20 Cheapest Virtual Dollar Cards in Nigeria for 2024 (That Work)

virtual dollar cards in Nigeria

Updated on February 9, 2024

Do you want to shop from global websites and grab those fantastic deals?

You know, the latest gadgets on Amazon, stylish clothes on Aliexpress, online courses for a brighter future, or even Netflix subscriptions for non-stop entertainment.

But there’s a problem – your regular Naira debit or credit card won’t cut it. It’s either rejected or full of rules. Super frustrating, right?

Well, here’s the solution: virtual dollar cards in Nigeria.

Virtual dollar cards are like magic cards for shopping online internationally. And guess what? You don’t need a special bank account or a domiciliary account.

In Nigeria, these virtual card services are currently the best ways to pay for online shopping, subscriptions, or any online payments that Naira ATM cards don’t work for.

And the best part? you can have one in just minutes, thanks to cool Nigerian fintech companies.

In this guide, we’ll go into detail about the cheapest and best virtual dollar cards in Nigeria. As well as the top virtual naira cards.

So if you want one or a couple of virtual USD cards, we’ve got you covered.

The cheapest virtual dollar cards in Nigeria are Chipper cash, Bitnob,

Let’s get started with finding you the perfect virtual card in Nigeria for your online payment adventures. Zed App

Below are the best virtual dollar cards in Nigeria right now for buying and paying for stuff online if you live in Nigeria.

20 Best & Cheapest Virtual Dollar Cards in Nigeria

Here are the cheapest virtual dollar cards in Nigeria that are working now:

EPN.net Virtual Dollar Card

epn virtual dollar card 720 300

EPN.net is an international service hooking you up with virtual cards from US and EU banks. This service lets you instantly get cards for spending on any online buys. We recommend using these versatile virtual cards on Amazon, Shopify, and other platforms to make your international payments.

Plus, you can snag subscriptions to Spotify, Netflix, Fiverr, and other dope services with ’em. All cards come strapped with that 3D-Secure support, unlocking extra flex in how you use them.

You can get your first virtual dollar card from EPN without dropping your ID and with just a couple of clicks.

  • Top-up fee starts at 2.5%.
  • No usage restrictions, go wild
  • Security and anonymity on lock
  • Daily quality check on the cards

All these features make EPN one of the slickest deals among all payment cards for any kind of online international payment.

Accrue Virtual Card

accrue virtual dollar card

The Accrue Card is the best dollar card in Nigeria. It’s easy to use and safe, making it a favorite for people like you.

Getting an Accrue card is super simple: download the app, sign up, add money, get your card, and start spending—all in one day.

You can spend up to $10,000 every day with it!

The best part?

No extra fees for buying stuff from other countries.Ready to get started? Click here to get your Accrue card now!

Grey Card

grey cards

The Grey Card is another reliable virtual dollar card in Nigeria. It’s easy to use for buying things online with dollars.

You pay just $4 once and $1 to put money on the card. You can use it on websites that accept dollars. But remember, you can’t use it for things like buying cryptocurrency or betting online.

Chipper Cash

chipper cash virtual dollar card in nigeria

Burna Boy’s Chipper Cash also provides Virtual dollar cards in Nigeria that can be used for online international transactions.

The virtual dollar card can be funded right from the user’s Chipper wallet and is free to acquire.

This virtual card service can be used online for international payments in the same way you use your physical debit or credit cards.

Chipper USD Virtual dollar Card Funding, Spending, and Withdrawal Limits are:

  • Maximum Withdrawal – $1000 daily
  • Minimum Withdrawal – *No Limit*
  • Maximum Funding Limit – $1000 daily
  • Minimum Funding Limit – *No Limit*
  • Maximum Daily Spend Limit – $1000
  • Maximum Monthly Spend Limit – $5000

Flip by FluidCoins

flip app virtual dollar card

Fluidcoins is a crypto-powered payment and savings app that lets you send and receive money anytime, anywhere using just Your Flip Tag or the Flip App.

This app also lets you save and grow your wealth in Stablecoins (Crypto), and also make payments to merchants via the app make online payments with its crypto-powered virtual dollar cards.

The Flip virtual USD cards are one of the visual dollar cards that are working at the moment, unlike the other popular ones like Flutterwave and Eversend.

The Flip virtual dollar card has a $1500 limit per transaction. You can start using this virtual dollar card by downloading the Flip App.

Related: How to Save in Dollars in Nigeria

Changera Dollar Card

Changera Virtual dollar Card

Changera is another interesting fast and secure app that lets you send money to Nigeria from anywhere in the world.

The app also lets you create virtual dollar cards in Nigeria that are available for use globally.

Once you create your virtual dollar card on Changera, you can fund it via FIAT or a Crypto wallet.

Changera, a product of Bitmama.io, allows you to create multiple virtual dollar cards so that you can have several cards for different online activities.

Changera is available on Andriod and iPhone app stores respectively.

You can also send money to your friends and family in Nigeria with this app from African countries, the US, and Europe.

You can fund your Changera wallet through your card or a bank transfer.

Checkout: Best Platforms for Buying & Selling Gift Cards in Nigeria

Bitnob Virtual Cards

bitnob virtual cards

You can spend money easily online with Bitnob’s Virtual Cards. Bitnob is a crypto-powered fintech to recharge your airtime, pay bills, or buy a gift card.

You can also send money and receive money across African countries with Bitnob.

Other things you can use Bitnob for include: Making unlimited payments online and buying, selling, and auto-saving Bitcoin.

Creating a virtual card on Bitnob is easy and free of charge.

Related: Best Quality Credit Cards in Nigeria

Sats App Virtual Dollar Card

Sats virtual dollar card

Sats app offers a a reliable virtual dollar card that you can use to spend anywhere, anytime with ease. You can use your Sats App virtual USD card to shop online and pay for goods, services, subscriptions, online courses, and much more.

Sats app USD virtual cards work on platforms like Instagram, Apple, Aliexpress, Shein, Amazon, and a host of others.

To create and start using a Sats virtual dollar card in Nigeria costs $2. Whenever you use this virtual dollar card for a transaction, you’re charged 1% for that transaction. There’s also a card maintenance fee of $1 per month, that’s only if you use the Sats app virtual card for that month


payday virtual card

Payday lets you send and receive money globally in seconds. It also has a virtual dollar card for buying stuff internationally online and making online payments as well. You can also open USD, GBP and EUR accounts for free.

Payday virtual cards allow you to shop anywhere Mastercards are accepted. for now, there are no limits to the Payday virtual dollar card.

Checkout: How to Recieve Dollars in Nigeria

Zed App

zed dollar card

Zed app is a financial lifestyle that lets you send and receive money, buy and sell gift cards from over 20 countries around the world, and make very fast and secure payments on both local and international platforms with your Zed virtual dollar card.

Related: Best Online Payment Gateways in Nigeria



Tribapay is a digital wallet that offers virtual naira and dollar cards in Nigeria. You can also send and receive money, store money in a token, sell your airtime, and get cash.

You can use Tribapay virtual dollar cards to shop from anywhere in Nigeria. Tribapay offers two different types of virtual dollar cards; a Standard dollar card and a Gold Dollar card.

Both cards cost a non-refundable fee of $4 to create. You can create up to 5 dollar cards on Tribapay.


cashbuddy virtual dollar card

CashBuddy lets you create virtual dollar cards in Nigeria that work on global platforms like Skrill, Amazon, Apple Music, Stripe, Binance, Facebook, Instagram, PayPal, Netteller, etc.

The Cashbuddy app lets you pay and get paid in Africa.

Creating a CashBuddy virtual dollar card costs $3, the transaction fee is $0, the Maximum Card Load Amount per 24 hours is $10,000, and the Maximum Card Load Amount per Month is $10,000.


alat virtual dollar card

Owned by Wema Bank, ALAT was the first digital bank in Nigeria. Just like Kuda Bank, ALAT allows you to operate a bank account without having to go to a bank.

To get an ALAT virtual card, you’ll need to have an ALAT account. You also get a physical debit card with ALAT.

To get an ALAT Virtual Dollar Card follow these steps:

  • Download and Sign up for ALAT on its app if you haven’t already
  • Sign in to ALAT on Mobile or the Web.
  • Navigate to the main menu and Tap on Cards
  • Click on ALAT Dollar Card
  • Click on Create a New Card
  • Then Fill in all required information to proceed and create your virtual dollar card.


wallets africa virtual dollar cards

Wallet.africa is another fintech in Nigeria that you can use to create virtual Dollar cards in Nigeria.

Wallet.africa has other features like instant account statements and physical cards. However, creating a physical Dollar card with a Wallet cost of N1,500.

To get a virtual dollar card on Wallet follow these steps:

  • Sign up for Wallet by downloading the Wallet Mobile App to create an account
  • Click on Cards
  • Tap on Create Your card
  • Then fund your virtual dollar card on Wallet.

PST Virtual Card

PST virtual card

PSTNET also offers reliable virtual dollar cards in Nigeria. These are Visa Platinum Credit cards, 3D-Secure support, and BIN quality monitoring system, along with 0% fees for approved and declined transactions, operations on blocked cards make it one of the best virtual payment card solutions for professional and personal purchases.


fundall virtual dollar card

Fundall is another platform that offers virtual dollar cards in Nigeria. The Fundall Virtual US Dollar Card is a prepaid dollar-denominated card that allows you to make payments and shop online anywhere in the world without restrictions and without the need to input your ATM card numbers.  

The Fundall app lets you easily generate multiple Virtual US Dollar Cards to make a one-off payment for ongoing transactions.

Creating a Virtual Dollar Card on your Fundall app is easy. Also, creating your first Virtual Dollar Card on the Fundall app is free.

To create a Fundall Virtual Dollar Card, follow these steps:

  • Sign up for Fundall by downloading the app and registering. If you have an existing Fundall account, just sign in to your account.
  • Tap on the Spend option.
  • Select the Cards option.
  • Then tap on  Add New card
  • Select the Virtual US Dollar Card option.
  • Customize your card by adding a label and your preferred billing address.
  • Fund your card with an amount as low as $5 by inputting the naira equivalent.
  • Then click on ‘Fund Card’ to complete your Fundall virtual card creation process.


Bitsika visa virtual dollar card

Bitsika is an app for easily sending and receiving money between Ghana and Nigeria. 

Your Bitsika wallet allows you to receive and transfer funds from your wallet to other Bitsika wallets, deposit and payout Cedis using MTN mobile money, AirtelTigo cash, and Vodafone cash, deposit and payout Naira using a debit card or bank transfer.

You can also buy and sell Bitcoin, BUSD (dollar stable-coin) and ABCD stablecoin using your Bitsika wallet.

Bitsika also allows you to create a virtual visa card as well. To get a Bitsika virtual visa card, you can install Bitsika on your phone by clicking here.



Eversend is a neobank in Africa, a mobile-only banking alternative where you can exchange, save, and send money instantly within and outside Africa.

Eversend also offers Virtual Dollar Master Cards in Nigeria for paying for things online.

You can also freeze and unfreeze your Eversend virtual card anytime as a protection against fraud.

Creating a Virtual dollar Card on Eversend is free. The minimum top-up on the dollar cards has been reduced from $5 to $1. However, the Monthly maintenance on the Eversend virtual dollar card is $1.

Eversend claims you can save up to 13% when you transact with their flexible, convenient, and secure virtual dollar cards.

Eversend is a fintech app that allows you to hold a multi-currency wallet.

This means you can hold and exchange six different currencies: GHC, KES, NGN, RWF, UGX & USD. You can also send money to mobile money or Eversend accounts in Ghana, Kenya, Rwanda, Nigeria & Uganda.

As well as create payment links that you can send to people for getting paid.

To get the Eversend virtual dollar card, follow these steps:

  • Sign up or Log in to the Eversend mobile app.
  • Navigate to Cards and Tap it
  • Then Tap on Create New Card
  • Enter the amount you would like the card to hold.
  • The minimum amount to create a card on Eversend is $5.
  • Enter your PIN to confirm the transaction.
  • Use the Add Money feature to fund the card.

Barter by Flutterwave

Barter is a Flutterwave product that launched in 2019. One of the biggest fintechs in Nigeria allows people to send and receive money from anywhere in the world.

Barter by Flutterwave provides virtual Dollar cards in Nigeria that are used for online shopping and paying for anything online anywhere in the world.

How to Get Barter by Flutterwave Virtual Dollar Card on Barter:

  • Sign up for Barter by downloading the Barter mobile app or by visiting the Flutterwave website.
  • Add your details and complete the KYC (Know-your-customer) and verification stage.
  • Add money to your Barter by Flutterwave account.
  • Click on “Create New Card”.
  • Go on to create either a multi-functional or a platform-specific card.
  • Fund your virtual Dollar card and start making payments online with ease.


fxkudi virtual dollar card

Another way you can get Virtual dollar cards in Nigeria is FXKUDI. FXKUDI users can send and receive money from anywhere with no charges.

To Create an FXKudi Virtual Dollar Card, follow the steps below:

  • Register for an  FXKudi account by visiting its official website or downloading the FXKudi app from Google Playstore or IOS app store.
  • Verify your account via the email you used to register.
  • Update your account with the necessary information.
  • Fund your account.
  • Create your FXKudi virtual Dollar card.

Note: Some companies’ virtual dollar card services might not work in Nigeria so there are alternatives in this guide if the one you use doesn’t work anymore

Best Free Virtual Naira Cards in Nigeria

Kuda Bank Virtual Card

kuda virtual card

Kuda Bank, one of the top digital banks in Nigeria also offers virtual cards too. Kuda Bank is a digital bank for all your banking needs.

The company also offers physical cards which they deliver for free to you. They also offer loans at some of the best interest rates.

Kuda Bank doesn’t charge for creating virtual cards on its app.

To create a virtual card on Kuda Bank follow these steps:

  • Open the Kuda app
  • Tap Card on the menu at the bottom of your screen.
  • Next, Choose to Request A Card.
  • Then, Tap Get A Virtual Card.
  • Confirm with your Kuda transaction PIN, fingerprint, or Face ID.

Gomoney Virtual Naira Master Card

Gomoney is another digital bank in Nigeria that lets you create a virtual card in Nigeria that can be used for both international and local payments. As well as for setting up recurring subscriptions like Netflix, Apple, etc.

With a goMoney account, you can create a virtual debit MasterCard from the gomoney app. Apple Music or Netflix by paying with your virtual naira card. 

To get a Gomoney virtual card sign up to the Gomoney app to create an account and you can now create a card.

Carbon Virtual Visa Card in Nigeria

Carbon was a digital lender that has now grown into one of the digital banks in Nigeria where you can create a bank account in Nigeria from your smartphone and start paying bills, transferring money, accessing instant loans and also enjoying high-interest savings. Carbon also provides virtual cards to its users from its app.

The Carbon Virtual Visa Card can be used at terminals, e-Commerce sites, Payment Gateways, Google Pay, Apple Pay and other offline channels where virtual cards are accepted.

First Bank Debit Virtual Visa Card

FirstBank Virtual Card is a Naira-denominated debit card that is linked to your First bank account or wallet account. You can get the First Bank virtual Card through the FirstMobile or FirstMonie Wallet apps.

However, the Virtual Card on the FirstMobile app is available both for local and international transactions, and the Virtual Card on the FirstMobile app is only available for local transactions.

Checkout: How to Check First Bank Account Balance

Both FirstMobile and FirstMonie Wallet apps are available on the Google Play store for Android and Apple Appstore.

However, it cost N200 to get the FirstBank virtual card in Nigeria.

GTB Mastercard Virtual Naira Card

While Gtbank doesn’t have a virtual dollar card in Nigeria, it does have a Naira virtual card powered by Mastercard you can use for local and international transactions.

The GTBank Naira Virtual card is designed for Gtbank customers who are frequently on online shopping sites, so they have a flexible alternative to physical payment cards.

The Gtbank virtual card is instantly issued after requesting via GTbank Internet Banking. The virtual card is also loaded through internet banking.

The Gtbank virtual card can also be converted to a physical debit card upon your request and the card is valid for 3 years.

To request for Gtbank Naira Virtual Card, follow these steps:

  • Log in to the Gtbank Internet Banking Platform
  • Choose Cards from the left-hand panel
  • Then click on the Virtual Card request menu and fill in the displayed form
  • Click the new “Request Button” to request for a new virtual Pre-paid Card
  • Select the Account to Debit for charges for your virtual card
  • Click on the ‘Account to link
  • Answer your secret question and click the ‘Continue’ button
  • The confirmation button will be displayed
  • Generate a 6-digit code from your hardware token device
  • Input the generated 6-digit token code on the confirmation page
  • Click the ‘Submit‘ button
  • Internet Banking will display the details of the Pre-paid card once your request is successful:- PAN (Card Number)- Expiry date- Activation Code- CVV

How to Get Virtual Dollar Cards in Nigeria

You can get a virtual dollar card in Nigeria by using any of the fintech apps mentioned above like;

  • ChipperCash
  • Flip by Flipcoins
  • Tribapay
  • Zed App
  • Tribay
  • Changera

Key Takeaways

Finding a virtual dollar card in Nigeria to use has never been easier, we recommend you have 2 to 3 different virtual dollar cards so that in case one is out of service you can use the other virtual dollar cards in Nigeria for making your international payments.

Leave a Reply

Your email address will not be published. Required fields are marked *