, including on cards from Visa and Mastercard, on American Express cards it’s on the front.This code is simply a security measure to verify the authenticity of the card in transactions where it’s not being used physically, such as online purchases, and to demonstrate that it’s the cardholder using it in order to avoid fraudulent transactions. Each card has its own unique and non-transferable CVC or CVV.Some banks offer options such as a dynamic CVC, which is generated randomly for each transaction. This is a safer alternative because it doesn’t reveal the CVC of the physical card.

Types of CVC on credit cards

Did you know that credit or debit cards have more than one CVC or CVV? Depending on the type of transaction you’re doing, you’ll use one or the other.These are the two types of CVCs:
  • CVV type 1: The CVC is located on the magnetic stripe of the card and is used for physical transactions such as payment at a store using the POS. In this case, it’s not necessary to provide the CVC, since the POS terminal reads it through the magnetic stripe. Normally, the CVC corresponds to the last four digits of the card number. 
  • CVV type 2: This is the CVC used to pay for online purchases. The CVC is randomly generated by an algorithm and is then printed on the back of the card. This is a three-digit code to verify card ownership in online transactions.
There are also other names for the CVC depending on the type of card being used:
  • CSC: for Mastercard debit cards.
  • CVC2: for Visa cards.
  • CID: for American Express cards.

Banking basics

Banking jargon can be confusing—but it doesn't have to be. Find simple explanations to popular banking terms.

Learn the basics
Banking basics.

How to use a card’s CVC

As mentioned above, the CVC is a security measure to verify the authenticity of credit or debit cards used in online transactions and to prevent fraud.To use the CVC of the card, all you have to do is make a purchase online and then provide the CVC in the payment window once you’ve entered the number and expiration date of the card.Once the process is completed, you may need to authorize the purchase via text message or your bank’s mobile app.

What happens if a card doesn’t have a CVC?

All credit, debit and prepaid cards have a CVC, although often it can’t be read due to wear and tear on the card.If you find yourself in this situation, contact your bank to request a new card so that your CVC can be read easily.

How to recover the CVC

In case of theft or loss of a card, or if the CVC has simply been erased due to wear and tear, the CVC can’t be recovered, since it’s a unique code. In these situations, you can request a duplicate card from your bank with a new CVC.

The bank you'll love

✓ 100% mobile ✓ No hidden fees ✓ No paperwork ✓ Free virtual Mastercard ✓ Free ATM withdrawals

Get started
An elevated hand holding a transparent N26 Standard card.

Your money with N26 

Opening a fee-free bank account is free of charge, and you also receive your own Mastercard, which you can easily add to your Google Pay or Apple Pay. For more control over your finances, the N26 Smart bank account includes 10 Spaces sub-accounts, allowing you to organize your savings according to your personal goals. These Spaces work like a digital piggy bank, helping you to save for whatever you want: a special project, an investment, or anything else that takes your fancy.


    The CVC is a three-digit numerical code used to verify the authenticity of the credit or debit card in transactions where physical payment isn’t possible. This is a security measure to prevent fraud during online purchases.

    The CVC is typically printed on the back of any credit, debit, or prepaid card, usually below the card’s magnetic stripe. Remember that the code is found on the front of some cards.

    To find your CVC, just check the back or front of the card! Depending on the type of card you're using, the CVC will be printed on it as a three-digit numerical code. In case the CVC has worn off or can’t be read correctly, contact your bank for a duplicate card.

    The CVC is generated at random by an algorithm. This code is usually issued by an authorized agency, which then communicates it to the bank that owns the credit or debit card.

    It’s essential that you don’t share your CVC along with your card number and expiration date, as you would be giving third parties the opportunity to use the credit or debit card without your consent.


Find similar stories


BY N26Love your bank

Related Post

These might also interest you
How to master your shared savings goals.
Banking Basics

How to master your shared savings goals

From dream vacations to homeownership, here’s how to achieve It all with shared financial goals

5 min read
How inflation can deplete your hard-earned money, and ways to fight it.
Banking Basics

How inflation can deplete your hard-earned money, and ways to fight it

Inflation can take a toll on your money — if you let it. Here, we share strategies for fighting inflation, like investing and taking advantage of high-interest savings accounts.

10 min read
SEPA transfers made easy–everything you need to know.
Banking Basics

SEPA transfers made easy–everything you need to know

You’ve heard of SEPA payments, but what does it stand for, and how does it actually work? We unpack all you need to know about SEPA transfers here.

8 min read