The Top Best Virtual Dollar Card Providers in Nigeria 2023

The Top Best Virtual Dollar Card Providers in Nigeria 2023.

As the rise of diverse financial service providers has facilitated the growing acceptance of virtual dollar cards in Nigeria. While certain financial institution companies are halting the use of naira cards for online dollar payment transactions in the country, other providers of this service are stepping forward, presenting a plethora of options for virtual dollar transactions.

The introduction of virtual dollar cards in Nigeria aims to enhance the online shopping and payment experience for Nigerians who utilize international platforms such as eBay, Amazon, Alibaba etc.

Virtual dollar cards are a convenient way to make online payments and withdraw cash in dollars. They are issued by a number of different providers in Nigeria, each with its own pros and cons. Please note that this arrangement is purely alphabetical and does not indicate any ranking or preference.

The Top Best Virtual Dollar Card Providers in Nigeria 2023

PSTNET are virtual cards for advertising accounts and payment for goods and services around the world. Steam, Spotify, Netflix, Patreon and Unity 3D, as well as marketplaces such as Google Play, Apple App Store, Microsoft Store, PlayStation Store, Epic Games Store and many more.

Source: PSTNET

To obtain the first card, there is no need to undergo KYC. Payment system Visa/Mastercard in USD and EUR. Low commission for replenishment from 2%. You can replenish your account in cryptocurrency, bank cards, Sepa/Swift transfers. Lots of positive reviews about PSTNET.

ALAT By Wema

ALAT by Wema offers a digitized virtual dollar card that allows you to make purchases from international trading platforms like Facebook, Amazon, Shopify, and more.

You can create an ALAT virtual dollar card for free, and it can be funded with up to $20,000 from your naira account. You also have the flexibility to convert your dollars back to naira when needed.

Barter by Flutterwave

Barter by Flutterwave provides a virtual dollar card through its popular payment platform. With a Barter virtual dollar card, you can send and receive money, buy cryptocurrencies, and make online transactions.

To create a Barter virtual dollar card, you need a minimum account balance of $5. There is a one-time fee of $2 for the card, along with a monthly fee of $1 to keep it active.


Bitsika is a payment platform that facilitates money transfers between Ghana and Nigeria. By creating a Bitsika account, you gain access to a Bitsika wallet, which allows you to send and receive money within the platform. Additionally, Bitsika offers a virtual dollar card that enables you to make transactions both locally and internationally. To get started, you need to download the Bitsika app.


Carbon, previously a digital lender, has transformed into a leading digital bank in Nigeria. Through Carbon, you can make various payments and transactions, including money transfers, bill payments, and instant loans. Carbon’s virtual dollar card can be used for online international trading platform payments and other offline channels that accept virtual dollar cards. The card has no funding or withdrawal limits, offering you full discretion in its usage.


CashBuddy provides a virtual dollar card that allows you to make payments on platforms like Apple Music, Facebook, Amazon, Instagram, and Skrill. With CashBuddy, you can make and receive payments in Africa. Obtaining a CashBuddy virtual dollar card incurs a fee of $3, but the transactions made with the card are free. The maximum funding limit for the virtual card is $10,000, both on a daily and monthly basis.


Changera is a payment platform that offers various products and services, including virtual dollar cards. Changera customers can use the virtual dollar card to make online payments on any trading platform worldwide. Changera is known for its low fees when using the virtual card. Users with a free plan can create virtual dollar cards for payments and other transactions.

Chipper Cash

Chipper Cash provides virtual dollar cards that enable you to make online international transactions. You can fund a Chipper Cash Visa virtual dollar card from your Chipper wallet, and this service is free.

Using the virtual card is similar to using physical credit or debit cards.


Eyowo is a fintech company that functions as a digital bank, allowing customers to send and receive money and make bill payments using their phone numbers. Eyowo offers a virtual dollar card, which can be obtained for as low as $1. There are no funding limits for the virtual card, and it also provides the convenience of accessing physical cash without an ATM card.

Flip by FluidCoins

Flip by FluidCoins is a crypto payment platform that enables convenient money transfers. Along with its services, you can access virtual dollar cards supported by cryptocurrency. The Flip App allows you to use the Flip virtual dollar card, which has a transaction limit of $1,500.


Fundall is a virtual dollar card provider in Nigeria that offers a dollar-denominated virtual card. It allows you to make international payments without cross-border restrictions. You can create a virtual dollar card on the Fundall app, and the first-time creation is free. Another notable feature of Fundall is the ability to generate multiple virtual dollar cards for one-off payments during active transactions. To start using the virtual card, you need to fund it with as low as $5 (in the naira equivalent).


Gomoney is a payment platform that enables peer-to-peer (P2P) payments and offers third-party services. It provides convenience for international payments. To obtain a Gomoney virtual dollar card, you need to upgrade your account to tier 2.

Once upgraded, you can make online payments locally and internationally. The virtual dollar card limit is determined by your Gomoney tier level, so it’s essential to understand the Gomoney virtual card review for new users.

Mintyn Bank

Mintyn Bank offers a range of products and services similar to traditional banks, including a virtual dollar card. With Mintyn’s virtual dollar card, you can shop for products across the world and conduct transactions on international platforms such as Facebook, Netflix, Amazon, Apple Music, and more. To have a virtual dollar card on this platform, you need to fund your Mintyn account.


Payday is a platform that allows you to send and receive instant international payments. It also provides a virtual dollar card for making international purchases and online payments at your convenience. Moreover, Payday enables you to open foreign accounts in US dollars, British pounds, and euros at no cost. Payday virtual dollar card users enjoy the flexibility of no funding or withdrawal limits, making it an excellent option for virtual card usage.

Wallet Africa

Wallets Africa is a platform that offers both virtual and physical cards in naira and dollar denominations. If you prefer virtual cards for travel purposes, Wallets Africa provides a secure virtual dollar card option. The virtual card carries a monthly maintenance fee of $1. Additionally, there is a $0.75 fee for foreign transactions and a 2% fee to fund your virtual card from an external account.

Finally, we have Wallets Africa’s virtual dollar card, which is safe to use for international payments. The card comes with a monthly maintenance fee of $1. Wallets Africa charges $0.75 as a fee for foreign transactions and a 2% fee to fund your virtual card from an external account.

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