The Best Virtual Dollar Cards In Nigeria (2024)

Best Virtual Dollar Cards Nigeria -
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We’ve compiled a list of what we believe are the best virtual dollar cards in Nigeria. If you wish to make international online purchases, these virtual collar cards are your go-to. We also have listed a few alternatives for naira virtual cards if you prefer the ease of a virtual card for domestic transactions.

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Using a Nigerian debit or credit card to make online purchases is convenient. However, if your card is issued in naira, it may be difficult to use it for transactions with international service providers such as Amazon, Google, Facebook, Netflix, or Spotify. This is because either these platforms will not accept your card or because your bank limits international transactions to $40 per month. 

This is where virtual dollar cards come into play. These cards are only available through an app. Basically, they cannot be used in person but for online purchases. Secondly, they are far easier to get than actual dollar cards. This is because they don’t have a physical equivalent, and you don’t have to wait for them to arrive by mail. They typically function as prepaid cards that must be loaded from a naira account or card. You may have to pay a fee while topping them up, in addition to a small monthly fee, but you will escape international transaction fees. These topping fees may range from 1% to 15% depending on the issuer of your naira card.


Below is the list of the Best Virtual Dollar Cards in Nigeria (2024)

1. Virtual Payment Cards from PST.NET

Virtual Cards from PST.NET is the best solution to pay online for any service around the world. PST provides virtual payment cards from US and European banks with instant deposit and withdrawal operations. They have several types of cards for any purpose, even cards with 3D-Secure (SMS with confirmation codes).

Users can get their first card in 5 minutes without any documents, it’s very simple. Cards can be deposited with USDT & BTC (so we can call them virtual crypto cards), bank cards (Visa, Mastercard), or wire transfers (SEPA, Swift). There are no limits on spending or the number of cards.

Visa Platinum Credit cards, 3D-Secure, and BIN quality monitoring system from PST.NET will provide an unsurpassed level of protection against problems with financial verification on all advertising platforms – that means no more risk payment bans for media buyers and affiliate marketers.

Plus PST.NET offers literally the best terms on the market for users with big spends (100 first cards for free, $1 for a card, 2% top-up fee). There are also tools for teamwork (team members management, setting spend limits, instant transfer of cards and funds between team accounts, top-up request system, transaction history for all participants, and reports in CSV format).

To be honest, virtual cards from PST have no competitors.

READ ALSO: Best Car Insurance Companies in Nigeria in 2024

2. Barter by Flutterwave Virtual Dollar Card

Flutterwave, a Nigerian payment firm, invented Barter, an app (both on iOS and Android) that allows you to transfer and receive money immediately. You can use Barter to send and receive money from other countries, and you can also use it as a digital wallet by funding it with your bank account, bank card, or mobile money account.

With money in your account, you can create a virtual dollar card. This will enable you to make online payments on most websites. There exist a few exceptions, such as cryptocurrency purchases, online trading, betting websites, or money transfer services. Each virtual card costs $2, plus a monthly charge of $1. For Barter’s Virtual Card, you must have at least $5 in your account to create one. You can deposit up to $10,000 on it.

Best Virtual Dollar Cards Nigeria - - - Barter By FlutterWave - 1

3. ALAT Virtual Dollar Card

ALAT is a digital-only brand run by Wema Bank, a commercial bank with operations in Nigeria. It provides a full banking package, including a bank account, physical debit card, savings, and loans, and is one of the best virtual dollar cards in Nigeria. Once your account is set up and financed, you can load your card directly from your naira balance. The ALAT Virtual dollar card allows up to $20,000 and can convert the dollars back into naira if necessary. However, it cannot be used on money transfer websites and is compatible with 3D Secure.

4. Wallets Africa Virtual Dollar Card

Wallets Africa is a Nigerian startup that provides a digital wallet with virtual and physical naira and dollar Visa cards. These are issued by UBA, which means you are not limited to online transactions in dollars, making it ideal for traveling! This comes at a cost, as your card has a monthly $1 fee, a $0.75 fee on every overseas transaction, and a 2% fee to load from an external account.

5. Eversend Virtual Dollar Card

Eversend is a Uganda-based firm that provides multi-currency accounts in a number of African countries, including Nigeria. You can fund your account with a payment card and then create a virtual dollar debit card. With this, you are now able to make payments anywhere online. The card costs $1 to establish, $1 per month, and a 2% currency conversion fee when charged.

6. Bitsika Virtual Visa Dollar Card

Bitsika is a mobile application accessible in Nigeria and many French-speaking African countries. The app allows you to send and receive money in naira, cedis, CFA francs, and several cryptocurrencies, including bitcoin. You can then spend it using a virtual Visa debit card, which has a high 8% charge.

7. Fundall Virtual Dollar Card

Fundall is a Nigerian digital bank that offers a wide range of financial services to private and commercial users, ranging from a bank account and budget planning to savings accounts and loans. They have created a virtual dollar card to spend money online without restrictions, delivering the first card for free with a minimum load of $5. 

8. Mintyn Virtual Dollar Card

Mintyn is a Nigerian digital bank that provides a wide range of financial services. These include; private bank accounts, corporate accounts, savings, and even services such as quick loans and mutual funds. They also offer an unlimited virtual dollar card that can be activated immediately for Tier 3 account subscribers.


That is our list of the Best Virtual Dollar Cards in Nigeria. In case we forgot to include your favorite virtual card option, send us a DM or comment below.