The Best Virtual Dollar Cards in Nigeria for 2022

 Making online purchases with a Nigerian debit or credit card is convenient, but if your card is issued in naira, it can be difficult to use it for transactions with international service providers like Amazon, Google, Facebook, Netflix, or Spotify, either because these platforms won't accept your card or because your bank limits international transactions to $100 per month.


It's here that virtual dollar cards come in handy. These cards are only available through an app, so they can't be used for in-person purchases, but they're ideal for online purchases. They're also a lot easier to get than an actual dollar card because they don't have a physical equivalent, and you don't have to wait for them to arrive in the mail. They normally function as prepaid cards that must be loaded with naira from a bank account or a card. You may have to pay a cost while topping them up, in addition to a tiny monthly fee, but you'll avoid foreign transaction fees, which can range from 5% to 15% depending on the issuer of your naira card.


The Best Virtual Dollar Cards in Nigeria for 2022




Barter is an app that allows you to send and receive money instantly, created by Nigerian payment startup Flutterwave. Barter allows you to send and receive money from abroad, but you can also use it as a digital wallet, by funding it with your bank account, bank card, or mobile money account. Once you have money on your account, you can create a virtual dollar card, which you can in turn use to make online payments on most websites –– with a few exceptions, like cryptocurrency purchases, online trading, betting websites, or money transfer services. Each virtual card costs $2, with a $1 monthly fee, and you need at least $5 on your account to create one. You can load it with up to $10,000.

2. ALAT Virtual Dollar Card

ALAT is a digital-only brand owned by Wema Bank, a Nigerian commercial bank with operations across the country. It provides a full banking package, including a bank account, actual debit card, savings, loans, and, of course, one of Nigeria's top virtual dollar cards. You can load your card directly from your naira balance for up to $20,000 and change the dollars back into naira if necessary once your account is set up and financed. It is not, however, compatible with 3D Secure and cannot be used on money transfer websites.


Wallets Africa is a Nigerian business that provides a digital wallet with both virtual and physical naira and dollar Visa cards issued by UBA, allowing you to conduct online transactions in any currency. This comes at a cost, as your card has a monthly fee of $1, a $0.75 fee on any foreign transactions, and a 2% fee to load it from an external account.


Eversend is an Uganda-based startup that offers a multi-currency account in several African countries, including Nigeria. You can charge your account with a payment card, and then open a virtual dollar debit card which will allow you to make payments everywhere online. The card costs $1 to create, with a $1 monthly fee, as well as a 2% currency conversion fee when you charge it.


Bitsika is a mobile app that allows you to send and receive money in naira, cedis, CFA francs, and a variety of cryptocurrencies, including bitcoin, in Nigeria and other French-speaking African nations. You can then use it to make purchases with a virtual Visa debit card, albeit there is an 8 percent fee.





Fundall is a Nigerian digital bank that offers a wide range of financial services to both private and business customers, including a bank account, budgeting, and savings accounts, as well as loans. They recently developed a virtual dollar card that allows you to spend money online without any restrictions, and they're giving away the first card for free with a $5 minimum load.


Mintyn is a Nigerian digital bank that offers a variety of banking services, including personal bank accounts, corporate accounts, savings, and even rapid loans and mutual funds. Tier 3 account holders can also get an unlimited virtual dollar card that can be used right away.


At the moment, the Chipper Virtual Card service is only available to users in Nigeria.
Chipper cash newly rolled out a virtual dollar card aside their Virtual naira card.
The Chipper USD Virtual Card is a pre-funded and reloadable virtual card that can be used for online international 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.
Maximum Withdrawal - $1000 daily
Minimum Withdrawal - *No Limit*

Maximum Funding Limit - $1000 daily
Minimum Funding Limit - *No Limit*

Maximum Daily Spend Limit - $1000
Maximum Monthly Spend Limit - $5000

Minimum Spend Limit - *No Limit*

Note: Please ensure you have updated your Chipper app to the latest version for a seamless experience.

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