Do I have to activate my Zumo card?

Your virtual card doesn't require activation.

However, you will have to activate your Zumo Convertible Debit Card by registering your PAN (the long card number) in the Zumo app when it arrives at your home address. The first time you use your card, you may also need to pay via Chip and PIN. Afterwards, you'll be able to use your card to make online and contactless payments at all retailers that accept VISA.