It’s a real pain trying to pay companies or services abroad in Nigeria since Naira cards rarely work. Virtual dollar cards are super helpful for safe and easy international spending.
But, there’s a catch: some virtual dollar cards are better than others. You might find some with poor rates, extra charges, or frustrating restrictions. It’s even more frustrating when you run an online business that pays daily and couldn’t buy tools needed.
I looked into it, so you don’t have to, and found the best, cheapest virtual dollar cards.
Here, you’ll learn about the best providers, what makes them special, and how to pick the one that’s right for you. Whether you’re shopping online or doing business worldwide, these are the best.
1) PSTNET Virtual Dollar Card: Secure and Instant
The best of all virtual dollar cards for international payment.
The first card is easy to get, but you’ll have to verify your info to get more or spend more.
Video: Watch how to create virtual cards using PSTNET
You can create an account using Google, Telegram, your email, or a password.
You’ll only pay 2% or more to top up. They accept USDT TRC-20, BTC, Visa, Mastercard, and bank transfers (SEPA/SWIFT). Cards with 3DS (codes go to your account or Telegram bot).
Want to pay for Steam, Spotify, Netflix, Patreon, or Unity 3D? PSTNET cards work, and they’re also good for Google, Apple, Microsoft, and PlayStation.
With significant support and lots of excellent reviews, get PSTNET card here.
2. Cardify Virtual Dollar Card: Manage All in One Place
Create and fund virtual dollar cards with Naira and USDT
Cardify, a Nigerian fintech company, makes it easy to make international payment. You can use Naira (NGN) or stablecoins like USDT to load and use cards.
Video: Watch how to create and fund cardify virtual dollar card
Cardify is a good choice if you want to avoid your Naira card getting declined. It lets you choose your wallet and cards.
Also, it throws in extra features like gift cards, saving you from having to use many apps.
1) Create a virtual dollar card for easy online international payments and subscriptions.
2) You can add money using any Nigerian bank, or with USDT via your special Tron wallet address.
3) See your Cardify Africa™ balance and details anytime on the app.
If you’re all about the virtual dollar cards with the cheapest rates, create a Cardify account.
3. Grey Virtual Dollar Card: Most Reliable in Nigeria
For 2025, Grey top the list of best virtual dollar cards in Nigeria for online payment.
Have you ever had your bank card fail when you tried to pay for Netflix, Amazon, or Facebook ads? I know your pain.
Video: Watch how to create Grey virtual card in Nigeria
Grey lets you skip those annoying card declines when you’re paying in dollars. It’s easy: open the Grey app, create a virtual dollar card, load it up with Naira, and start using.
It’s super easy to jump right in. It’s quick, and stress-free. Sign up, prove it’s you, and you can request a card in minutes. How about the rates? Grey is one of the most chreapest choices.
What makes Grey one of the best virtual dollar card providers in Nigeria?
1) You only pay for what you buy. No upkeep, no hidden costs.
2) Get better at spending by tracking your expenses on the app.
3) Pay your bills, buy flight tickets, and manage subscriptions.
4) Lock your card to stop unwanted charges, and unlock it when you’re ready to use it again.
5) Add two-factor authentication to protect your accounts from hackers.
You should check out Grey if you need an easy and cheap means of making online payments.
4. Alat Virtual Dollar Card: Seamless Online Payments
Pay online with the ALAT Virtual Dollar Card.
The ALAT virtual dollar card works for Ads, Apple subscriptions, and online shopping.
ALAT’s by Wema Bank is one of the few providers in Nigeria that helps you pay online with no worry of the exchange rates.
I was one of the first users who registered when they launched. Then, I benefited from their affiliate marketing program where they paid me N500 for every referal. It was helpful in sustaining my little expenses as an undergraduate.
Other Benefits of the ALAT Virtual Dollar Card
1) With this virtual dollar card, you can pay on any website or app.
2) This card is efficient and effective on all devices and apps.
3) You’ll find the ALAT virtual dollar card simple to create, fund, and use.
4) You shouldn’t have to pay a fortune for a virtual dollar card; that’s why there’s ALAT.
To get the ALAT virtual dollar card, you must first open a domiciliary account either through the app or at the bank.
5. Eversend Virtual Dollar Card: All in One Borderless Payment
Eversend is a good definition of your money in your hand. With the app, you can send and receive money from friends and family at affordable rates, almost zero fee.
Video: Watch how to create the eversend virtual dollar card in Africa.
Also, you can exchange many currencies at today’s exchange rates or even decide to hold.
While other financial institutions charge as much as a 10% fee, Eversend saves you almost 80% of that cost.
What makes Eversend dollar virtual card special?
1) Low transaction fees: You can transfer money to your friends and family at a good price. Their goal is to cut payment costs.
2) Multi currency wallets: You can hold and swap different currencies at honest rates. They’re always adding new currencies.
3) High level security: They keep your data safe and private. So, there is no cause for alarm.
4) Customer service: Get quick answers by chatting with customer service in our app. They respond fast.
6. Cardtonic Virtual Dollar Card: Free Visa USD Cards
Use your Cardtonic card to shop, pay for things, or buy stuff from other countries.
Paying online is such a hassle with all the declined cards and limits. The thing is, Apple Music and similar platforms don’t accept Nigerian debit cards.
Video: Watch how to create a virtual card in Nigeria
With Cardtonic, you can get a great virtual dollar card in Nigeria for transactions. Shop online without limits and get the financial freedom you need!
Why get a virtual USD card from Cardtonic?
The Cardtonic dollar card simplifies your international payments.
1) Universal approval: Use your Visa or MasterCard to shop anywhere online or overseas.
2) Use Naira to fund: No need to open a dollar account. It’s simple to put more money on your virtual dollar card using your Naira from Cardtonic.
3) Convenience On-The-Go: You can do international deals now. Get your virtual dollar card details straight from your virtual bank.
4) Great conversion fees: Get more for your money when you buy things abroad – no currency fees!
You can use the Cardtonic VISA virtual dollar card on any platform that accepts VISA USD cards. Some sites might not allow transactions from some countries, though.
7. GeegPay Virtual Dollar Card: Best for Freelancers
One of the best virtual dollar cards for Africa’s Professionals
Geegpay gives you a fast way to get paid by international clients, saving them money on fees.
To receive payments from all over the world, open USD, GBP, and EUR accounts. Also, you can pay anywhere with a virtual USD debit card.
You can now create invoices for clients with ease so you can concentrate on what’s important. Also, keep track of your paid and pending invoices for future evidence.
Get your Geegpay account running in 3 easy steps.
1) Create an account using your real name and check your email for a code.
2) Confirm all the details like your profile, bank, job, and ID verification.
3) Get your bank accounts and debit cards set up.
With Geegpay, you can start getting your money like a professional that you are. Open up a foreign bank account to avoid delays and fees!
8. Chipper Cash Virtual Dollar Card: Shop, Stream, and Subscribe
One of the best virtual dollar cards built for digital life.
The Chipper card is a brilliant choice if you often pay for stuff or need a trustworthy way to pay online in US dollars. It’s easy to use, has fair limits, and the fees are alright.
It is a virtual prepaid card you can load money onto for online purchases anywhere in the world.
You can load the card from your Chipper wallet. You can use this card online like your regular card.
1) You can use your Chipper Card to buy stuff online anywhere Visa works.
2) Spend your money well. Don’t spend more than what’s on your card.
3) Get it all: shop, stream, subscribe, worldwide. Use your Chipper Card to shop anywhere online.
If the price is your major concern compare the exchange rates from NGN to USD for today with others. Sometimes that extra cost is a lot!
8. Bitsika Virtual Card: Create in 5 Minutes
The Bitsika Virtual Card is a digital Visa debit card, like a real one, but it’s only online. Your debit card only lets you spend what you have, because the money comes straight from your account.
Video: Watch how to create virtual visa cards with USDT in Nigeria.
You can use these Visa cards all over the world for online stuff, and they work with Apple Pay, Google Pay, and PayPal. Use Bitcoin or USDT to add funds right away and control everything in the Bitsika app.
Here’s why Bitsika is one of the best virtual dollar cards in Nigeria.
1) You can use Bitcoin or USDT to put money on your Bitsika card through BTC, ERC20 or BEP20.
2) You don’t need to share any documents or verify your info to use a Bitsika Virtual Card.
3) Your Bitsika card works with Apple Pay, Google Pay, and PayPal for easy online payments.
4) Using a Bitsika Virtual Visa card is a super safe and private way to pay for OnlyFans.
5) You’re in charge of your virtual cards with Bitsika. Freeze or unfreeze them right away, and make as many as you want.
9. Nigeria Banks Dollar Cards
These are dollar cards issued by your Nigeria banks.
Do you know that some of the commercial banks in Nigeria also issue virtual dollar cards? Yes, you can buy things online with no limitation.
All you need is a domiciliary account. A dom account is an account type that operates in foreign currency either savings or current.
Even if you are getting any other virtual dollar cards in Nigeria listed above, try to open a dom account with your bank. It’s helpful when using apps that make you real money in Nigeria.
It is as simple as you opening a normal saving account. All you need is your ID card and two references from any current account holders. Afterwards, you can request for your USD card for that account.
So, walk up to any bank (preferably your current back) and inquirie on their requirements.
FAQs on Cheapest Virtual Dollar Cards In Nigeria
What is a virtual dollar card?
It is digital version of a USD physical bank card, popularly called ATM card. It enables you make payment on any site in the world without restrictions.
How do I get a virtual dollar card?
Login to any of the virtual card providers and follow the instruction on the dashboard to create your card. Before you fund, confirm their current fees.
Where can I use virtual dollar card?
You can use your virtual dollar cards to make payment on any site in the world. From Namecheap, Aliexpress, Netflix, and more.