Do you want to create virtual dollar account for your online transaction, or you just want to know the cheapest virtual dollar card in Nigeria that you can easily get, fund it and use it to perform financial transactions online in 2023?
A virtual dollar card is a prepaid card that you can add cash to and use it to purchase goods and services on all websites and applications that accepts master card, or VISA dollar cards.
That is, virtual card is a digital card that allows users to make seamless online payments without any restrictions.
Many Nigerians have been having serious issues in terms of making payment online since central bank of Nigeria restricted the use of naira debit cards to $20 per month for international transactions.
Later on, they restricted all international transcriptions to only dollar cards issued by local banks.
This has caused problems and hardship for those who had to make payments online, and with the help of virtual card which am about to show you now, you can easily pay for anything on sites like;
eBay, Facebook, Aliexpress, pay for streaming services like Netflix, Amazon prime and Spotify etc.
Facts about virtual dollar cards, you must know
- It can only be used for online transactions, that is you can’t use it to make payment either to withdraw cash from ATM or make payment in physical store.
- A virtual dollar card is made with an automatically generated 16-digit numbers that masks the real card number it’s connected to.
- You can spend up to $10,000 using your virtual card which is impossible when you use your normal debit card.
- No need of going to bank to apply for ATM card, you can simply get a virtual card from the comfort of your home through some apps or website on your smartphone.
- Virtual card add extra security, greater control and more benefits when performing online transactions.
- Virtual dollar card works as a prepaid cards that you have to load from a naira account or card before using.
Best virtual dollar card in Nigeria (Cheapest in 2024)
Here, am going to show you some best and cheapest virtual dollar cards for buying and paying for stuffs online.
However, many fintech companies in Nigeria suspended their operation of Virtual dollar cards in Nigeria.
Eversend, Klasha, and Busha, do no longer issue virtual dollar card yet some companies virtual dollar card services still works in Nigeria which means i am going to show you the latest virtual dollar cards that works in Nigeria at cheap rate.
1.) Virtual PSTNET Card
PST NET virtual card is a reliable and convenient virtual payment cards pay for goods, services around the world and advertising.
Simple registration (you can use a Google or Telegram account), the first card is available without documents (for removing limits on issuance and replenishment, simple verification).
- Commission for replenishing the card from 2%
- No transaction fees
- No commission for withdrawing funds from the card
- No fees for declined payments
- No commission for operations with blocked cards.
Convenient deposit methods (USDT TRC-20/BTC, Visa/Mastercard, Sepa/Swift bank transfers), withdrawal available.
Several types of cards for different purposes with different conditions, there are cards with 3D-Secure (confirmation of operations by code from SMS, codes come to your personal account and telegram bot).
The largest number of premium BINs (US and European banks, 25+ BINs).
Now there is a PST Private program (pst.net/private) for teams and those who work solo with high turnover (up to 100 cards for free, then cards for $1 and a commission for replenishment of 2%).
2. Payday virtual card
The best and cheapest virtual dollar card in Nigeria with best dollar exchange rate is payday.
Payday is a fintech company with headquarters in Canada and Rwanda which help people to send and receive money globally.
However, it is the simplest way for Africans to receive and send payments to and from anywhere in the world.
With Payday, you get a wallet that can accept international transfers and a virtual card to spend anywhere you wish. No limitations exist with Payday.
Setting up a card on Payday is FREE!. The cards can be used for transactions anywhere in the world, and come with a monthly spending limit of $120,000.
When you open an Account, they may ask for your name, address, date of birth, and other information that will allow them to identify you. They may ask for your BVN and selfie too this will help to prevent impersonation and keep you safe.
Payday virtual dollar card allow you to shop anywhere master cards are accepted. You can also open USD, GBP and EUR account for free.
The major reason why I like payday is that they do not over charge, you have control over your budget that is, you can limit your spending by only using the amount you send to your card.
You can download their application on google play store and app store.
3. Chipper cash visa virtual dollar card
The top virtual dollar card in my list is the chipper cash USD VISA card, it have high limits and works on most international websites including PayPal, aliexpress, Namecheap etc.
They do not charge any fees to add or withdraw funds from your Chipper Card.
The Chipper USD Virtual Card is a pre-funded and reloadable virtual card that can be used for international online transactions.
The 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.
The major reason why I choose his as the best virtual dollar card in Nigeria is the fact that it’s 3D secured.
That is, the Chipper Cards(USD and NGN) have been programmed for 3D secured authentication.
You can only spend the amount you loaded into the card which means it will help you limit spending, and it works anywhere VISA cards are accepted.
What are the Chipper USD Virtual Card Funding, Spending, and Withdrawal Limits?
- Maximum Daily Spend Limit – $1000
- Maximum Daily Funding Limit – $1000 (24 Hours)
- Maximum Monthly Spend Limit – $5000
- Maximum Monthly Funding Limit – $5000
- Maximum Quarterly Funding Limit – $5000
- Maximum Withdrawal – $1000 daily
4. ALAT virtual dollar card
Without any doubt, ALAT by WEMA is one of the top online banking platform in Nigeria, which issues both physical and virtual cards.
The ALAT Virtual Dollar Card is one of the very few Virtual dollar card services in Nigeria that allows you to make seamless payments online without being affected by ever-fluctuating exchange rates or Naira debit card limits which can affect how you make payments.
This Card is a prepaid card and can be used to purchase goods and services on all websites including; AliExpress and applications that accept master card or visa dollar cards.
How to get ALAT Virtual Dollar Card?
- Download ALAT by WEMA app, new user sign up old user can sign in.
- 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.
You can load the card with any amount and start using it to perform financial transactions easily.
See;
- 10 Ways To Work In Nigeria And Get Paid In Dollars
- Money Making Apps In Nigeria That Pay You Real Money
5. Fundall virtual dollar card
Fundall is a digital bank, which provides it services in partnership with treasures microfinance bank and providus bank limited.
The fact is that fundall is a financial technology company that is registered under cooperate affairs commission, Nigeria and issues it users one of the best virtual dollar card in Nigeria.
The virtual card they gives is US dollar prepaid card which allows individuals to make payments and shop online without any restrictions.
To create virtual card on fundall is free and anyone can easily create one.
How to create a Fundall Virtual Dollar Card
- Sign up to Fundall by downloading the app and register. 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.
6. Barter by flutterwave virtual dollar card
With barter sending and receiving money internationally becomes easier, it is a fintech company in Nigeria own by flutterwave a digital banking platform.
Here, you can create a virtual dollar card in Nigeria that works on any websites or apps including on Uber, Netflix, Alibaba, Apple music, ASOS, Facebook, and AliExpress.
However, in this article am going to show you how you can easily create and fund barter virtual cards.
Each virtual card that you create costs $2, with a $1 monthly fee, and you need at least 5$ on your account to create one card. And you can upload up to $10,000 into your card.
How To Register For A Barter Virtual Dollar Card
- Go to playstore and download Barter by Flutterwave app.
- After downloading, open the app and start registration.
- After the registration, go to your dashboard and select “Add money” to fund to your barter wallet.
- Once your account has been funded, click ‘new card’ to create your virtual dollar card.
- You can always load your card with money that you have deposited into your wallet.
7. Wallet Africa virtual card
Is Wallets Africa legit? Yes. I have been using wallet Africa for the past 6 months to perform financial transactions without any issues.
Wallet Africa is one of the best digital wallet in Africa offers free virtual cards and offers lowest transfer fees and their dollar exchange rate to Naira is the cheapest.
I call it magic VISA card because you can also request for the physical card if you wish but it will cost you money. You be paying $1 per month, a $0.75 fee on every international transaction and a 2% to load your card from an external account.
Start get this virtual dollar card in Nigeria you need to download wallet Africa app and sign up after registration you can fund your account and request for virtual card.
8. Flip by Fluidcoins
Flip by Fluidcoins is a crypto savings and payment gateway app. It is more accurately described as an all-in-one stablecoins app, which allows you to save, earn and make international online payments in stablecoins.
However, this crypto app help you to save and grow your wealth, spend with confidence online through their crypto-powered virtual cards.
The good thing is that no maintenance and withdrawal fees and you can easily and receive money from anywhere with just your flip tag.
The Flip virtual USD cards are one of the visual dollar cards that are working at the moment in Nigeria, unlike the other popular ones like Flutterwave and Eversend.
The Flip virtual dollar card has a $1500 limit per transaction. To get this virtual card you need to download the application and register an account.
9. Changera by Bitmama Virtual Dollar Card
This is not a new app that help to create virtual card in Nigeria but I mostly recommend it to international workers like freelancers, travelers etc.
Changera is the social fintech platform that can help you receive and make payments internationally, if you have been looking for how you can create a free domiciliary account without going to the bank, this app can help you.
How to get started on Changera
If you want to get virtual card on changera you need to first register an account and fund it, and the steps below will help;
- Visit and Sign Up on changera, register in less than 2 minutes
- Fund your Wallet, Top up your wallet to start your transactions
- Verify your account to show that you are a human
- Create a wallets and fund it
- Navigate to your dashboard and create a dollar virtual card, fund it and start using it.
10. CashBuddy virtual dollar card
Cashbuddy helps users to send and receive money internationally with just a link, and with this site, you can easily get a virtual dollar card in Nigeria for your online payments.
To register on cash buddy is free and it allows pay online for different products and services with a virtual dollar card that works with Facebook, PayPal, skrill, Instagram, aliexpress, Amazon, Google, and apple.
Creating a CashBuddy virtual dollar card cost $3, the transaction fee is $0, the Maximum Card Load Amount per 24 hours is $10,000, and the Maximum Card upload Amount per Month is $10,000.
11. EyowoVisa virtual dollar card
Eyowo is another platform where you can get the best virtual dollar card platform in Nigeria. It is a legit fintech company that allows you to make payments, pay bills and receive money with just your phone number or payment link.
Apart from it reliability, eyowo helps you to easily perform financial transactions without any error or server issues.
For you to get a Virtual Dollar Card on Eyowo here is the procedure.
- Visit Eyowo website and download their app
- Register an account with eyowo mobile app
- Navigate to the dashboard and Tap on “More”
- Then Tap on “Eyowo dollar cards”
- Click “Create Card”
- You can now Fund your virtual card with as low as $1.
Conclusion
I have been able to show you the best virtual dollar card in Nigeria that are currently working with low exchange rate.
These virtual cards platforms that I reveals are safe to use because I and my friends have tested them before recommending them to you.
Is their any other virtual dollar card that you have used and you think is among the best, let us know.
