OmniAccount vs Privacy.com
Virtual cards are table stakes.
Budget enforcement is the game.
Privacy.com pioneered virtual cards for security and control. OmniAccount takes it further: cards that know your budget and enforce it automatically.
You already know the power of virtual cards
If you're using Privacy.com, you get it. Virtual cards let you:
- ✓ Lock a card to one merchant—no surprise charges if that company gets breached
- ✓ Cancel subscriptions with a click—no hunting for cancellation buttons
- ✓ Set hard limits—$50/month for that subscription, no "accidental" upgrades
But here's what Privacy.com can't do:
- ✗ Know your budget. Privacy.com limits are per-card. You still overspend on "groceries" across 5 different stores.
- ✗ See your full picture. Privacy.com only sees the funding account. What about your savings? Investments? Other banks?
- ✗ Protect your family. Privacy.com is single-user. Your partner? Your kids? They're on their own.
- ✗ Help you optimize. Privacy.com doesn't analyze patterns or suggest improvements. It's a tool, not a partner.
Same card control. Smarter spending.
OmniAccount gives you everything Privacy.com does—plus the budget intelligence to actually control your spending.
Budget-Aware Cards
Create a "Groceries" wallet with $600/month. Get a card for it. Shop at any grocery store. When you've spent $600? The card declines. No spreadsheet needed.
Family Controls
Partner gets their own cards with shared or separate budgets. Kids get controlled spending with real-time notifications. One platform, whole family.
Full Financial Picture
Connect all your banks, not just the funding account. See net worth, track investments, understand where every dollar flows—across every account you own.
AI That Optimizes
Pattern detection finds wasteful subscriptions. Spending analysis suggests budget adjustments. Not just security—active improvement of your finances.
Feature Comparison
See exactly what you get with each platform.
Privacy.com
$5-25/mo
Cards
Budgeting
Family
OmniAccount
$9.99/mo founding
Cards
Budgeting
Family
| Feature | Privacy.com | OmniAccount |
|---|---|---|
| Virtual Cards | ||
| Virtual card creation | ✓ | ✓ |
| Merchant-locked cards | ✓ | ✓ |
| Per-card spending limits | ✓ | ✓ |
| Instant pause/cancel | ✓ | ✓ |
| Physical card | ✗ | 1 per member |
| Card sharing | Plus+ ($5+/mo) | ✓ |
| Cashback rewards | Pro ($10/mo) 1% | Roadmap |
| Budget & Tracking | ||
| Budget categories | ✗ | ✓ |
| Category spending limits | ✗ | ✓ |
| Real-time budget enforcement | ✗ | ✓ |
| Bank aggregation | Funding only | All accounts |
| Net worth tracking | ✗ | ✓ |
| Investment tracking | ✗ | ✓ |
| Family & Sharing | ||
| Multiple users | ✗ | ✓ |
| Shared budgets for couples | ✗ | ✓ |
| Cards for kids/teens | ✗ | ✓ |
| Parental controls | ✗ | ✓ |
| Intelligence | ||
| Auto-categorization | ✗ | AI-powered |
| Recurring charge detection | Basic | Advanced |
| Spending pattern analysis | ✗ | ✓ |
| Optimization suggestions | ✗ | ✓ |
| Pricing | ||
| Free tier | 12 cards/mo | — |
| Paid plans | $5-25/mo | $14.99/mo |
| Founding member price | — | $9.99/mo forever |
Which is right for you?
Both are excellent tools. Here's how to choose.
Stick with Privacy.com if...
- • You only need cards for online privacy and security
- • You don't want or need a budget
- • You're a single user with no family considerations
- • You use other tools for budgeting and are happy with them
- • You want a free option with no commitment (12 cards/month)
Choose OmniAccount if...
- ✓ You want cards that actually enforce your budget
- ✓ You're tired of checking "did I go over?" after the fact
- ✓ You want one tool instead of Privacy.com + YNAB/Monarch
- ✓ You have a partner or kids who need cards too
- ✓ You want AI to help you spend smarter, not just safer
Frequently Asked Questions
What's the difference between OmniAccount and Privacy.com?
▾
Privacy.com provides virtual cards for secure online shopping and subscription management. OmniAccount provides virtual cards that are directly linked to your budget—when you hit your spending limit, the card automatically declines. OmniAccount also adds AI optimization and family controls that Privacy.com doesn't offer.
Can I use OmniAccount just for virtual cards like Privacy.com?
▾
Yes. OmniAccount's virtual cards work standalone for privacy and merchant control. But the real power comes from linking them to budgets. Your "Groceries" wallet card automatically stays within your grocery budget—no willpower required.
Does OmniAccount have the same spending limits?
▾
OmniAccount goes beyond Privacy.com's limits. You get per-transaction limits, daily/weekly/monthly limits, AND budget-based limits tied to your overall financial plan. Privacy.com limits are per-card; OmniAccount limits are per-card AND per-category across your entire budget.
Can my family use OmniAccount together?
▾
Yes. Unlike Privacy.com (single-user only), OmniAccount supports your whole family. Adults can share budgets, each family member can have their own cards with their own limits, and parents can give children controlled spending with real-time oversight.
Is OmniAccount as secure as Privacy.com?
▾
Yes. OmniAccount uses virtual card infrastructure with bank-level encryption, SOC 2 compliance, and real-time fraud monitoring. You get the same security benefits— merchant-locked cards, instant cancellation, spending limits—plus the added protection of budget-based controls.
Can I migrate my Privacy.com setup to OmniAccount?
▾
Virtual cards by their nature require new card numbers, so you'll need to update merchants. But OmniAccount makes this easy: create your budget categories (wallets), generate cards for each, and update merchants as subscriptions renew. Your recurring charges are automatically detected and categorized by AI.
Ready for cards that know your budget?
Join the waitlist for early access. Founding members lock in $9.99/month forever.
Be first in line when we launch.