In March 2022, many Nigerian banks reduced the Naira debit card’s international limit from $100 to only $20. This means Nigerian Naira debit card holders can not make international transactions of more than $20 per month. As a result, many Nigerians had to turn to Virtual Dollard Card providers. Even before then, international service providers like Netflix, Spotify, Google, Facebook, and many others were not accepting the Naira debit card as a form of payment. If you are a business owner or a freelancer in Nigeria, owning a dollar card is a must. Moreover, many Nigerians need dollar cards for personal international online transactions.
What is a Virtual Card?
A virtual card is a credit or debit card that can be used online. It has all the same features as a regular card, but it is not physically issued. Instead, the cardholder’s information is stored securely online. To use a virtual card, the cardholder must first load money onto the card. Then, they can use the card to make purchases anywhere that accepts credit cards. Virtual cards are especially useful for shopping online since they provide an extra layer of security.
10 Best Virtual Dollar Cards Working In Nigeria
1. Chipper Cash Virtual Dollar Card
- Type of card: Visa
- Daily Spending Limit: $1000 Maximum
- Monthly Spending Limit: $5000 Maximum
- Daily Funding Limit: $1000 (24 Hours)
- Monthly Funding Limit: $5000 Maximum
- Quarterly Funding Limit: $5000 Maximum
- Daily Withdrawal Limit: $1000 Maximum
Chipper Cash is one of the best dollar virtual card providers for Nigerians to shop online internationally. They offer a dollar-denominated virtual card that can be used for online shopping at international retailers. The card is linked to your Chipper Cash account, which can be funded from your Nigerian bank account.
In addition, Chipper Cash provides excellent customer service and has a very user-friendly app. You can also top up your Chipper Cash account from your Nigerian bank account using the Chipper Cash app. There are no fees associated with using the card which can be used anywhere that accepts Visa. What is more, you can link your Chipper card to PayPal.
2. ALAT Virtual Dollar Card
- Type of card: Visa
- Maximum Funding Limit: $20,000
ALAT Virtual Dollar Card is issued by Wema Bank, one of Nigeria’s leading banks. It is available to anyone with a Wema Bank account. There are no monthly fees or charges for using the card.
To get started, simply open a Wema Bank account and apply for the ALAT virtual dollar card using the ALAT app. Once you have been approved, you can use the card to make purchases online on websites and apps that accept Visa. There are no monthly fees or other charges associated with the card.
3. Flutterwave’s Barter Virtual Dollar Card
- Type of card: Mastercard, Visa
Flutterwave’s Barter card is one of the best on the market, and it’s perfect for Nigerians who want to make seamless online payments.
The Barter card can be used anywhere Visa and Mastercard are accepted. That means you’ll be able to use it at millions of online stores, as well as in person at stores and ATMs around the world.
One of the best things about the Barter card is that it has no fees. There’s no monthly fee, no transaction fee, and no currency conversion fee. That means you’ll be able to use your card without incurring any extra costs.
Another great thing about Barter card is that they offer customer support 24/7. If you ever have any problems with your card, you can rest assured that someone will be there to help you out.
4. Changera Virtual Dollar Card
- Type of card: Mastercard
- Daily Spending Limit: over $10000
Changera is an international money transfer app in Nigeria. The Changera app offers both physical and virtual dollar cards that can be used to shop online internationally. The card is available for Nigerians and can be used to make purchases in over 150 countries. Furthermore, the app is available for download for both iOS and Android devices.
5. Bitsika Virtual Visa Dollar Card
- Type of card: Mastercard
Bitsika is a social payment app available in several west African countries including Nigeria. In addition to its Virtual Visa Dollar Card, the app allows you to perform several financial transactions, including intra-African remittances, bill payments, crypto, and sending and receiving money. In addition, the app also allows you to socialize with family and friends who are also using the Bitsika app.
6. Virtual Dollar Card issued by Wallets Africa
- Type of card: Visa
Wallets Africa offers both physical and virtual Visa dollars cards. No account maintenance fees. They offer a variety of features that make them stand out from other providers.
Some of the features that Wallets Africa offers include a physical card, which can be used for shopping at physical stores, as well as a virtual card, which can be used for online shopping. They also offer a mobile app, which makes it easy to manage your account and keep track of your spending. In addition, Wallets Africa also offers a variety of discounts and deals on their cards.
7. Virtual Dollar Card issued by Fundall
- Type of card: Mastercard
Nigerian digital bank Fundall offers a virtual card that can be used for online shopping and for making international payments. The card is linked to your Fundall account and can be used anywhere Mastercard is accepted. The funds for the card are taken from your account balance, so there is no need to worry about credit limits or interest rates.
8. Geegpay Virtual Dollar Card
- Type of card: Visa
- Daily maximum funding limit: $1000
- Daily maximum spending Limit: $500
- Monthly maximum spending Limit: $5000
Geegpay is perfect for Nigerian freelancers to receive payments for their gigs. Being considered one of the best digital financial platforms for the Gig Economy, Geegpay makes it possible for Nigerians to create USD, GBP, and EUR accounts. with Geegpay’s endless possibilities, users can easily convert to their local currency at competitive exchange rates within minutes. In addition to spending globally with Geegpay virtual and physical dollar cards, users can money and receive money from overseas.
9. Virtual Dollar Card issued by Eversend
- Type of card: Visa
Eversend is an Uganda-based fintech startup providing different financial services including, currency exchange, cross-border money transfer, and multicurrency wallets. With Eversend Virtual Dollar Card, Nigerians can perform online transactions on several international websites, including Netflix, Amazon, Facebook, Google, and Twitter ads.
Eversend offers a very competitive exchange rate for its virtual dollar card. There are no hidden fees or charges associated with using the card. It is very easy to top up the card balance, and payments are processed very quickly.
10. Bitmama Virtual Dollar Crypto Card
- Type of card: Crypto debit card
Founded in 2017 as a P2P digital currency exchange platform, Bitmama swiftly grew into a platform where Nigerians can conveniently trade and manage digital assets. Currently, Bitmama offers a reliable platform for online cryptocurrency transactions. In addition, Bitmama seeks to build a blockchain technology that will redefine the way individuals do financial transactions.
With Bitmama Crypto debit cards, Nigerians can shop anywhere around the world with more than $5,000 in monthly liquidity.
Conclusion
In this article, we’ve looked at the 10 best dollar virtual card providers for Nigerians to shop online internationally. I hope you find this list helpful and that you’ll be able to find a provider that suits your needs. In case you did not find what you were looking for, you can check the lists of the best euro virtual card providers and the best international virtual card providers.