A virtual dollar card is the solution every Nigerian needs to make international payments, since Nigerian bank cards have previously been restricted from making such transactions. Whether you are a freelancer looking for how to pay for Upwork connects, subscribe to platforms like Twitter, or pay for Facebook Ads, a virtual dollar is your go-to option.
To help you pick the right one, this guide highlights the top five virtual dollar card providers in Nigeria. You’ll also get a breakdown of their card creation fees, maintenance charges, and spending limits—so you can easily choose the one that fits your needs best.
5 Best Apps That Offer Virtual Dollar Cards in Nigeria
The best platforms in Nigeria that offer virtual dollar cards with low card creation fees, little to no maintenance fees, and flexible spending limits are Cardtonic, TribaPay, Zed, Spectrocard, and DanTown.
| S/N | Provider | Card Creation Fee | Maintenance Fees | Monthly Spending Limits |
| 1 | Cardtonic | $1.5 | Zero | No limit |
| 2 | TribaPay | $4 | Zero | Depends on the card type |
| 3 | Zed | $3 | Zero | Not specified |
| 4 | Spectrocard | $3 | Zero | Not specified |
| 5 | DanTown | $1 | $1 monthly | No limit |
1. Cardtonic:
If you’re looking for a virtual dollar card that’s accepted on different international platforms, the Cardtonic virtual dollar card is your best bet. This card is globally accepted on various platforms that accept Visa or Mastercard, allowing you to easily make online payments on any international platform without fear of rejection.
Cardtonic also offers a Naira funding approach that allows you to fund your virtual dollar card with Naira, which eliminates the stress of creating a domiciliary account.
All you need to do is create a virtual bank account on Cardtonic, fund it with Naira, and the platform will handle the currency conversion for you; then you can proceed to make your international payments without any hassle.
One of the reasons thousands of Nigerians prefer to use the Cardtonic virtual dollar card is that it offers all these top-notch services for only $1.5 without any maintenance or hidden fees.
Customers can also sell and buy gift cards at affordable rates, buy premium gadgets, and pay bills, all on the Cardtonic app, serving as a one-stop shop for all digital needs.
The process of creating a virtual dollar card on Cardtonic is straightforward. Simply download the Cardtonic app, sign up for an account, fund your wallet, and create your virtual dollar card instantly. Then, you can proceed with using it for your international payments without any delay.
2. TribaPay:
This is another reliable virtual dollar card provider that allows you to make international payments even while in Nigeria. Whether you want to subscribe to platforms like Netflix, Apple Music, or Canva, the TribaPay virtual dollar card allows you to do all of that with ease.
TribaPay also supports the creation of multiple virtual dollar cards for different purposes. This means you can have a virtual dollar card for making business expenses and another one for handling personal subscriptions, giving you flexibility and allowing you to track your expenses easily.
3. Zed:
The Zed virtual dollar card is another option to consider if you need a card that allows you to make international payments without fear of failed transactions. The platform offers a 90% success rate that guarantees a smooth process when making your international payment with their virtual dollar card.
Another rare benefit that Zed offers is the no-declination fees policy. This means you won’t be charged if your card is declined for any reason, giving you total peace of mind.
4. SpectroCard:
With your BVN, personal information, and a $3 card creation fee, you can create a universally accepted virtual dollar card in a few minutes on SpectroCard. This virtual dollar card’s global acceptance enables you to easily make payments and subscribe on international platforms like Netflix, Spotify, Amazon, Meta, etc.
SpectroCard offers two flexible options to fund your virtual dollar card. Funding it with Naira without conversion hassle or using cryptocurrencies like Bitcoin, Ethereum, etc.
5. DanTown:
This is one of the cheapest virtual dollar card providers in Nigeria. DanTown allows you to get a virtual dollar card for as little as $1 with a maintenance fee of $1. Using the DanTown virtual dollar card also comes with no restrictions, allowing you to make payments on any platform and spend your money without any limit
DanTown offers speedy processing of online payments, allowing you to pay your bills and make international payments without any delay.
Frequently Asked Questions About Getting a USD Virtual Card in Nigeria
1. What is the Best Virtual Dollar Card in Nigeria?
The best virtual dollar card to use for international payments in Nigeria without restrictions is the Cardtonic virtual dollar card.
2. Which Virtual Dollar Card Works in Nigeria?
The Cardtonic virtual dollar card works well in Nigeria. Whether you want to make payments on international platforms like Amazon or subscribe to platforms like Netflix, Spotify, and more, the Cardtonic virtual dollar card allows you to do so with optimum convenience.
3. Where Can I Get a Virtual Dollar Card in Nigeria Online?
You can get a virtual dollar card on online platforms in Nigeria, such as Cardtonic. With a one-off card creation fee of $1.5 and zero maintenance cost, you will get a globally acceptable virtual dollar card on Cardtonic.
4. Can I Use a Virtual Dollar Card for Facebook and Google Ads?
Yes, you can use a virtual dollar card to pay for Facebook and Google ads. The Cardtonic virtual dollar card allows you to do so without facing rejections or getting failed transactions.
5. What is the Cheapest USD Virtual Card in Nigeria?
The cheapest USD virtual card in Nigeria is the Cardtonic virtual dollar card, allowing you to get one for as low as $1.5 with free maintenance.
Conclusion
The restrictions on Nigerian bank cards shouldn’t stop you from making international payments when you can use a virtual dollar card.
This guide has shown you the best five USD virtual cards in Nigeria, with the Cardtonic virtual dollar card taking the lead based on its global acceptance, low card creation fee, and Naira funding option.
Other platforms like TribaPay, Zed, Spectrocard, and DanTown also offer reliable virtual dollar cards in Nigeria. However, if you want a hassle-free process when making international payments, the Cardtonic virtual dollar card is your best bet.
