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What is a CVV Number, and How Can You Keep It Safe?

Do you know why a card verification value (CVV) number is required when making online transactions? It’s all about preventing fraud. But what is CVV no in a debit card? Well, it is a unique set of numbers present on your card, apart from the card number. 

When a bank asks for this number during a transaction, it adds an extra layer of authentication to ensure the transaction is genuine and secure. This is because hackers can easily obtain card numbers illegally but cannot access the CVV number, making it an essential tool in preventing fraudulent transactions. However, when someone gets access to the CVV number, the chances of fraud increase. This article will talk about ways to keep your CVV number safe.

What Steps Can You Take to Prevent CVV Theft?

There are various steps you can take to prevent CVV theft. Some of them are:

  1. Keep your card safe: Always keep your credit or debit card safe and ensure it is not lost or stolen. If you notice any suspicious activity, immediately report it to your bank.
  2. Don’t share your card details: Never share your card details, including the CVV number, with anyone. This includes over the phone, email, or any other online platform.
  3. Use a secure website: While making online transactions, ensure you use a secure website. Look for the lock icon in the address bar and check whether the website starts with ‘https’ instead of ‘http’.
  4. Use a virtual card: A virtual card is an excellent option to prevent CVV theft. For example – Kotak811 online savings account offers a virtual debit card for making transactions. 
  5. Use two-factor authentication: When you apply for a debit card, always remember to enable two-factor authentication. Many banks offer two-factor authentication to ensure the transaction is genuine. It can include entering the OTP sent to your registered mobile number.
  6. Monitor your transactions: Regularly monitor your bank statements and watch for any suspicious activity. If you notice any unauthorised transactions, report them to your bank immediately.

Following these steps can significantly reduce the risk of CVV theft and ensure your online transactions are secure.

Must Read: What is a Kotak virtual debit card?

Does My Credit Card Have a CVV Number Too?

Yes, just like a debit card, your credit card also has a CVV number. The CVV is a three-digit security code printed on the back of your card, usually in the signature field. It’s used as an additional layer of security for online transactions to ensure the person making the purchase is the actual cardholder. You may need to enter your CVV number when making online purchases or over the phone, so keeping it safe and not sharing it with anyone is important.

When requesting a replacement for my debit card, will my CVV change?

When applying for a replacement debit card, it’s important to note that the CVV generally does not change. It is a static three-digit code printed on your card’s back and primarily associated with the card’s information. Usually, the CVV changes when your card gets renewed, or you request a replacement card for any reason. 


Understanding the significance of the CVV number in online transactions unveils its crucial role in preventing fraud. The unique set of numbers adds an extra layer of authentication, making it challenging for hackers to compromise transactions. To safeguard against CVV theft, practical steps such as keeping cards secure, avoiding the sharing of card details, using secure websites, employing virtual cards, and embracing two-factor authentication prove effective. Monitoring transactions for any unauthorised activity further enhances security.

When seeking a replacement debit card, it is generally expected that the CVV remains unchanged. But in reality, the CVV changes every time the card is renewed or upgraded. You can check this information from your respective financial institution for precise details. By adhering to these security measures and staying informed, individuals can significantly reduce the risk of CVV-related fraud, ensuring the safety of their online transactions.


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