The best virtual dollar card apps and providers in Nigeria grew to an all-time high, exceeding 10 apps and providers in the year 2024. It can be convenient to use a Nigerian debit or credit card to make online purchases. However, if your card was issued in the naira currency, it might be challenging to use it for international transactions.
Transactions such as those with foreign service providers like Amazon, Google, Facebook, Netflix, or Spotify won’t be able to process your transactions using naira issued cards. In cases where they can be processed, your bank may have set a limit of $20 per month for such international transactions.
It has been a challenging time for Nigerians to access foreign currencies, let alone access them at a favorable rate. There have been cases of late payment of tuition fees for international students, as well as missed deadlines for other personal transactions.
There has also been a great inability to make online international purchases, which are a result of the scarce foreign currencies within the country. In that light, most virtual dollar card apps and providers have suspended their services pending the improvement of the situation.
Many Nigerian customers are somewhat disturbed, since they rely on these platforms to pay for services on big-name websites such as Amazon, Netflix, Spotify, and Facebook. This is usually frustrating, especially in light of Nigerian banks’ $20 daily cap on overseas transactions.
In this article, billzonthestreets has taken the time to list alternative virtual dollar card apps and providers that are still functional at this time. Read further below.
Functional Virtual Card Apps and Providers in Nigeria
Contents
Further below, we have compiled a list of several virtual card apps that enable you to make international payments in foreign currency, by setting up a virtual card using the local currency.
PSTNET
PSTNET offers unique virtual cards for payment, enabling the purchase of goods and services worldwide, as well as efficient management of advertising accounts. The assortment includes virtual Visa and Mastercard cards, available in dollars and euros.
Registration is made easy and can be done through Google, Telegram, and WhatsApp accounts, as well as through an Apple account, email, and password. The acquisition of the first card does not require the submission of documents, but it is limited to a $500 limit. To remove all limits, a simple verification with a passport photo is sufficient.
Using PSTNET virtual cards opens up broad possibilities: they are suitable for purchasing goods, and services, and paying for subscriptions on platforms like AliExpress, eBay, Spotify, Netflix, Facebook, Steam, and others.
The cards can also be used for payments in online stores such as Epic Games Store, Google Store, Apple Store, Microsoft Store, and many others. Cards can be topped up via bank transfers, credit cards, or using cryptocurrencies. All cards are reloadable, and some support 3DS authentication.
To obtain a virtual card from PSTNET, you need to register with the service using your email or any other available method, and a virtual card will be accessible to you.
Sudo.Africa
Sudo. Africa is an API service that gives people, programmers, and companies more control and flexibility when issuing real and virtual cards on a large scale. Clients can use the virtual dollar card offered by Sudo.Africa to pay for any service, anywhere, at any time.
Sudo. Africa develops the appropriate abstractions so that programmers or startup programming teams won’t have to spend months integrating several systems. The process to obtaining a virtual dollar card from Sudo. Africa is quick and simple.
To create a virtual card on Sudo.Africa all you need are the following:
- Biodata.
- Bank Verification Number.
Wallets Africa
A Nigerian firm called Wallets Africa provides both digital and physical naira and dollar cards. Given their genuine nature, these credit cards are excellent for travel. Digital/physical dollar cards from Wallets Africa are dubbed Magic Visa cards, and they let users receive and send money online for free. They also offer cashback and reduced transfer fees.
This digital wallet is completely risk-free for travellers who don’t want a real card to be visible while they’re out and about. Your billing information will remain secret if you only supply your email address at checkout.
This has a cost attached to it, as your card has a $1 monthly fee, a $0.75 fee for each international transaction, and a 2% fee for external account loading. To get Wallets Africa’s Magic visa cards, you need to fill in the following
- Biodata.
- Bank Verification Number.
- A valid means of identification
Chipper Cash Virtual Dollar Card
Chippercash makes sending and receiving money across and beyond Africa, easy and accessible. A pre-funded, reloadable virtual Visa card called the Chipper Cash Card can be used to make purchases anywhere online.
The card functions similarly to how your local bank card functions online. The card is accepted everywhere Visa cards are accepted for online purchases. Tier 1 and Tier 2 wallets/accounts are available on Chipper Cash. While the app’s tier 2 wallet gives you access to more functions, the tier 1 wallet has numerous restrictions.
According to Chipper Cash, 5% cash back is offered on all purchases. Users also enjoy free transfers and low cross-border rates. An African unicorn, ChipperCash is trusted by more than 4 million people. To sign up for Chipper Cash, you need the following:
- Biodata.
- BVN to link any of your other bank accounts.
- A valid means of identification.
Fundall
Fundall offers both personal and commercial customers a wide range of financial services, including loans and savings accounts. This is in addition to bank accounts and budgeting tools. They just introduced a virtual dollar card that allows users to spend money online without restrictions.
The first card is available for free with a $5 minimum load. The virtual dollar card can be used for online purchases on Shopify, and Amazon, paying for Netflix streaming or using business services like Facebook Ads.
Other Virtual Dollar Card Apps and providers in Nigeria are listed below. Their services are currently suspended, but they will be restored in the near future.
ALAT By Wema
Wema Bank, a commercial bank operating in Nigeria, manages the digital-only brand ALAT. It provides a full range of financial services, including bank accounts, actual debit cards, savings accounts, and loans, and is among the top virtual dollar cards available in Nigeria.
Once your account is established and funded, you can load up to $20,000 onto your card directly from your Naira balance and, if necessary, convert the dollars back to Naira. However, it is incompatible with 3D Secure and cannot be used on websites that facilitate money transfers.
Eversend Virtual Dollar Card
Eversend is a Uganda-based startup that offers a multi-currency account in several African countries, including Nigeria. Due to its flexibility in moving money across borders, the digital banking software Eversend makes banking simple and stress-free. With this application, you can transfer and receive money instantly.
You can also pay bills quickly, and make international online purchases from the comfort of your home. It also offers a variety of other features. In addition to a $1 monthly maintenance fee, cards will cost $1 to create.
Last Words
Having to choose a suitable virtual dollar card app and provider depends on a variety of factors. Are you looking for a separate card without any ties to other accounts? an entire package for Internet banking? minimal fees?
Answers to these questions will help you narrow down your choice for what virtual card apps and providers to patronize. Let us read more options in the comment section if we omitted any.
