Nigeria’s growing reliance on digital payments has made international transactions more essential than ever. However, most local bank cards no longer support foreign payments, making it difficult for individuals and businesses to pay for services like Netflix, Amazon, and Facebook Ads.
A virtual dollar card offers a seamless way to bypass these restrictions, allowing users to make secure payments in USD without needing a domiciliary account.
This article highlights the best virtual dollar card providers in Nigeria, helping you find a reliable option for international transactions.
5 Best Virtual USD Card Providers in Nigeria
With local bank restrictions on foreign transactions, virtual USD cards provide Nigerians with a secure and flexible way to pay globally. Below is a comparison of the top providers, highlighting their fees and features to help you make the right choice.
| s/n | Provider | Card Creation Fee | Maintenance Fees |
| 1 | Cardtonic | $1.50 | None |
| 2 | Klasha | $2 | None |
| 3 | Gomoney | Free (1st card), ₦850 for additional | Quarterly fee of ₦53.75 |
| 4 | Bitsika | $3 | None |
| 5 | Eyowo | $2 | None |
1. Cardtonic
When it comes to reliability, security, and affordability, Cardtonic stands out as the best virtual dollar card provider in Nigeria. Unlike other platforms that impose high fees, transaction limits, or hidden charges, Cardtonic offers a straightforward, cost-effective solution for making international payments without restrictions.
One of Cardtonic’s biggest advantages is its instant funding feature, allowing users to top up their virtual cards directly from their Cardtonic wallet. This eliminates delays, exchange rate inconsistencies, or funding restrictions, making it one of the most efficient virtual dollar card options in the country.
Security is another key factor that sets Cardtonic apart. The platform requires Know Your Customer (KYC) verification, ensuring that only verified users can access its services, reducing fraud risks. Additionally, Cardtonic has strong security protocols to protect user data and transactions, giving users peace of mind when making global payments.
Cardtonic’s virtual dollar card is widely accepted across multiple international platforms, including Netflix, Amazon, Spotify, Aliexpress, Coursera, Udemy, Apple Music, Facebook Ads, Google Play, and AliExpress.
Getting a virtual dollar card on Cardtonic is quick and hassle-free. Simply sign up, complete KYC verification, fund your wallet and create your card instantly. Your card will be ready to use immediately for international transactions. For a step-by-step guide, watch this video:
2. Klasha
Klasha provides a virtual dollar card that allows users to make international payments, primarily targeted at online shoppers. The card can be funded directly with Naira, and users can access it via the Klasha app.
It supports payments on major platforms like Amazon, Apple Music, and Google Play, making it a convenient option for digital purchases.
However, Klasha imposes transaction limits that may not suit high-volume spenders.
3. Gomoney
Gomoney offers a virtual dollar card for Nigerians who need an affordable solution for foreign transactions. The first card is free, but subsequent cards cost ₦850 each.
While Gomoney has no monthly maintenance fees, it imposes a strict $100 monthly spending limit, which may not be suitable for frequent international transactions.
The platform offers real-time spending notifications and detailed transaction histories, giving users more control over their expenses. However, before creating a virtual card, users must upgrade to a Tier 2 account, which requires additional verification.
4. Eyowo
Eyowo is a Nigerian fintech company offering a secure and flexible virtual dollar card for international transactions. The card allows users to make seamless USD payments on platforms like Netflix, Amazon, and Google Ads, providing an alternative to traditional bank cards that no longer support foreign transactions.
One key feature of Eyowo’s virtual dollar card is that all card details are stored within the app, enhancing security by reducing exposure to fraud.
5. Bitsika
Bitsika provides a multi-currency digital wallet that includes a virtual dollar card for seamless online transactions. Users can fund their cards in Naira, Cedis, or other supported currencies and spend in USD on international platforms like Netflix, Amazon, and Google Ads.
One standout feature of Bitsika is its peer-to-peer (P2P) transfer system, allowing users to send money across borders instantly.
Frequently Asked Questions About Virtual Dollar Cards in Nigeria
- Which is the best virtual dollar card in Nigeria?
For security, ease of use, and affordability, Cardtonic is the best virtual dollar card in Nigeria. It offers instant funding, zero maintenance fees, and seamless USD transactions across global platforms like Netflix, Amazon, and Facebook Ads.
- How do I get a virtual dollar card in Nigeria?
To get a virtual dollar card in Nigeria, sign up with a provider, complete the KYC verification, and fund your card. Platforms like Cardtonic allow you to create and top up your card instantly.
- What is the cheapest virtual dollar card in Nigeria?
Several platforms offer affordable virtual dollar cards, but Cardtonic remains one of the most cost-effective options due to zero maintenance fees and transparent pricing.
- Can I withdraw cash from a virtual dollar card?
Virtual dollar cards are designed for online payments only, so they cannot be used for ATM withdrawals. However, some providers allow users to transfer funds back to their wallets for other transactions.
Conclusion
Virtual dollar cards have become essential for Nigerians who need to make international payments without restrictions. With local banks limiting foreign transactions, platforms like Cardtonic, Klasha, Gomoney, Bitsika, and Eyowo provide reliable alternatives for seamless USD payments.
While each provider has its benefits, Cardtonic stands out as the best choice thanks to its zero maintenance fees, instant funding, and hassle-free user experience.
