17 Cheapest & Best Virtual Dollar Cards in Nigeria 2023

Last Updated on September 20, 2023

You’re all set to snag those irresistible deals on your favourite international websites and online stores, maybe it’s that new gadget on Amazon, a stylish outfit on Aliexpress, that online course to take your career to a new level, or even a subscription to binge-watch the latest shows on Netflix. You eagerly reach for your trusty debit or credit card, only to discover it’s either not accepted or laden with restrictions for these transactions. Frustrating, right? Enter the heroes of online spending for Nigerians – virtual dollar cards in Nigeria.

Specifically tailored for making payments online, these nifty virtual cards open up a world of possibilities for hassle-free international payments. Now, you might be thinking, “But I need a domiciliary account for that, right?” Not necessarily.

In Nigeria, virtual dollar cards have swiftly become the go-to solution for these scenarios. No more sifting through bank paperwork, no more minimum deposit demands. These digital wonders can be yours in mere minutes, all thanks to innovative fintech companies.

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So fasten your seatbelt, as we take you through the world of the cheapest and best virtual dollar cards in Nigeria. Whether you need just one or a whole collection, we’ve got you covered. Let’s dive into this guide and discover the virtual dollar card that suits your online shopping adventures perfectly.

Best & Cheapest Virtual Dollar Cards in Nigeria 2023

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

1. Flip by FluidCoins

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.

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2. Changera by Bitmama

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 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 through a bank transfer.

Changera is a product of Bitmama.io.

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3. Sats App Virtual 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

4. 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.

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5. Zed App Virtual 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 as well as make very fast and secure payments on both local and international platforms with your Zed virtual dollar card.

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6. Tribapay Virtual Card

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.

7. 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.

8. 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 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.

9. Wallet.Africa Virtual Dollar Card

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 Kuda Bank.

10. Chipper Cash Visa Virtual Dollar Card

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 absolutely free to acquire.

The Card can be used online 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

11. PST Virtual Card

Looking for reliable USD cards? PSTNET has your back! 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.

12. Fundall

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.
• Customise 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.

13. Eyowo

Eyowo is another great platform for creating virtual dollar cards in Nigeria. 

Eyowo is a reliable financial technology company that allows you to make payments, pay bills and receive money with just your phone number. You are also entitled to a “cardless ATM withdrawal” service if you use Eyowo. This allows you to access physical cash without your ATM card.

Eyowo allows you to fund your virtual Dollar card with as low as 1 dollar.

Get a Virtual Dollar Card on Eyowo by following these steps: 

• Sign in to the Eyowo mobile app (Download it if you haven’t)
• Navigate to the dashboard and Tap on “More” 
• Then Tap on “Eyowo dollar cards”
• Click “Create Card” 
• You can now Fund your virtual card.

14. Bitsika Virtual Visa 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.

15. Eversend Virtual Dollar Card

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.

16. Barter by Flutterwave Virtual Dollar Cards (Suspended)

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.

17. FXKudi

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

1. Kuda Bank 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 too.

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 Request A Card.
• Then, Tap Get A Virtual Card.
• Confirm with your Kuda transaction PIN, fingerprint or Face ID.

2. 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.

3. 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.

4. 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 Firstmonie app is only available for only local transactions.

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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.

5. GTB Mastercard Virtual Naira Card

While Gtbank doesn’t have a Dollar virtual card, 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 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