Best Virtual Dollar Cards In Nigeria

10 Best Virtual Dollar Cards In Nigeria For 2023 (Top Picks)

Sadly, most Nigerian banks have suspended international transactions on naira cards, which means payments across borders can't be performed with most local ATM cards any longer.

While cross-border transactions are becoming more common in Nigeria due to the increasing demand for online shopping and digital transactions.

Best Virtual Dollar Cards In Nigeria

With the rise in international transactions, there is a need for safe, secure and reliable payment solutions to pay for subscriptions, renewals and all. One of the best payment solutions for cross-border transactions is virtual dollar cards.

Disclaimer: Please note that the options listed here are recommendations and should not be considered endorsements. It is important to conduct your own research before deciding to use any of them.

1. Chipper Cash

Chipper Cash

Chipper Cash offers a free and reloadable virtual Visa card for international online transactions. The card functions like a physical debit or credit card and can be used anywhere Visa is accepted. To acquire a card, users need a Chipper Cash account and identification. The card has a daily limit of $1,000 and a monthly limit of $4,000 and can be activated within five minutes on the Chipper app.

Users can also freeze or unfreeze the card and view its details on the app. Chipper Cash has issued over 300,000 virtual cards and processed over $1.5 billion in total volume per quarter, making it a secure and convenient option for international online transactions.

2. Payday


Payday is a financial technology company offering a pre-funded and reloadable virtual dollar card that can be used for international online transactions with a maximum daily spending limit of $4,000 and a monthly limit of $120,000. Users can create their own virtual cards using the Payday Global Mastercard app. Payday also offers a virtual USD, GBP, and EUR account for secure and convenient global money management, providing access to a variety of financial services. Compared to Chipper Cash's virtual card, the Payday virtual dollar card has a higher spending limit.

3. Payoneer


Payoneer provides online payment services, including virtual and physical prepaid cards for global payments. The Payoneer virtual card is a digital payment card available in USD, EUR, and GBP currencies, and is used for online transactions. It is important to note that Payoneer imposes limits on certain transactions, such as large and extra-large business transfers and payments for payment requests. The daily spending limit for the virtual card is up to $5,000 USD/EUR/GBP.

Also Read: How To Pay For Bluehost In Nigeria

4. Changera


Changera is a social fintech platform that offers virtual dollar cards for cross-border transactions without monthly spending limits. Users are allowed to send and receive money globally and securely. It provides working dollar virtual cards with over $10,000 limits, which can be funded with local currencies.

Users can fund their virtual cards with local currency and use them for online purchases, international tuition, subscriptions, and travel expenses. Changera also provides virtual bank accounts in Dollars, Pounds, and Euros for making and receiving global payments, as well as multi-currency wallets for holding cash.

5. GeegPay Africa

GeegPay Africa

GeegPay Africa is a digital financial platform for the African gig economy that allows users to create virtual bank accounts in USD, GBP, and EUR to receive foreign payments. The platform provides seamless invoice automation, and competitive exchange rates, and offers virtual and physical cards, as well as lifestyle benefits.

You need to create an account, complete KYC verification, and be charged 1% of the amount received with different exchange rates for different currencies. While GeegPay Africa conducts reviews of high-risk transactions and may withhold payments during a review, the platform has received positive reviews for its seamless transactions over time.

6. Skrill


Skrill Virtual Card is a prepaid card that enables online purchases and payments using Visa or Mastercard. The first virtual card is free, and there are no fees for online transactions. Deposit fees range from 1% to 2.5%. Withdrawal limits vary based on the user's VIP status, ranging from €900 to €3000. Skrill Virtual Card is issued by Community Federal Savings Bank, member FDIC, under a license from Visa U.S.A. Inc.



ALAT Virtual Dollar Card is a prepaid digital card that can be created on the ALAT app and used to make online payments and purchases on websites and applications that accept Mastercard or Visa dollar cards. The card is funded with dollars converted from Naira in the user's ALAT account at the current bank rate and has a maximum limit of $20,000. ALAT is a fully digital bank in Nigeria, and the card can be created and used securely on users' phones.

8. Neteller

Neteller is an online payment system that offers a prepaid Mastercard, called the Net+ Virtual Prepaid Mastercard, for online transactions and purchases. The virtual card automatically deactivates once its limit is reached to protect account funds. The first card is free, subsequent cards cost $2.50 USD. Verified users can make ten point-of-sale purchases every 24 hours with an overall value cap of $7,000, but withdrawal limits vary depending on multiple factors.

9. Grey

The Grey Virtual Card is a digital USD Mastercard for making online payments with a USD balance that can be funded with local currency. It has a one-time creation fee of $2. The card can be used to make foreign payments. It is not for physical card transactions or cash withdrawals. It's important to note that a virtual dollar card is a dollar-denominated non-physical card for making payments online and not for physical card transactions like the withdrawal of cash.

10. Ecopayz

Ecopayz is an e-wallet payment provider aimed at online shoppers. It offers a virtual MasterCard for Nigerians which can be used for secure online payments, linked to their Ecopayz account, and has advanced security features for financial control. Other options for Nigerians include Skrill with low fees and LeoPay which provides a plastic card for multiple purchases.

One of the advantages of using the Ecopayz virtual card is that it provides total control over your finances, not only of your spending but also your security with advanced security features that are easy to manage in your account. You have control over your spending and instant access to your Ecopayz account funds, and you can top up your balance anytime, anywhere

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