In this article, l will share my top 18 recommended virtual dollar card options for Nigerians, based on their fees, features, and ease of use.
One challenge most Nigerians face is finding the perfect product online only to be blocked at checkout by a payment gateway because they’re paying with a naira debit card.
In 2024, with a virtual dollar card, you can conveniently pay for your Aliexpress goods, Spotify, Apple Music, Netflix, Facebook advertising, shop on Shein, and any other international platform that requires payment in USD. A virtual dollar card lets you easily create a USD card right on your phone and you can use these cards for purchases anywhere that accepts US cards.
Why do you need a virtual dollar card in Nigeria?
- Ease of Creation: One of the benefits of virtual dollar cards is that you don’t have to go to the bank and spend long hours on paperwork. You can create your virtual dollar card on your phone.
- No Transaction Limit: The Central Bank of Nigeria (CBN) restricts international transactions to $20. Virtual dollar cards allow you to make limitless daily transactions.
- Global Market Payment: Most international stores and service providers operate solely with USD, and Nigeria debit cards don’t support international dollar transactions.
Top 18 Virtual Dollar Cards That Work in Nigeria
1. GeegPay
GeegPay by Raenest is a fintech company catering to the day to day international transaction needs of freelancers, remote workers, entrepreneurs. GeegPay virtual dollar cards are prepaid virtual dollar cards that you can create instantly with just $1.
The GeegPay virtual dollar card works like the Nigeria traditional debit card, but they exist only in virtual form on the GeegPay app. They’re powered by Mastercard.
With GeePay, you can receive payments on platforms like Payoneer, Stripe, Deel and PayPal that accept US bank accounts. You can make purchases on different websites and platforms, sites like Amazon, Alibaba, Aliexpress, Netflix, Spotify, Apple Music, payment for school fees, IELTS, and many more.
How to create a GeegPay virtual dollar card
- Download the Geegpay app
- Sign up for free and complete your verification
- Log in to the Geegpay app
- Select “Cards” on the Dashboard
- Tap “Create New” to create a card
- Choose a color and name to personalize your card
- Fund your card with a minimum of $2
- Pay the $1one-off card creation fee
2. SwyftPay
SwyftPay is a mobile payment app that allows users to send and receive money in any form and anywhere.
SwyftPay users have made payment on over 800 merchant websites globally from January to June, 2024. These merchant websites include Twitter, Distrokid, PrimeVideo, Netflix and others.
How to create your SwyftPay Virtual Dollar Card
- Sign up on the Swyft App
- Upgrade your account to Tier 1 by verifying your KYC (you’ll need a valid ID or NIN)Your account will be upgraded in less than 3 hrs.
- Request for a Virtual Dollar Account
- Request for a Virtual Dollar Account
- Fund your Dollar account with $13 ($3 for card creation fee, $10 for minimum funding)
- Click on Virtual Cards tab then click on “New +” button
- Select your preferred Card (MasterCard or VisaCard)
- Enter minimum funding fee ($10)
- Click on “Continue”
SwftPay Pricing
- SwyftPay creation fee is $1
- Zero card maintenance fee
- For payments in currencies other than USD, the fee is 3%
- Card termination fee is $1
- Fee for failed transactions due to insufficient funds on the SwyftPay card is $0.30.
3. Alat by Wema Virtual Dollar Card
The Alat by Wema virtual dollar card is a prepaid card that can be used to purchase goods and services on all websites and applications that accept mastercard or visa dollar cards.
How to create Alat by Wema Virtual Dollar Card
- Login to the Alat app on mobile or web
- Select cards on the main menu
- Click on “Alat Dollar Card”
- Fill in all the required information
4. ChipperCash
With over 1 million virtual cards issued, Chipper Cash is a popular choice amongst consumers. Their virtual dollar card feature has grown to become one of the most popular and widely used on the app.
The card works seamlessly for subscriptions on platforms like Netflix, Apple, and Spotify.
ChipperCash pricing
- ChipperCash charges a $10 card creation fee
- $2 monthly card maintenance fee
- Fee for failed transactions due to insufficient funds on the ChipperCash card is 500 naira
5. Blockroll
Blockroll streamlines payroll and global gig payments, connects recruiters to vetted talents, and offers innovative payment processing solutions. Blockroll virtual dollar card works on all online platforms.
Blockroll pricing
- You’ll need to have atleast $5 on your USD wallet to create a card, although they’ll only charge you $3 and the remaining $2 will be available on your card for use anytime.
- Zero maintenance or transaction fees
- The Blockroll Limitless Card comes with a 2-year validity period.
How to create a Blockroll dollar card
- Visit the Blockroll website
- Submit your personal details for KYC Verification and once verified (usually tasks less than 10 minutes if done correctly).
- Top up your Naira balance via the Blockroll-issued 9Payment Service Bank account and convert your Naira to dollars.
- Visit the Card section and click the button to create your Limitless Card and within a minute, you’ll get your card for all online purchases.
6. Eversend
Eversend is a FinTech startup providing cross border money transfer, currency exchange, and multicurrency wallets. The Eversend virtual dollar card are denominated in US dollars and can be used to pay for online purchases like Netflix, Amazon, Meta and X (Twitter) ads, among others.
Eversend pricing
- Zero card creation fee
- $1 monthly card maintenance fee
- You need a total of $2 to create a card.
7. Yangaplug
Yangaplug provides a variety of services, including airtime and data top-up, electricity and cable TV subscription, virtual dollar card for online payments and transactions, and the opportunity to earn money by completing tasks or making task orders. The Yangaplug virtual dollar card allows users to get virtual visa or mastercard for international transaction
Yangaplug pricing
- $2 card creation fee
- Zero maintenance, funding or transaction fee aftermath
8. Cardtonic
Cardtonic is a digital exchange platform that has been operational since 2016. With Cardtonic, you can buy and sell gift cards, pay bills and buy gadgets. The Cardtonic virtual dollar card boasts of having the best naira to USD conversion rate.
Cardtonic charges $2 for card creation.
9. Aladdin
Aladdin is Africa’s first marketplace digital bank, seamlessly combining banking and commerce.
The Aladdin Virtual USD Card works seamlessly for all your online USD payments, including Spotify, Facebook Ads, Google Ads, Amazon, AliExpress, Udemy, and more.
The Aladdin virtual dollar card promises:
- $2 card creation fee
- Zero monthly maintenance fee
- Competitive Rates
- Instant Conversion
- Cross Border Payment
- $5,000 Funding Limit
- $10,000 Monthly Spending Limit
10. Zole App
Zole is enabling immigrants and businesses to move money internationally at the speed of the internet.
The Zole virtual dollar card promises:
- $2 card creation fee
- A customizable card: You get a color range of cards to pick from. Pink, Blue, Green, Purple.
11. Fundall
Fundall is an all-in-one platform that enables you to access various financial services, including creating virtual dollar cards. Fundall charges $0 card creation fee for first-time users, but subsequent cards cost $2 each.
12. 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.
Bitnob virtual dollar card creation costs $1, as well as card top-up. The minimum amount to fund your virtual card is $3, which is spendable by you. Altogether, you are required to have up to $5 in your USD wallet to create a Bitnob virtual card.
13. Vesti
The Vesti virtual dollar card is a prepaid card that can be used to carry out online transactions on over 400 plus websites and applications.
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.
14. Dantown
Dantown is a fintech company that solves payment problems using cryptocurrencies. With the Dantown virtual dollar card, you can shop and pay bills on different international platforms.
Dantown pricing
- $1 card creation fee
- $0 funding fee
- Seamless transactions with a flat $1 monthly maintenance fee
15. SekiApp
With the SekiApp virtual dollar card, users can eliminate the hassle of physical cards and unreliable payment options.
The SekiApp virtual dollar card promises:
- $2 card creation fee
- Users can choose between a Mastercard, Visa card, or both.
- Access to 26 card funding options.
16. Wirepay
Wirepay is an all-in-one finance for everyday users needs. The Wirepay virtual dollar card allows you to send and receive money within Africa using fiat.
Creating a Wirepay virtual dollar card cost $2
17. Squareme
Squareme is a social payment platform that allows users send, receive, and request payment using just their mobile number. Creating a Squareme virtual dollar card cost $2, and their minimum card top up is $10.
18. Cleva
Cleva Banking aspires to be the best banking platform for freelancers and remote workers around the world to effectively manage their finances.
Cleva Virtual dollar card pricing
- Card creation fee is $3, where $1 will be added to the card and available for use.
- $0.30 card decline fee
- 3% international transaction fee
Frequently Asked Questions About Virtual Dollar Cards in Nigeria
1.Which virtual dollar card can I use to make payment on AliExpress?
All the virtual dollar cards listed above can be used to make payments on Aliexpress and other international e-commerce sites.
2. Does Kuda have a virtual dollar card?
No. Kuda bank virtual card only supports local transactions, it doesn’t for USD transactions. It works for Netflix, Amazon prime video, Spotify, Showmax subscriptions, and other local platforms only.
3. What’s the best virtual dollar card in Nigeria?
This article will help you make an informed decision on the best virtual dollar card in Nigeria.
4. Does Opay have a virtual dollar card?
No, they don’t.
Virtual dollar cards are excellent for online payments, as they allow unrestricted purchases of your favorite products.
