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So, Google directed you here while searching for the best virtual dollar cards in Nigeria still active in 2025.
Well, welcome!
And trust me, you have hit the jackpot because we are about to deep-dive into the topic that has been on everyone’s lips
It’s a must-know topic for every tech-savvy Nigerian.
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Recently, it has been tough out there for Nigerians trying to sail through the maze called online payment.
So, being a website designer, I feel the pain, too.
My team and I use virtual dollar cards to pay for hosting services, premium plugins, design tools, and more to deliver quality work to our clients.
But finding a reliable virtual card lately?
Whew.. what a challenge!
A dollar card is arguably one of the smoothest means by which a Nigerian can pay for stuff online.
With foreign currencies dominating the online space..
From buying on Amazon to streaming on Netflix and paying on Shopify
What can a local Nigerian card to do?
They’re either rejected by these international platforms or frustrate the transactions with too much control by the local banks.
Remember how Barter by Flutterwave, along with several other fintech companies like Payday, Busha, and Vesti pulled the plug on their virtual dollar card services?
There was also that limiting $20 daily cap for overseas transactions.
So if you’ve been searching for affordable, dependable, and still active virtual dollar cards in Nigeria, then I gotchu.
Don’t worry..
I’m not stingy, I’ll be walking you through the very best available options right now.
So sit tight, it’s about to get real..
Oh yes!
Get ready because this content is value-packed, you’ll be getting answers to questions like:
Best virtual dollars cards in Nigeria 2025
Table of Contents show
Best Barter by Flutterwave alternative
Which app has dollar card in Nigeria?
Cheapest virtual dollar card in Nigeria
How do I get a USD virtual card in Nigeria?
Does Kuda offer a virtual dollar card?
So let’s get started by first discussing what a virtual dollar card is all about
WHAT ARE VIRTUAL DOLLAR CARDS IN NIGERIA?
Virtual dollar cards in Nigeria are so important for lovers of online shopping or those who make service payments in foreign currencies.
Unlike your normal plastic debit or credit card, these cards are not tangible.
Virtual dollar cards are purely electronic and are created specifically for online mobile and app-based transactions.
They are just ideal for internet shopping, subscriptions, and other payments.
But what do virtual dollar cards in Nigeria contain?
This might be your question if you haven’t used it before..
Well, just like your regular cards, they are primarily issued with such details as a card number, expiration date, card name, and that important three-digit code known as the CVV.
But the difference is..
This information stays in your app or platform.
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It is super easy..
To fund a virtual dollar card, you simply transfer naira from your account or debit card, and voilà!
It converts into dollars on your virtual card account.
With this, online transactions in foreign currencies have never been easier.
TOP BENEFITS OF USING VIRTUAL DOLLAR CARDS IN NIGERIA
If you’ve ever tried to purchase something in dollars and you have a limited time to make this payment..
Then you already know how painful it can be for your Nigeria debit card to be rejected many times
But with an active virtual dollar card in Nigeria, you stay jiggy always
These digital cards are a lifesaver for anyone navigating global payments, especially when you need to subscribe to foreign services that will help you grow your business in Nigeria.
Plus, when you finally get paid in dollars, managing your money becomes so much easier with these cards.
Okay, okay, what about the convenience!
No going to the banks, staying on queues, no strict paperwork.
Just instant access to a card you can use for anything from Netflix subscriptions to Amazon shopping.
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With everything becoming digital, virtual dollar cards in Nigeria are a must-have for business owners, freelancers, etc. for smooth, reliable, and secure online transactions.
IS IT SAFE TO USE VIRTUAL DOLLAR CARDS IN NIGERIA?
Yes, using virtual dollar cards in Nigeria is safe if you choose reliable providers.
These cards are designed to make international payments seamless, allowing you to pay for subscriptions, shop online, or handle transactions in foreign currencies without needing a physical card.
They’re also super handy for entrepreneurs looking to grow their customer base in Nigeria, as they simplify payments to global vendors or ad platforms like Google and Facebook.
However, ensure the platform offering the card is legit and secure, as some unreliable providers could pose risks.
With the right choice, virtual dollar cards in Nigeria can revolutionize how you manage payments across borders, keeping your business competitive.
BEST VIRTUAL DOLLAR CARDS IN NIGERIA 2025
GREY.CO VIRTUAL DOLLAR CARDS IN NIGERIA
Grey.co, formerly known as Aboki Africa, is a standout fintech platform dedicated to simplifying cross-border financial transactions for Africans.
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Specializing in enabling users to open foreign bank accounts, Grey.co ensures seamless money transfers across borders.
For remote workers, freelancers, and digital nomads in Nigeria, Grey.co offers a comprehensive solution for managing international transactions.
To solidify its position among the best virtual dollar cards in Nigeria, Grey has launched its very reliable virtual card service.
This innovation allows users to shop online, pay for subscriptions, and handle global transactions effortlessly..
All while enjoying some of the cheapest exchange rates available.
How Does the Grey Virtual Card Work?
The Grey Virtual Card is a digital USD Mastercard linked to your Grey account, enabling you to pay for online purchases directly from your USD balance.
Here’s how it get yours:
- Create a Grey Dollar Account (Promo code: QRMVPZ).
- Fund your account in your local currency and exchange it for USD. Your USD balance will then reflect in your account.
- Load dollars onto your virtual card.
- Use the card to make payments in any currency wherever Mastercard is accepted.
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The card provides key details like card number, CVV, and expiration date, just like a physical card.
Whether you’re paying for web hosting services, streaming platforms, online courses, or shopping on sites like ASOS or Zara, the Grey Virtual Card delivers unparalleled convenience.
Key Benefits of the Grey Virtual Card
- Reliability: Designed for global use, the card works seamlessly for all online transactions.
- Flexibility: Freeze or unfreeze your card to control spending limits as needed.
- Multiple Account Options: With Grey.co, you can open Dollar, Euro, and Pound bank accounts, making it ideal for digitally skilled Nigerians to earn in foreign currencies.
Freelancers and professionals in Nigeria working for international clients can now receive payments in dollars and other foreign currencies with ease.
Grey.co empowers users to maximize their earnings while enjoying hassle-free international payments.
How to Create a Grey Virtual Card in Nigeria
- Sign up for a Grey account using Promo Code – QRMVPZ.
- Log in to the Grey app.
- Navigate to the “Virtual Cards” section and tap “Create Card.”
- Follow the prompts to set up your card instantly.
Once your card is ready, download the Grey.co app from the Playstore or AppStore to enjoy seamless access to all features.
Has Grey’s Virtual Dollar Card Stopped Working at the Moment?
Kindly tell us your experience in the comment section
CHIPPER CASH VIRTUAL DOLLAR CARDS
With Chipper Cash, a very popular Fintech brand in Nigeria, one is spoiled for choice in finding the best virtual dollar cards in Nigeria.
Chippercash takes away most of the restrictions Nigerians face during online transactions, when they introduced its virtual dollar card to make cross-border payments easy and accessible.
Chippercash works through a free, user-friendly mobile app available for download on both the Google Play Store and the Apple App Store.
The Chippercash account can be used to receive, request, and send funds locally or internationally.
It is also a very simple, quick, and affordable means, especially when compared to other operators in Nigeria for virtual cards.
Features of Chipper Cash Virtual Dollar Cards
Users receive a unique account number upon registration.
This account facilitates money transfers to and from Nigeria with ease.
It’s known for quick transactions and competitive conversion rates, though the downside is they buy dollars low and sell dollars very high compared to other virtual card providers in Nigeria.
To open an account and obtain the Chipper Cash virtual dollar card, you’ll need:
- A smartphone,
- A valid email address,
- A phone number, and
- Your Bank Verification Number (BVN).
How to Get a Chipper Cash Virtual Dollar Card in Nigeria
- Download the App: Get the ChipperCash app from the App Store or Google Play Store.
- Register: Sign up using your phone number or email address. Verify your account by entering the code sent to you.
- Provide Details: Fill in your information, set a unique username, and choose your default currency.
- Fund Your Account: Add funds to your account by clicking “Add Cash.” A unique Nigerian bank account number will be generated for you. Deposit at least ₦3,000 to this account.
Tip: Use the referral code DTEU3 when signing up to claim an additional ₦600.
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Activating Your Virtual Dollar Card
- Tap the “Card” section on the Chipper app.
- Complete your verification process.
- Fund your account with a good amount to enable transactions.
- Claim your card by clicking on it and entering your login details.
Once you complete these steps, your virtual dollar card will be ready to use.
Starting at just $5, the Chipper Cash card is a reliable option for seamless online transactions.
Has Chipper Cash Virtual Dollar Card Stopped Working at the Moment?
Kindly tell us your experience in the comment section
GEEGPAY VIRTUAL DOLLAR CARDS
Geegpay, powered by Raenest, a renowned digital finance platform tailored for the gig economy, is among the best virtual dollar cards in Nigeria.
It offers users the convenience of making fast international payments and shopping online across numerous platforms without worrying about hefty bank charges.
Requirements to Register on Geegpay:
- Link any of your additional bank accounts.
- Provide proof of address using one of the following documents:
- Driver’s license
- International passport
- National ID card
- Voter’s card
Experiencing Issues with Geegpay Virtual Dollar Card?
Share your thoughts in the comments section below!
GOMONEY VIRTUAL DOLLAR CARDS
Gomoney is a trustworthy e-wallet service provider in Nigeria among a few other virtual dollar card providers.
It makes banking easy by providing people with smooth peer-to-peer transactions and third party payments with ease.
The Gomoney Virtual Dollar Card makes online purchases in Nigeria and worldwide seamless, taking advantage of good exchange rates and speed in transaction processing.
The cash limit on your card depends on the tier level of your account, of which there are three available tiers.
Steps to Get a Gomoney Virtual Dollar Card:
Gather the following details to open an account:
- Full name
- Email address
- Contact information and address
- Phone number
- A recent utility bill showing your current address
- A government-issued ID
- Your Taxpayer Identification Number (TIN) or Social Security Number (SSN)
NEXT
- Access your Google Play or Play store and download the Gomoney app
- Submit the required information, including your phone number.
- Enter and verify the OTP sent to you via email.
- Confirm your BVN ownership by entering the provided verification code.
- Once your account is verified, upload your ID and advance to Tier 2 to activate your Gomoney Virtual Dollar Card.
- That’s it..
Having Trouble with Gomoney’s Virtual Dollar Card?
Let us know about your experience in the comments!
CHANGERA VIRTUAL DOLLAR CARDS
Changera, owned by Bitmama, a prominent cryptocurrency network, is a top contender among the best virtual dollar cards in Nigeria.
It enables fast international payments, secure money transfers, utility bill payments, and airtime purchases from anywhere in the world.
Requirements to Register on Changera:
- Provide your biodata.
- Submit your National Identification Number (NIN).
- Offer proof of residency using one of these documents:
- Driver’s license
- International passport
- National ID card
- Voter’s card
We’d love to hear about your experience in the comments section.
FUNDALL VIRTUAL DOLLAR CARDS
Fundall is currently one of the leading online banking platforms, providing savings, loans, and highly reliable Fundall Virtual Dollar Cards in Nigeria.
In fact, the card has been an amazing experience for Nigerians who intend to make purchases with ease on international platforms.
Being among the best virtual dollar cards in Nigeria, this card by Fundall, makes it quite easy for users to shop anywhere around the world.
This system offers a user-friendly process where you can purchase anything anywhere in the world and not have to pay any transaction fees.
You can get started with as little as $5.
Fundall also gives you the flexibility to create extra cards for specific purposes, such as shopping on Facebook, Netflix, Amazon, or Apple Music.
Secured and easy to handle, the Fundall Virtual Dollar card keeps your money safe while making purchases online.
Unlike physical cards, virtual cards are a total stress-free option and can never be stolen.
Steps to Get a Fundall Virtual Dollar Card
- Download the Fundall app from the Google Play Store or App Store.
- Register by providing your details and verifying your account using the OTP sent to your phone.
- Fund your Fundall account.
- Click on “Create Card” and select the “Virtual Dollar Card” option.
- Fund your fundall virtual dollar card with at least $5 to activate it.
Are you currently experiencing issues with the Fundall Virtual Dollar Card?
Let us know your thoughts in the comments section.
ALAT VIRTUAL DOLLAR CARDS
The ALAT Virtual Dollar Card ranks among the very best in Nigeria, provided by Wema Bank.
This digital banking system, ALAT, hence provides services in saving, loans, physical debit cards, and, as such, the famous virtual dollar card.
ALAT is known for its reliability and thus offers one of the best virtual dollar cards in Nigeria, which can easily be used on world platforms like Amazon, Shopify, Facebook, and Google.
You get really great exchange rates as you deposit naira to have it converted into dollars for payments in foreign currencies.
Once verified, you can deposit up to $20,000 with ALAT and turn your dollar balance into naira anytime.
For this reason, ALAT has been one of the most trustworthy options for obtaining virtual dollar cards in Nigeria.
Steps to Get an ALAT Virtual Dollar Card
- Download the ALAT app from the Google Play Store or Apple Store.
- Register with your details and set a strong password.
- Verify your account using the code sent to your email or phone.
- Open the dashboard and select the “Card” option.
- Click on “ALAT Virtual Dollar Card” and follow the instructions to generate your card.
Having trouble with your ALAT Virtual Dollar Card?
Share your experience in the comments below.
MINTYN VIRTUAL DOLLAR CARDS
Mintyn, one of Nigeria’s top digital banking solutions, offers the Mintyn Virtual Dollar Card which is secure, reliable and can make global payments.
This card is perfect for Nigerians who earn or spend money online and want a smooth transaction experience with great exchange rates.
With Mintyn, you can shop on international websites like eBay, Amazon, Netflix, WordPress, Facebook, and more.
It also allows you to transfer and receive funds globally, making it one of the best virtual dollar cards in Nigeria.
Steps to Get a Mintyn Virtual Dollar Card
- Download the Mintyn app from the Google Play Store or App Store.
- Register by providing your details and verifying your account.
- Select “Create Card” from the homepage and choose the “Virtual Dollar Card” option.
- Follow the prompts to finalize your card setup.
- Fund your account to activate your card.
Are you using the Mintyn Virtual Dollar Card?
Let us know your feedback in the comments.
VIRTUAL DOLLAR CARDS IN NIGERIA NOT WORKING (Confirmed)
As of now, several virtual dollar cards in Nigeria have been confirmed to be inactive or non-functional.
Below is a detailed overview of these cards and the services they offered before becoming unavailable.
Barter by Flutterwave Virtual Dollar Cards
Developed by the Nigerian fintech company Flutterwave, Barter offered users the ability to send and receive money quickly.
It also doubled as a digital wallet, allowing users to load funds via their bank accounts, credit cards, or mobile money.
With the Barter virtual dollar card, users could shop online across most websites.
However, the card did not support transactions on platforms for betting, trading, or money transfers.
Key Features of Barter Virtual Dollar Cards:
- Minimum balance required: $5.
- Cost to create a card: $2.
- Monthly maintenance fee: $1.
- Maximum loadable balance: $10,000.
Unfortunately, Barter’s virtual dollar card providers have since ceased the functionality of this service.
Wallets Africa Virtual Dollar Cards
Wallets Africa, now rebranded as Spring Africa, was a Nigerian startup that offered both virtual and physical naira and dollar Visa cards.
Issued by UBA, these cards facilitated online purchases in US dollars, making them useful for international travelers.
Key features of Wallets Africa Virtual Dollar Cards:
- Monthly fee: $1.
- Foreign transaction fee: $0.75.
- Loading fee: 2%.
Requirements to Get the Virtual Card:
- Bio-data.
- Bank Verification Number (BVN).
- Government-issued identification (e.g., international passport, national ID, driver’s license, or voter’s card).
Despite its robust features, Wallets Africa is no longer an active virtual dollar card provider in Nigeria.
Eversend Virtual Dollar Cards
Eversend, headquartered in Uganda, offered Nigerians the option to open multi-currency accounts and access virtual dollar cards.
Users could fund their accounts with debit or credit cards and use the virtual card for online purchases almost anywhere.
Key features of Eversend Virtual Dollar Cards:
- Card creation fee: $1.
- Monthly maintenance fee: $1.
- Exchange rate surcharge: 2% on purchases.
While some claim that Eversend’s virtual dollar cards in Nigeria are still operational, many users report challenges, raising questions about the card’s current reliability.
Bitsika Virtual Visa Dollar Cards
Bitsika allowed users to send and receive money in multiple currencies, including naira, cedis, CFA francs, and cryptocurrencies like bitcoin.
It served users in Nigeria and various French-speaking African countries.
The Bitsika virtual Visa card allowed users to make online purchases, albeit with a hefty 8% transaction fee.
Despite its wide functionality, Bitsika is among the virtual dollar card providers that have ceased offering this service.
DOES KUDA HAVE A VIRTUAL DOLLAR CARD?
We know you love Kuda and its fintech services, and we want a Kuda virtual dollar card in Nigeria.
And by the way, as every Kuda user knows, it is quite free and easy to create a Kuda virtual card on the Kuda app.
According to Kuda…,
Everyone is entitled to one virtual card.
If you delete yours, you won’t be able to create another one.
Please, don’t delete it.
Unfortunately, the kuda virtual card is not dollar-denominated and hence unable to make payments in dollar currency.
REQUIREMENTS FOR GETTING A VIRTUAL DOLLAR CARD IN NIGERIA
These cards guarantee smooth online transactions, especially for websites that might not accept Naira cards.
But what do you need to get one?
Let’s break it down.
First, you will be requiring a valid email address and active phone number.
Simple, right?
Next, most of them will require a government-issued ID, like your NIN or international passport, which you’ll provide during the KYC verification.
This is for security purposes and assurance that you are legit.
Then, it generally requires the linking of a funding source, such as a bank account or mobile wallet, to load your card with dollars.
That’s it.
BEST USES OF VIRTUAL DOLLAR CARDS IN NIGERIA
So whether you’re a freelancer, entrepreneur, or just someone who loves shopping online,.
Below are the best ways to maximize them:
- Online Shopping: From buying trendy outfits on platforms like Amazon to snagging gadgets on eBay, virtual dollar cards in Nigeria make checkout seamless. No more declined transactions or naira-to-dollar headaches.
- Paying for Google Ads Campaigns: Running ads to promote your business online? Virtual dollar cards handle Google ads campaigns efficiently, ensuring your marketing goals stay on track without a hitch.
- Domain Renewal Subscriptions: If you’re managing a website, keeping your domain alive is a priority. Virtual dollar cards let you renew subscriptions on platforms like GoDaddy or Namecheap effortlessly.
- Gift Card Purchases: Need to surprise someone? Use these cards to buy gift cards for platforms like iTunes, Netflix, or even gaming subscriptions.
- Selling Digital Products in Nigeria: As a digital entrepreneur, you might need to pay for tools or subscriptions to sell digital products in Nigeria effectively. These cards are the ultimate hack.
Virtual Dollar Cards Providers in Nigeria 2025 – FAQs
Let’s dive into some of the most common questions people ask about getting a
working virtual dollar cards in Nigeria.
What is the best Barter by Flutterwave alternative?
Fintech apps owned like Grey.co and Chipper Cash are the best alternatives to Barter by Flutterwave. They offer virtual dollar cards with competitive rates and reliable services.
Which app has dollar card in Nigeria?
As already discussed in this article, several apps provide virtual dollar cards in Nigeria, including Barter, Payday, Chipper Cash, Eversend, and ALAT by Wema Bank.
What is the cheapest virtual dollar card in Nigeria?
Personally, I had said that Grey.co have some of the cheapest fees for creating and maintaining virtual dollar cards. The exact cost depends on how much you plan to load on the card.
How do I get a USD virtual card in Nigeria?
Download a trusted app like Grey.co or Chipper Cash. Create an account, complete your KYC (know-your-customer), and fund your account to generate your virtual dollar card.
How do I open a virtual dollar account online?
Most apps offering virtual dollar cards allow you to open an account online. Just download the app, sign up, verify your identity, and you’re good to go!
Can I transfer naira to a dollar account?
Yes! Most apps like Grey.co and Chippercash allow you to fund your virtual dollar card using naira. The app will automatically convert your naira into dollars at the current exchange rate.
Are Nigerian virtual dollar cards safe?
Yes, as long as you use trusted providers like Grey.co, Chippercash, etc. These platforms use encryption to protect your data.
Can I use a virtual dollar card for PayPal?
Absolutely! Most virtual dollar cards work for verifying and funding your PayPal account, making them ideal for freelancers and online shoppers.
What’s the dollar-to-naira exchange rate for virtual cards?
This varies across platforms, so compare rates before funding your card. Apps like Grey.co and Chippercash are transparent about their rates. You can check current dollar rates on this site
How do I choose the best virtual dollar card provider in Nigeria?
Look at factors like exchange rates, card creation fees, monthly maintenance fees, and customer reviews. Grey.co and Chipper Cash are popular for their affordability and ease of use.
How to rank your fintech site in Nigeria using SEO strategies for fintechs?
Do you want to rank your fintech site in Nigeria? Focus on keywords like “cheapest virtual dollar card in Nigeria,” and “apps with dollar cards in Nigeria.” Create engaging content, optimize for local searches, and build quality backlinks.
Active Virtual Dollar Cards in Nigeria – CONCLUSION
In the end, making use of virtual dollar cards in Nigeria is not all about maintaining the digital trend.
Rather, it deals with convenience, security, and successful transactions.
Be it through bill payments online, service subscriptions, or even international payments..
The most superior virtual dollar card in Nigeria offers unmatched flexibility and dependability.
More to that, at highly affordable best rates, you save more and get value for each naira spent.
If you are still pondering whether this is safe, the answer is simply yes, provided you go through a trusted provider.
A good virtual dollar card aids in bypassing the problems of currency restrictions and failed payments, all while giving you control over your spending.
Yes, that’s what it is all about..
The right helper that simplifies your online payments without most of the traditional banking system hassles.
So take control of your international transactions today with a virtual dollar card, designed to make handling finances smarter and safer.
By the way, we will continue to update more virtual dollar cards that can be used in Nigeria right here because this is a developing story.
This post is not promoted.
We independently hand-picked the active virtual card providers in Nigeria.
Whereas, we do not associate ourselves with any of these companies.
We won’t be held responsible for any losses you may incur using these platforms, so please exercise caution.
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