It is difficult enough to make money, so why should spending it be a hassle? The fact that Naira cards cannot be used for foreign purchases is no longer news. This restriction prevents you from using vital services like Netflix, Apple Music, Amazon, and even important tools like cloud storage and freelance marketplaces like Upwork. Is not that frustrating? Receiving an actual dollar card may initially appear to be the answer, but nobody wants to cope with the stress of opening a domiciliary account and looking for forex. Fortunately, Nigerian virtual dollar card companies present a more intelligent option. You may create a card on your preferred payment platform, convert Naira to dollars, and begin making payments practically immediately with a few taps. Not sure which virtual card
Most Popular Virtual USD Card Providers In Nigeria
21 Most Popular Virtual USD Card Providers In Nigeria
Here is a brief overview of the top virtual card companies, complete with important information on costs and financing choices to assist you in making an informed decision.
| s/n | Provider | Card Creation Fee | Monthly Fee | Funding Options |
| 1 | Cardtonic | $1.5 | None | Naira, Cedis |
| 2 | Vesti | $10 | None | Naira ($10 min) |
| 3 | GeePay | $3 | None | Naira ($2 min) |
| 4 | Grey | $4 ($1 credited) | None | Naira, USD, GBP |
| 5 | Chipper Cash | $3 | $1 | Naira |
| 6 | Cardify | $2 | None | Naira, BinancePay |
| 7 | PSTNET | $7-$10 | None | Crypto |
| 8 | Zole | $2 | None | Naira |
| 9 | Klasha | $2 | None | Wallet funding |
| 10 | Bitsika | $3 | None | Naira, crypto |
| 11 | Dantown | $2 | None | Naira, crypto |
| 12 | Changera | Varies | None | Naira, Euro, Pounds |
| 13 | ALAT by Wema | Free | None | Naira |
| 14 | Spectrocard | $3 | None | Naira, crypto |
| 15 | Tribapay | Varies | None | Naira |
| 16 | Fundall | Free/$2 | None | Naira ($5 min) |
| 17 | Bitnob | $1 | $1 (if < $100) | Naira, crypto |
| 18 | Eyowo | $2 | None | Naira |
| 19 | Eversend | Free | $1 | $1 min top-up |
| 20 | Gomoney | Free/(< $1) | None | Naira |
| 21 | Nearpays | $2 | None | Naira |
1. Cardtonic
A well-known fintech business in Ghana and Nigeria, Cardtonic provides a variety of services, such as virtual dollar cards for easy international transactions, bill payment, gadget purchases, and gift card buying and selling. Cardtonic’s virtual dollar card is notable for being both flexible and reasonably priced. It is a great choice for overseas payments since it enables customers to fund the card in Naira at some of the best conversion rates available. Additionally, the card is accepted worldwide on popular websites such as Amazon, Adobe, Aliexpress, Airbnb, Apple Music, Canva, Coursera, Capcut, ChatGPT, eBay, Facebook, Fiverr, Hulu, Instagram, Linkedin, Microsoft, Medium, Netflix, Paypal, Spotify, Shein, Temu, TikTok, Twitter (X), Upwork, Udemy, YouTube, Zoom, and more. Users simply have to pay $1.5 to create a card.
2. Vesti
A virtual dollar card is offered by Vesti for quick and safe international payments. The card has a $10,000 monthly spending limit and can be filled with $10 from your Naira wallet. It is accepted on more than 100 platforms. Users can see balances, control transactions, and remove compromised cards using the Vesti app. It is a dependable choice for anyone wishing to conduct hassle-free international payments and save money on currency exchange.
3. GeePay
For overseas transactions, GeePay by Raenest provides virtual dollar cards in USD, GBP, and EUR. Because it accepts payments via Payoneer and PayPal, it is perfect for independent contractors and business owners.
You must have at least $2 to fund the card, which costs $3 to make. GeePay is a flexible option for international payments because it allows withdrawals to local banks and mobile money accounts in more than 100 countries.
4. Grey
Grey’s virtual dollar card simplifies foreign payments. It is ideal for flexible international transactions because it supports a variety of currencies, including NGN, USD, and GBP. Although it costs $4 to create a card, you receive $1 back in your account. As little as $2 can be used to fund it, or as much as $2,500 for every transaction.
With its reasonable exchange rates and no maintenance costs, Grey stands out. Whether it is subscriptions or shopping, this card makes the process stress-free.
5. Chipper Cash
Chipper Cash offers a 3D-secured virtual dollar card designed for stress-free international payments. It’s widely accepted on platforms like Spotify, Netflix, and Apple. Creating a card costs $3, with a $1 monthly maintenance fee.
Whether you are shopping, making a subscription, or sending money internationally, the Chipper Cash app makes it simple to fund and manage your card.
6. Cardify
The virtual dollar card from Cardify Africa is designed to be user-friendly and flexible. You may use it on websites like AliExpress, eBay, and Amazon and fund it with Naira, BinancePay, or Paxful.
It only costs $2 to create a card, and there are no ongoing fees to consider.
7. PSTNET
The virtual cards offered by PSTNET are designed to meet particular requirements, such as online shopping and advertising. They function well on Google, TikTok, and Facebook ads. Fees vary from $7 to $10 each month, depending on the card type.
The software provides tools to track spending and obtain transaction records, and you may use cryptocurrencies to fund the card. For companies and individuals managing international payments or executing campaigns, PSTNET is perfect.
8. Zole
Zole provides a virtual dollar card that is simple to use and quick to set up. You can establish a card with no maintenance fees that lasts for three years for just $2. There is a 0.5% transaction fee, though. Because Zole’s card is compatible with sites like Amazon, Udemy, and Coursera, it is perfect for learning, shopping, and even hosting.
9. Klasha
It makes perfect sense for anyone conducting business or shopping abroad to use Klasha’s virtual dollar card. It is simple to use and reasonably priced—just $2 to create—and is accepted on websites like Shein, AliExpress, and Netflix. With the Klasha app, you may fund the card straight from your wallet and take advantage of favourable exchange rates. With its comprehensive histories, real-time transaction alerts, and spending insights, the app also helps you stay organised.
10. Bitsika
Bitsika’s virtual dollar card makes overseas payments incredibly easy. You have a lot of options because you can pay with cryptocurrencies or Naira. Due to its global platform compatibility, the card is ideal for online purchases and subscriptions.
There are no maintenance fees, and it only costs $3 to create. Additionally, tracking transactions and maintaining your card are made simple via the Bitsika app.
11. Dantown
Dantown offers a dependable virtual dollar card if you require one. Accepted on sites like PayPal, Netflix, and eBay, it is a fantastic choice for international payments and shopping.
It is also versatile because you may finance it with cryptocurrency or Naira. There are no monthly fees, and creating the card costs only $2.
12. Changera
Bitmama-powered Changera’s virtual dollar card is ideal for anyone handling international payments. It is flexible for a variety of currencies because it accepts Naira, Euros, and Pounds. There is no minimum amount required to fund the card, and you can keep up to $10,000 every month. PayPal transactions and other international platforms benefit greatly from it.
13. ALAT by Wema
Without requiring a real card, Wema Bank provides its virtual card to enable online payments and purchases for subscription services like Spotify, Netflix, and iTunes.
Users are not billed extra fees, and the cards function flawlessly on well-known apps and sites. Using the Alat app, you can easily establish, manage, liquidate, or even block your virtual card.
14. Spectrocard
For international payments and subscriptions, Spectrocard is a reliable option. This card simplifies transactions whether you are using Facebook Ads or Amazon. There are no additional fees or maintenance requirements, and the creation cost is $3.
The comprehensive transaction reports that are available for download directly from the app will be highly appreciated by freelancers and business owners. To give you even more options, you can also use cryptocurrencies or Naira to fund your card.
15. Tribapay
Tribapay’s virtual dollar cards simplify the management of international payments. These cards provide flexibility for online transactions by being accepted on e-commerce websites and platforms such as PayPal. The Tribapay software allows you to immediately create, fund, and set spending restrictions for many cards. Additional security is ensured by the option to modify PINs and link cards to PayPal accounts.
16. Fundall
For Nigerians, Fundall is a one-stop shop that provides virtual dollar cards that make making international payments easier. Multiple cards can be made, with the first one being free and the others only costing $2. The card, which functions flawlessly on websites like Amazon, eBay, and Alibaba, requires a minimum of $5 to be funded. Fundall’s virtual cards are a fantastic option for online consumers and freelancers because they guarantee safe and easy international transactions.
17. Bitnob
Bitnob gives you a virtual dollar card that’s perfect for both fiat and cryptocurrency users. Creating a card costs just $1, and you can fund it with up to $10,000. For top-ups under $100, you’re charged $1, while amounts above $100 attract a 1% fee.
The card is widely accepted across several African countries, including Nigeria and Kenya. What’s more? You can even customise your card’s colour, name, and description, adding a personal touch to your transactions.
18. Eyowo
Eyowo’s virtual dollar card makes things easy and safe. When you fund it with Naira, you can take advantage of competitive currency rates and use it to pay for services like Spotify, Google Play, or Netflix. There are no ongoing fees, and the cost of creating a card is $2. By enabling you to monitor your spending, freeze your card, or remove it if needed, the Eyowo app simplifies your life.
19. Eversend
A virtual dollar card with clear exchange rates and no additional costs is available from Eversend. Although creating the card is free, there is a $1 minimum top-up and a $1 monthly maintenance fee. It is excellent for international payments because it operates throughout Europe, the UK, and Africa.
Additional security features include the ability to generate several cards, freeze or erase them if compromised, and more. Additionally, Eversend costs $0.35 for unsuccessful transfers that result from insufficient funds.
20. Gomoney
Are you trying to find a virtual dollar card that is affordable? When you create your first card, Gomoney gives you one for free. If you require more cards, they cost ₦850 apiece. You can safely and unrestrictedly use this card to pay for services like Amazon, Coursera, and Apple Music.
21. Nearpays
Nearpays is the perfect choice for freelancers and businesses dealing with international clients. The virtual dollar card is globally accepted and supports payments on platforms like PayPal, Netflix, and Amazon.
It costs $2 to create, and there are no extra charges to worry about. You can fund it with Naira at great exchange rates, and the app lets you track transactions, set spending limits, and even freeze the card if needed.
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