Best Virtual Dollar Card Providers in Nigeria in 2023

Best Virtual Dollar Card Providers in Nigeria
Best Virtual Dollar Card Providers in Nigeria

In Nigeria, you can purchase a virtual dollar card or naira card. However, as that is the subject of this article, we shall concentrate mostly on the best virtual dollar cards in Nigeria.

It might be difficult to conduct online business in Nigeria, pay for subscriptions, or conduct regular digital transactions from Nigeria, especially when using foreign platforms like Facebook, Alibaba, AliExpress, Amazon, Netflix, etc.

Typically, consumers in Nigeria make these payments using their Master or Visa Credit or Debit Cards; however, occasionally, these cards are either not accepted or have limitations.

Virtual dollar cards are a convenient and secure way to make online transactions, especially for individuals in Nigeria who frequently engage in international commerce. These cards allow users to purchase in foreign currencies without needing a physical card.

In today’s interconnected world, conducting online international transactions has become an integral part of our lives.

Whether you’re making payments on popular platforms like Apple Music, Facebook, or Amazon, or engaging in cross-border trading, having a reliable and secure payment method is crucial. This is where virtual dollar cards come into play, revolutionizing how we conduct online transactions.

You’ll undoubtedly find one that meets your needs because several fintech companies in Nigeria sell virtual dollar cards. In Nigeria, if you’d want, you can have several virtual dollar cards. By reading on, discover the top websites in Nigeria for a virtual dollar card.

This article will explore the 21 best virtual dollar card providers in Nigeria in 2023, ensuring you have the information needed to make an informed decision.

Table of Contents

What Is A Virtual Dollar Card?

A virtual dollar card is a digital payment solution that allows users to make online purchases securely. It functions similarly to a physical debit or credit card but with the added advantage of being virtual.

Unlike traditional payment cards, virtual dollar cards are not physical objects that you can hold in your hand. Instead, they exist purely in the digital realm, represented by numbers and other relevant card details.

When you obtain a virtual dollar card, you receive a unique card number, expiry date, and CVV (Card Verification Value) code. These details can be used to make online payments at any merchant that accepts card payments. A financial institution or an online payment service provider typically issues a virtual dollar card.

The card details are securely transmitted to the merchant when you initiate a virtual dollar card transaction. The merchant then processes the payment, deducting the purchase amount from the available funds on your card.

Virtual dollar cards can be either prepaid or linked to your bank account or credit line, depending on the provider and the type of card you choose.

Factors to Consider When Choosing a Virtual Dollar Card

While the top virtual dollar cards mentioned above are excellent options, it is essential to consider your specific requirements before making a decision. Here are some factors to keep in mind when choosing a virtual dollar card:

  1. Card Fees: Evaluate the monthly or annual fees associated with the virtual dollar card to ensure they align with your budget.
  2. Exchange Rates: Compare the exchange rates offered by different providers to find the most favorable rates for your transactions.
  3. Transaction Limits: Consider the daily transaction limits imposed by the virtual dollar card provider to ensure they meet your requirements.
  4. Additional Features: Assess any additional features offered by the virtual dollar card, such as cashback rewards, virtual card lock/unlock, or fraud protection.

By considering these factors and conducting thorough research, you can select the virtual dollar card that best suits your needs and preferences.

Which Virtual Dollar Card is Best in Nigeria?

Trade Cryptocurrency on TransferXO

When it comes to virtual dollar cards in Nigeria, one name that stands out is TransferXO.

TransferXO is a leading provider of virtual dollar cards in Nigeria, offering a range of features and services tailored to meet the needs of its users.

With its user-friendly interface, seamless transactions, and competitive rates, TransferXO has garnered attention as a reliable option for virtual dollar card services.

But is TransferXO the best virtual dollar card in Nigeria? Let’s dive deeper into its offerings to assess its claim as the best virtual dollar card in Nigeria.

To begin using TransferXO, users can simply sign up on their platform by providing the required information. The registration process is quick and straightforward, allowing users to get started with their virtual dollar card in no time.

TransferXO provides instant issuance of virtual dollar cards upon successful registration. This means users can access their card details immediately and start making online payments and transactions without any delay.

One of the primary concerns when using virtual dollar cards is the security of transactions. TransferXO takes this aspect seriously by implementing robust security measures and encryption protocols to safeguard user information and ensure secure transactions.

TransferXO virtual debit cards are widely accepted globally, making them convenient for individuals and businesses with international payment needs. Whether you’re shopping online, paying for services, or conducting business transactions, TransferXO enables you to make seamless payments across borders.

Another factor that sets TransferXO apart is its competitive exchange rates. By offering favorable rates for currency conversions, TransferXO allows users to make the most out of their virtual dollar card and save on transaction costs.

TransferXO supports multiple currencies, allowing users to transact in various currencies as per their requirements. This feature makes it an ideal choice for individuals or businesses involved in global trade or frequent international transactions.

How Can I Get a Virtual Dollar Card in Nigeria?

TransferXO simplifies the process of obtaining a virtual dollar card in Nigeria. Here is a comprehensive guide to help you get started:

Step 1: Sign Up on TransferXO

To begin, visit the TransferXO website and sign up for an account. Provide the required information, including your name, email address, and phone number. Ensure your details are accurate to avoid any complications during the verification process.

Step 2: Complete the Verification Process

After signing up, TransferXO will initiate a verification process to confirm your identity. This step is crucial for security purposes and to comply with regulatory requirements.

Follow the instructions provided and submit the necessary documents, such as a valid identification card, proof of address, and any additional information required.

Step 3: Fund Your TransferXO Account

Once your account is verified, it’s time to fund your TransferXO account. You can do this by linking a bank account, transferring funds from a cryptocurrency wallet, or using a credit or debit card.

Choose the option that suits you best and follow the instructions to transfer funds to your TransferXO account.

Step 4: Order Your Virtual Dollar Card

With your TransferXO account funded, you can now order your virtual dollar card.

Navigate to the appropriate section within your TransferXO account dashboard and follow the on-screen instructions to initiate the card creation process.

Provide the necessary details, such as card type, currency (USD), and any additional preferences you may have.

Step 5: Activate Your Virtual Dollar Card

Once your virtual dollar card is created, TransferXO will provide you with the necessary details, such as the card number, expiration date, and CVV code.

Take note of this information and follow the instructions provided to activate your virtual dollar card. Activation typically involves making a small test transaction to verify the card’s functionality.

Step 6: Start Using Your Virtual Dollar Card

Congratulations! You now have a virtual dollar card in Nigeria on TransferXO. You can start using it for online purchases, subscriptions, or any other transactions that accept virtual cards.

Ensure that you keep your card details secure and follow best practices to safeguard your financial information.

21 Best Virtual Dollar Card Providers in Nigeria in 2023

#1. TransferXO

TransferXO has quickly gained prominence as a leading provider of virtual dollar cards in Nigeria. Its commitment to innovation, user satisfaction, and competitive services has set it apart from other players in the market.

With a growing customer base and positive reviews, TransferXO has become the go-to choice for individuals and businesses seeking reliable and efficient cross-border payment solutions.

TransferXO employs robust security measures to protect user data and ensure secure transactions. Advanced encryption techniques, multi-factor authentication, and real-time fraud monitoring provide a safe and reliable financial environment. With TransferXO, you can trust that your information and transactions are in good hands.

TransferXO’s platform features a user-friendly interface designed to provide a seamless experience. The intuitive layout and navigation make it easy for users to access essential features, manage their virtual dollar cards, and perform necessary financial tasks without any hassle.

TransferXO offers competitive exchange rates, ensuring that users get the most value for their money when making international transactions. By minimizing hidden fees and providing transparent pricing, TransferXO stands out as a cost-effective option compared to traditional banking methods.

#2. Chipper Cash: Seamlessly Transact Globally

Chipper Cash has emerged as a leader in providing virtual dollar cards in Nigeria that enable seamless online international transactions.

By funding a Chipper Cash Visa virtual dollar card from your Chipper wallet, you gain access to a convenient and secure payment method. Like physical credit or debit cards, Chipper Cash virtual dollar cards allow you to easily pay.

With a maximum daily withdrawal limit of $1,000, Chipper Cash ensures that your financial transactions remain flexible.

Moreover, there are no limits on the total withdrawal from the card, providing you with complete control over your funds.

With a daily funding limit of $1,000 and a maximum monthly withdrawal limit of $5,000, Chipper Cash offers a reliable and efficient solution for international transactions. Rest assured, Chipper Cash is a legitimate platform you can trust.

#3. CashBuddy: Empowering Payments in Africa

CashBuddy is another prominent provider of virtual dollar cards that caters to the African market. With a CashBuddy virtual dollar card, you can make payments on platforms such as Apple Music, Facebook, Amazon, Instagram, and Skrill, opening up a world of possibilities for online transactions in Africa.

Obtaining a CashBuddy virtual dollar card incurs a nominal fee of $3, but the subsequent transactions are free. With a maximum funding limit of $10,000, both daily and monthly, CashBuddy ensures that you have the necessary resources to engage in international transactions effortlessly.

#4. FluidCoins’ Flip: Cryptocurrency Meets Convenience

Flip by FluidCoins presents a unique offering in the form of a crypto payment platform that facilitates convenient money transfers. By utilizing the virtual dollar cards supported by cryptocurrency on the FluidCoins platform, users can send, receive, save, and grow their Stablecoin yields seamlessly.

To access the benefits of Flip, users need to download the Flip App and create a virtual dollar card. Each Flip virtual dollar card transaction is subject to a $1,500 limit, ensuring secure and controlled payments.

#5. Payday: Empowering International Payments

Payday is a platform that excels in enabling instant international payments. With its virtual dollar card, users can make purchases and payments online conveniently. Additionally, Payday offers the opportunity to open foreign accounts in US dollars, British pounds, and euros at no cost.

Unlike other platforms, Payday does not impose any funding or withdrawal limits on its virtual dollar card, giving users complete freedom and flexibility. Reviews of the Payday virtual dollar card highlight its effectiveness and user-friendly features, making it an excellent choice for virtual card users.

#6. Fundall: Breaking Cross-Border Restrictions

Fundall emerges as a virtual dollar card provider in Nigeria, offering a dollar-denominated card that facilitates international payments without cross-border restrictions. Users can engage in hassle-free international transactions by creating a virtual dollar card on the Fundall app.

The initial creation of a virtual dollar card on Fundall is free of charge, allowing users to experience the platform’s capabilities without any financial commitment. Additionally, Fundall offers the flexibility to generate multiple virtual dollar cards, catering to the diverse needs of its users.

Recently, Fundall introduced a virtual dollar card in Nigeria to enhance the online spending experience. The first card comes free of charge, with a minimum load requirement of $5.

To start using the virtual card, simply fund your account with as low as $5, equivalent in naira, and unlock a world of international payment possibilities.

#7. Bitsika: Seamless Cross-Border Transfers

Bitsika, an app available in Nigeria and several French-speaking African countries, revolutionizes the way money is sent and received. With support for naira, cedis, CFA francs, and multiple cryptocurrencies including bitcoin, Bitsika enables users to transact in different currencies.

Bitsika has emerged as a reliable payment platform that facilitates money transfers between Ghana and Nigeria. By creating a Bitsika account, users gain access to a Bitsika wallet that enables them to send and receive money within Ghana and extend their transactions to Nigeria.

Bitsika’s virtual dollar card is integral to its offering, empowering users to make transactions effortlessly. To embark on this digital payment journey, download the Bitsika app and start.

To facilitate online spending, Bitsika offers a virtual Visa debit card. However, it’s important to note that this convenience comes with an 8% fee.

#8. Carbon: Transforming Digital Banking

Once known as a digital lender, Carbon has transformed into one of the leading digital banks in Nigeria, offering a comprehensive range of services.

Users can leverage Carbon’s virtual dollar cards to make payments on international trading platforms and other offline channels supporting virtual dollar cards.

The platform’s versatility extends to providing instant loans, money transfers, and bill payments.

With Carbon’s virtual dollar card, users can transact without worrying about funding or withdrawal limits. This freedom allows users to utilize the virtual card according to their discretion.

Positive reviews of the Getcarbon virtual card further cement its status as an excellent choice for local and international payments.

#9. Eyowo: Empowering Financial Freedom

Eyowo operates as a fintech company, often referred to as a digital bank, enabling customers to send and receive money and make bill payments using their phone numbers.

Eyowo distinguishes itself by offering access to physical cash without relying on traditional ATM cards.

In addition to its various services, Eyowo provides a virtual dollar card that can be obtained for as low as $1. Users enjoy the freedom of no funding limits, ensuring a seamless and hassle-free experience with their Eyowo virtual dollar card.

#10. ALAT By Wema: Empowering International Purchases

ALAT virtual dollar card is a digitized card offered by ALAT, a digital platform regulated by Wema Bank. The ALAT virtual dollar card allows users to make purchases on international trading platforms such as Facebook, Amazon, and Shopify.

Offering a comprehensive banking package, ALAT provides a range of services, including bank accounts, physical debit cards, savings accounts, and loans.

Among its offerings is an exceptional virtual dollar card, highly regarded in Nigeria. Once you set up and fund your ALAT account, you can load your virtual card directly from your naira balance, allowing you to hold up to $20,000.

Should you require it, you can convert your dollars back into naira. However, it’s worth mentioning that this card cannot be used on money transfer websites and is incompatible with 3D Secure.

Creating an ALAT virtual dollar card is free, and users can fund their card with up to $20,000 directly from their naira account. Should the need arise, users can also easily convert their dollars back to naira effortlessly.

#11. Gomoney: Streamlined International Payments

Gomoney serves as a payment platform that facilitates peer-to-peer (P2P) payments and third-party services. With Gomoney, users can easily make international payments, ensuring a seamless transaction experience.

To obtain a Gomoney virtual dollar card, users need to upgrade their account to tier 2. This upgrade unlocks the ability to make online payments, both locally and internationally.

The limits of the virtual dollar card depend on the tier level of the Gomoney account, making it essential for new users to familiarize themselves with the Gomoney virtual card review.

#12. Mintyn Bank: Shopping Across Borders

Mintyn Digital Bank offers a range of products and services that mirror traditional banking solutions. One such product is the virtual dollar card, enabling users to shop for various products worldwide.

Mintyn’s virtual dollar card enables seamless money transfers while allowing users to leverage international platforms like Facebook, Netflix, Amazon, and Apple Music. To access the benefits of the virtual dollar card, users need to fund their Mintyn account.

#13. Wallets Africa: Convenience in Your Pocket

Wallets Africa, a Nigerian startup, introduces a digital wallet solution equipped with both virtual and physical naira and dollar Visa cards issued by UBA.

Wallets Africa is a platform that provides virtual and physical cards in naira and dollar denominations. For travelers seeking an alternative to physical cards, Wallets Africa’s virtual dollar card offers a secure and convenient solution.

The advantage of Wallets Africa lies in its versatility, as it enables transactions in dollars and other currencies, making it an ideal choice for travelers.

However, this convenience comes at a price. Using the virtual dollar card is straightforward and comes with a monthly maintenance fee of $1. Wallets Africa also charges a fee of $0.75 for foreign transactions and a 2% fee for funding the virtual card from an external account.

#14. Changera: Simplifying Online Payments

Changera serves as a versatile payment platform, catering to various needs with its array of products and services, including virtual dollar cards.

Changera customers can use these cards for seamless online payments on any global trading platform, with the added benefit of low transaction fees.

Users with a free plan can create virtual dollar cards for their payment and transaction needs. Changera’s commitment to providing options ensures that users can tailor their experience according to their preferences.

#15. Kuda: Simplified Money Transfers

As a prominent Nigerian digital bank, Kuda facilitates swift payment processes across the country. Offering a virtual dollar card as one of its products, Kuda empowers users to send and receive money in US dollars without the need for a domiciliary account at traditional banks.

Accessing the Kuda virtual dollar card is simple through its user-friendly mobile app. By leveraging this virtual card, users can embrace seamless international transactions, streamlining their financial operations.

#16. Barter By Flutterwave: A World of Possibilities

The renowned payment platform Flutterwave has introduced the Barter app, allowing users to enjoy fast money transfers and an array of services. With Barter, users can purchase cryptocurrencies, initiate money transfers, and more. The platform grants users access to a virtual dollar card once their account is funded.

To create a Barter virtual dollar card, users need a minimum balance of $5 in their account. Each virtual card costs $2, with a monthly fee of $1 to keep the card active.

In the world of digital payments and online transactions, Barter by Flutterwave emerges as a powerful app designed to provide seamless money transfers and transactions.

#17. Eversend Virtual Dollar Card

Founded in Uganda, Eversend is a startup that has expanded its services to multiple African countries, including Nigeria. Eversend offers a multi-currency account, allowing users to manage various currencies conveniently.

You can create a virtual dollar debit card by linking a payment card to your Eversend account, enabling seamless online payments. The virtual card incurs a $1 creation fee, a $1 monthly fee and a 2% currency conversion fee when charging the card.

Frequently Asked Questions (FAQs)

What are the fees associated with virtual dollar cards?

The fees associated with virtual dollar cards vary depending on the provider. Some common fees include issuance, transaction, currency conversion, and inactivity fees. Reviewing the fee structure before obtaining a virtual dollar card to understand the costs involved is essential.

Can I use a virtual dollar card for recurring payments?

Yes, virtual dollar cards can be used for recurring payments. Many providers offer the option to link your virtual card to subscription services or automatic bill payments, making it convenient to manage your recurring expenses.

Are virtual dollar cards accepted everywhere?

Virtual dollar cards are widely accepted by online merchants worldwide. However, checking if a particular merchant accepts virtual dollar card payments before purchasing is always a good idea.

How do I check the balance of my virtual dollar card?

Most virtual dollar card providers offer online account management tools or mobile apps that allow you to check your card balance and transaction history. Some providers also provide SMS or email notifications for each transaction, keeping you informed about your card activity.

Can I get a refund on a purchase made with a virtual dollar card?

Yes, you can get a refund on a purchase made with a virtual dollar card. The refund process is usually similar to that of traditional payment cards. You may need to provide the merchant with the necessary details of the transaction, and the refund amount will be credited back to your virtual dollar card.

Are virtual dollar cards safe to use?

Virtual dollar cards are designed with security in mind. They employ encryption and other security measures to protect your card details during transactions. However, choosing a reputable provider and following recommended security practices, such as keeping your card details confidential and regularly monitoring your card activity, is crucial.

How do I load funds onto my TransferXO virtual dollar card?

Loading funds onto your TransferXO virtual dollar card is simple. Once you have registered and activated your card, you can transfer funds from your linked bank account or use supported payment methods to add funds to your card balance.

Can I use my TransferXO virtual dollar card for online purchases?

Absolutely! TransferXO virtual dollar cards are designed for online transactions, allowing you to make purchases from websites worldwide that accept Visa or Mastercard payments.

Is TransferXO available for business accounts?

Yes, TransferXO offers services for both personal and business accounts. Business account holders can benefit from additional features and tailored solutions to meet their specific financial needs.


As the digital payment landscape evolves, these virtual dollar card providers offer individuals and businesses in Nigeria the opportunity to transact online securely and efficiently.

With each platform presenting its unique features, users can choose the option that best aligns with their needs and preferences.

In conclusion, virtual dollar cards present a valuable solution for Nigerians seeking to navigate the complexities of online payments.

With enhanced accessibility, convenience on the go, increased security, and cost-effectiveness, these cards empower individuals to overcome barriers and enjoy seamless digital transactions.

By embracing the power of virtual dollar cards, Nigerians can unlock a world of possibilities in online shopping, subscriptions, and digital payments. It’s time to embrace the future of payment solutions – it’s time for virtual dollar cards in Nigeria.

Whether it’s Barter by Flutterwave, ALAT, Wallets Africa, Eversend, Bitsika, Fundall, or Mintyn, these virtual dollar cards pave the way for a streamlined digital payment experience in Nigeria.

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