Your card’s CVV may seem like just a simple number, but it’s more important than you think. In fact, it’s a critical security feature when validating online purchases.

So, if you don’t know how to protect your CVV, you might be exposed to fraud or unauthorized charges.

That’s why understanding what a card’s CVV is becomes essential for your financial safety. In this guide, you’ll find everything you need to use your card confidently and keep your information secure with every transaction.

Bank Card CVV: What It Is and How to Stay Safe When Shopping Online

What Is the CVV on a Card?

The CVV (Card Verification Value) is a security code linked to debit and credit cards. It’s usually made up of 3 digits, though sometimes it contains 4 digits.

For example, cards issued under the VISA or Mastercard networks use a 3-digit code. However, American Express cards are known for using a 4-digit security code.

This may vary depending on the network or issuing brand. The name may also differ by bank or provider—it may appear as CVC (Card Verification Code).

What Is the CVV on a Credit Card For?

If you’re wondering what the CVV means on a debit card, the answer is simple: security. Its main function is to confirm that the person making the purchase is the actual cardholder.

Essentially, it’s an extra layer of verification that reduces the risk of fraud when entering card data on digital platforms. The code is mostly used for transactions without a physical presence, such as online or phone purchases.

Usually, the CVV is printed on the card itself. However, some banks have started hiding this code for security reasons.

So, how can you find the CVV on a credit or debit card in that case?

Through the mobile app of the issuing bank. This is a way to safeguard information and prevent unauthorized access.

In fact, banks like BBVA offer a dynamic CVV—a code that changes every few minutes and is only accessible via their app.

CVV and Security: Why It Matters

The CVV on your card plays a vital role in preventing fraud during remote purchases.

Even if a card number and its expiration date are leaked, the CVV should remain known only to the cardholder—whether because they possess the physical card or have authorized access to the digital code through the banking app.

It’s a code that acts as an extra verification step to confirm the card’s information hasn’t been cloned or compromised. It’s uniquely tied to each card.

So, if you lose your card and get a replacement, the new card will have both a new expiration date and a new CVV—even if the main card number stays the same.

This renewal ensures that the old CVV can no longer be used, strengthening your protection against fraudulent use.

How to Protect Your Card’s CVV When Shopping Online?

As a security measure, you can opt for credit card stickers that cover sensitive information. But it’s not just about hiding what’s visible—what truly matters is adopting habits that keep this code out of reach from third parties.

That includes:

Never share your card’s CVV or banking credentials

The CVV is a confidential detail that should never be sent via text or WhatsApp, nor shared over calls or in external forms.
It’s also unwise to give your banking login to others, as they might access the dynamic CVV from your banking app, if applicable.

Don’t enter your CVV on untrusted websites

One of the most important online shopping tips is to verify that the site uses the HTTPS security protocol and has valid certificates. Do this before entering your security code.

Avoid making purchases on unfamiliar websites or those with poor layout or grammar, as they could be fake.

Keep your devices secure

• Shop from personal devices

• Use strong passwords

• Don’t connect to public Wi-Fi

• Keep your phone and computer updated

• Install reliable antivirus software

Use digital wallets

Most digital wallets provide an extra layer of protection by allowing you to authorize payments without directly entering your CVV each time.

A great example is DolarApp, which lets you enable two-factor authentication (2FA) to access the app. This way, only you can approve your virtual card’s use and validate purchases in a secure environment.

In addition, the card we offer—DolarCard—operates with digital dollars. This makes it a more accessible option compared to traditional international credit cards for purchases abroad.

Another major advantage of DolarApp is the option to request a physical card for use in physical stores.

Remember…

While other card data might be compromised, the CVV provides a crucial layer of protection. Its security depends on keeping it confidential and under your control at all times.

FAQs

What types of CVV exist?

There’s CVV1, encoded in the magnetic strip for in-person payments, and CVV2, which is printed on the card or visible in your app, used for online transactions. There’s also the dynamic CVV, which changes periodically and offers stronger protection.

Where can I find my card’s CVV?

The CVV is usually printed on the back of the card, next to the signature strip and in a different font. For digital cards, you can view it through your bank’s app or issuing platform.

Can someone shop without the CVV?

Most online purchases require the CVV as a security check. However, some recurring payments or subscriptions may process future transactions without requesting it again after the initial entry.