VDBP gives us premium card benefits without building from scratch. Configure, integrate, and ship.
Visa Digital Benefits Platform — a turnkey solution that powers premium card benefits at enterprise scale. No need to build. Configure, integrate, go live.
Existing Visa benefits — lounges, insurance, protection, concierge — ready to activate via admin tool
Single API replaces dozens of individual benefit provider partnerships
Configure benefits per Club tier via BIN mapping — Silver through Diamond get different perks
Configure in admin → API integration → go live. Weeks, not months of feature development
💡 "VDBP gives us enterprise-grade benefits on Day 1. No need to build — just configure, integrate, and ship."
Already one of the strongest fintech cards in Europe — 130K active cards, $3B in deposits.
Cashback invested directly into stocks
Up to 100% off FX fees by tier
No annual or monthly card fees
Tap-to-pay everywhere
Cash interest by Club tier
Revenue share by Club tier
Visa Luxury Hotel perks
eToro Club member benefits
eToro is transforming from a weekly trading app → a daily financial SuperApp.
Virtual Card, Apple Pay, joint accounts — table-stakes banking features
Round-Up Investing, Smart Sweep, Stock-Back — banking meets investing
Family Cards, international transfers, credit — grow the platform
VDBP is the benefits engine that powers Club tier differentiation across all three tracks
These are existing Visa benefits available via the VDBP API — no engineering needed beyond integration.
VDBP benefits mapped onto the 4 existing Club tiers. Also available via $4.99/mo subscription (Platinum benefits).
| Benefit | Silver $5K equity | Gold $10K equity | Platinum $25K equity | Diamond $250K equity |
|---|---|---|---|---|
| — eToro Club — | ||||
| Stock Rewards | 1% | 2% | 4% | 5% |
| Staking Revenue Share | 55% | 65% | 75% | 90% |
| Cash Interest | 1% | 1% | 3% | 4.3% |
| FX Fee Discount | 25% | 25% | 50% | 100% |
| — VDBP Benefits — | ||||
| Airport Lounges | — | — | 2/year | Unlimited |
| Visa Luxury Hotels | — | — | ✓ | ✓ VIP |
| Purchase Protection | — | Basic | Standard | Premium |
| Extended Warranty | — | Basic | Standard | Premium |
| Travel Insurance | — | — | ✓ | ✓ Premium |
| Emergency Medical | — | — | ✓ | ✓ $2.5M |
| Concierge | — | — | — | ✓ Dedicated |
| Fast Track | — | — | ✓ | ✓ |
| Car Rental Elite | — | — | ✓ | ✓ Top Tier |
| eSIM (GigSky) | — | — | ✓ | ✓ |
| Return Protection | — | — | ✓ | ✓ |
| Flex Choice | — | — | Pick 1 | Pick 3 |
One app. Every financial moment. VDBP benefits activate at the point of living.
Smart Sweep auto-allocates: invest + save + spend
Stock-Back puts £0.14 into Apple shares
Spare change auto-invests via CopyTrader
Tap card → access lounge
Visa Luxury Hotels — upgrades + credits
Purchase Protection claim — covered
All in ONE app. Invest · Save · Spend · Protect · Travel — this is the SuperApp vision.
Four API families. One integration. Entire benefits ecosystem unlocked.
Personalised benefits per individual card/PAN. Show each user exactly what they have access to.
Define benefits by Club tier — map Silver through Diamond BINs to different benefit packages.
Downloadable benefit documents — T&Cs, insurance certificates, activation guides.
The differentiator: let cardholders choose their own benefits. Maximum engagement.
Platinum picks 1 benefit. Diamond picks 3. Personalised card perks drive the highest engagement — and it's already built into VDBP.
$4.99/mo gets Platinum Club benefits — now supercharged with Visa premium perks.
Same price. Massively more value. VDBP benefits drive subscription adoption → recurring revenue + higher engagement.
VDBP is the benefits layer that sits on top of all three banking tracks. Every new feature gets better with VDBP.
VDBP doesn't replace the roadmap — it amplifies every feature on it.
$4.99/mo or $49.99/year. VDBP benefits are the value driver that converts free → paid.
VDBP benefits differentiate tiers — users deposit more to unlock Platinum and Diamond perks.
Not just card revenue. Club upgrades from VDBP benefits drive deposits → higher AUM → more trading revenue.
VDBP isn't just card revenue — it's the engine that drives Club upgrades, deposits, and AUM growth.
eToro + VDBP = the ONLY platform combining investing + banking + social + premium benefits.
Everyone has parts of the puzzle. Only eToro + VDBP has all of them in one app.
All available via VDBP admin tool. Ranked by client impact and zero-build effort.
Let users pick their own perks. Highest engagement, strongest retention. Already in VDBP — just activate the API.
Most desired premium perk globally. 1,300+ lounges. Instant perceived value. Configure in admin → done.
Zero effort for users, automatic coverage. Visa handles all claims. Activate per BIN in minutes.
Trip cancellation, travel delay, $2.5M emergency medical. High perceived value, zero fulfillment work.
Luxury Hotel Collection + Relais & Châteaux. Upgrades + credits at 200+ properties. Aspirational, turnkey.
From kickoff to live benefits in weeks, not months. VDBP is turnkey infrastructure.
Four steps. All turnkey. No new feature development required.
eToro Money is already a Visa issuer. Activate VDBP through existing relationship. Admin tool access in days.
Map benefit packages to Silver/Gold/Platinum/Diamond BINs in VDBP admin. Set Flex Choice options.
2–3 engineers, 4 weeks. Connect eToro app to VDBP's four API families. Benefit display + Flex Choice UI.
Launch VDBP benefits as the $4.99/mo value driver. "Get Platinum Club + Visa premium perks for $4.99."
🚀 Configure → Integrate → Ship. Enterprise-grade benefits without building from scratch.
VDBP gives us enterprise-grade benefits on Day 1. No provider contracts, no claims handling, no build.
VDBP benefits make each Club tier dramatically more valuable — Silver through Diamond.
VDBP makes $4.99/mo irresistible — premium Visa perks drive subscription adoption + recurring revenue.
Benefits activate at every financial moment — spend, travel, protect, invest. All in one app.
Visa VDBP × eToro Banking Pillar — Enterprise-Grade Benefits on Day 1