Privacy.com 4+

Fantastic

I’ve been using privacy for over three years now. Started as a free user then moved to premium as I switched all my bills to it. I use the service for all online payments now. I used to get hit by fraud a few times per year and it’s an annoying process to go through. Now I’ve dropped to one fraud in 3 years. Privacy has caught multiple fraudulent attempts and stopped them cold. Since cards lock to merchants I don’t even need to kill a compromised card. It’s even fun to watch the scammers try to use it and fail! The app works amazingly well and it’s easy to use . I like how it tracks transactions per card so you can see how much you are spending. I’d like to see some more reporting capabilities in the future is my only suggestion. Like spit out reports of how much spend per card per month/year/custom. The cash back with premium pays for the fee and even some extra cash which never hurts. Customer service was great too the one time I used them. I recommend it to all my friends. Thank you for a great service Privacy!

Developer Response ,

Thank you for your support! We’re proud to have played a critical role in your financial management and payment security for the past three years. Your feedback is invaluable, and we will continue working hard to provide the best possible service.

Excellent protection

This app allows you to easily create virtual credit cards linked to your bank account for online payments. It offers the standard credit card protections for disputing charges. It lets you create individual cards for separate online accounts. You can create a card for a single use, or for multiple withdrawals (e.g., to pay recurring monthly bills) while placing a limit on how much can be withdrawn on a per-withdrawal basis or as a whole. You can also pause a card or close it from your phone with a simple tap. These settings can be easily modified. These features have protected me from double billings, from attempts to make a withdrawal after a trial period ended where I had declined to make a full purchase, and from companies that tried to auto-renew when I had not given that authorization. There’s an upgrade that will hide the vendor, which is good to have available. There’s also a categories upgrade I haven’t tried. Great app that gives me peace of mind, gives me control, and keeps improving.

Great Service AND…

I love this service—it helps me stay on top of recurring charges and budget more effectively. For subscriptions that are tough to cancel (or that I might forget to cancel 😅), being able to pause cards is super helpful. I also appreciate that they’ve **finally** introduced a digital card for in-store use—now I can better manage *all* of my purchases and keep everything in one place.

An improvement I’d love to see is the ability to search transactions by dollar amount in the Activity tab. Since actual transactions are hidden from bank statements, this would make account reconciliation much easier. Other than that, I’m happy. Though I’m not sure how private Privacy actually is (if that’s your primary concern), I can say that it serves my fundamental needs extremely well.