Top 7 Virtual Dollar Card Providers In Nigeria

Virtual Dollar Card Providers In Nigeria
Virtual Dollar Card Providers In Nigeria

Do you get frustrated trying to make online payments with your Nigerian debit card only to be blocked? Whether you want to subscribe to Apple Music, shop on Amazon, or buy a new app, it’s a constant struggle as many international platforms don’t accept naira cards. The hassle of getting a physical dollar card is no fun either.

As someone who frequently needs to make US dollar payments online, I understand your pain. That’s why I’ve researched the best virtual dollar card providers in Nigeria. A virtual dollar card lets you easily create a USD card right from your payment app to use anywhere that accepts US cards.

In this article, I’ll share my top 7 recommended virtual dollar card options for Nigerians based on fees, features, and ease of use. Having the right virtual card can unlock seamless online payments without any headaches. Let’s explore the best solutions together!

You don’t have to struggle to make online payments with your Nigerian debit card. Say goodbye to those restrictions with virtual dollar cards from top providers like Cardtonic, Payday, Chipper Cash, Fundall, GeePay, Vesti and Bitnob. 

1. Cardtonic:

With Cardtonic’s virtual dollar card, you get the best conversion rates when changing your naira to USD. Their user-friendly app makes it super easy to create your card in minutes. 

But Cardtonic offers way more than just virtual cards – it’s an all-in-one platform where you can trade gift cards, shop for gadgets, pay bills, and access other financial services. 

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They frequently run promotions that can also help you save more while shopping or when paying for services like Apple Music and more. 

Overall, Cardtonic gives you a seamless experience for all your online USD needs.

2. Payday:

Payday allows you to create a virtual dollar card and fund it directly from your Payday wallet at competitive exchange rates. There’s a $5 fee to create the card. 

Payday sets reasonable monthly spending limits of $3,000 for Visa and $10,000 for Mastercard to protect your money. 

The only limitation is that you can only have one virtual card per account. But it’s a secure way to make online USD payments.

3. Chipper Cash:

With over 1 million virtual cards issued, Chipper Cash is a popular choice. You’ll pay $3 to create your virtual USD card, plus $1 monthly for maintenance charges. 

The card works seamlessly for subscriptions on platforms like Netflix, Apple, and Spotify. Chipper Cash charges a fee if there are insufficient funds during a transaction. 

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But their app makes virtual card management easy with features like freezing/unfreezing cards.

4. Fundall:

Fundall is an all-in-one platform that enables you to access various financial services, including creating virtual dollar cards. You won’t be charged anything for your first virtual card creation, but subsequent cards cost $2 each.

To get started, you’ll need to fund your card with at least $5. Fundall’s virtual cards provide a secure way to make payments on international platforms like Amazon, Alibaba, and eBay.

It’s a convenient option for online shopping and transactions.

5. GeePay:

GeePay by Raenest is handy if you need to create USD, GBP, or EUR virtual cards. There’s a $3 issuance fee, and you must activate your card with at least $2. 

With GeePay, you can receive payments on platforms like Payoneer and PayPal that accept US bank accounts.

It also lets you automatically generate invoices and withdraw funds to bank accounts or mobile money in over 100 countries.

6. Vesti:

Vesti virtual cards work anywhere Visa is accepted on over 100 platforms and websites. 

To get started, you’ll need the equivalent of $10 in your local currency wallet and complete a KYC process. Vesti charges no fees beyond the initial $10 funding, making it a cost-effective option. 

You can view transactions, block compromised cards, and enjoy a $10,000 monthly spending limit, all from their user-friendly app.

7. Bitnob:

Bitnob provides a unique virtual dollar card solution that allows you to customize the look of your card by changing the colour, name and description. 

To create a Bitnob virtual card, you only need $1, and they charge $1 for top-ups under $100 or 1% for larger top-ups. 

You can fund your card up to $10,000 with a $1,000 maximum per top-up. Bitnob also facilitates Bitcoin payments and uses Lightning Network for fast, affordable transactions across 7 African countries.

Frequently Asked Questions About Virtual Card Providers In Nigeria

1. What Is A Virtual Dollar Card?

A virtual dollar card is a non-physical, digital card denominated in US dollars. You can generate it instantly from a payment app and load it with funds to make online payments and purchases anywhere that accepts USD cards.

2. Which Virtual Dollar Card Can I Use To Make Payments On AliExpress?

Most of the virtual dollar cards mentioned, including Cardtonic, Payday, Chipper Cash, and Vesti, can be used to pay on AliExpress and other major international e-commerce platforms.

3. What Is The Best USD Virtual Card In Nigeria? 

In my experience, Cardtonic offers the best all-around virtual dollar card experience in Nigeria with its low fees, top-notch conversion rates, and robust multi-service platform.

4. Which Bank In Nigeria Has A Virtual Dollar Card?

Wema Bank provides a virtual dollar card called ALAT that can be created and managed completely from their mobile app.

5. How Can I Get A Virtual Dollar Card On Cardtonic?

To get a Cardtonic virtual dollar card, you’ll need to download the Cardtonic app, sign up for an account, complete the KYC process, and you can then create your virtual Visa or Mastercard instantly for a $1.5 fee.


In our increasingly global digital world, virtual dollar cards have become an essential tool for Nigerians to seamlessly make international online payments and subscriptions. These cards eliminate the hassles of requiring a domiciliary account or physical dollar card.

After extensively researching the options, Cardtonic stands out as the top virtual dollar card provider in Nigeria for its competitive conversion rates, low fees, robust multi-service platform and overall user experience. 

However, providers like Payday, Chipper Cash, Fundall, GeePay, Vesti and Bitnob are also solid choices with their own unique strengths.

The “best” pick will depend on your specific needs, but one thing is clear – virtual dollar cards unlock a world of online shopping, payments and opportunities for Nigerians. 

With just a few taps, you can now maximize your money and access global products and services with ease.

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