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The Best 15 Arbitrage Virtual Dollar Card Providers in Nigeria – May 2023

The emergence of various financial service providers has enabled the increasing adoption of virtual dollar cards in Nigeria. While some fintech companies are suspending the operations of virtual dollar cards in the country, other providers of this product are coming to the fore of offering you a wide range of options for virtual dollars.

A virtual card can be likened to a physical card in terms of appearance but you can only use virtual cards for online transactions. As the focus of this article is on virtual dollar cards, it is noteworthy to understand what a virtual dollar card is and its importance.

What Is A Virtual Dollar Card?

A virtual dollar card is a non-physical card that is dollar-denominated to enable online payments. You can use a virtual dollar card in Nigeria when you are unable to use naira-denominated credit or debit cards in Nigeria.

The advent of virtual dollar cards in Nigeria is to better improve online shopping and payments among Nigerians that use international platforms like Alibaba, Amazon, Ali Express, Facebook, Netflix, and whatnot. For instance, your Nigerian ATM cards won’t enable you to make purchases or subscriptions on digital platforms like Apple Music. But you can achieve that with virtual dollar cards because they do not have restrictions.

One benefit of virtual dollar cards is that you do not have to go to a bank to get them. You can get a virtual dollar card via an app on your smartphone. Also, getting a virtual dollar card comes with ease, unlike a physical dollar card which you can use across Nigerian banks for making payments. But you need a domiciliary before you can have the card, which can be stressful with its documentation process.

Today, there are many in Nigeria providing virtual dollar cards for Nigerians. Therefore, you will always find one that perfectly meets your needs while you can decide to have multiple virtual dollar cards in Nigeria.

Criteria For Selecting Virtual Dollar Card Providers In Nigeria

There is a need to look at some features of virtual dollar card providers in Nigeria to make an apt decision on whether the product will suit your needs at the time of use.

1. Security

The security of payments or transactions must be paramount to any virtual dollar card provider, as nobody wants to risk the loss of money in the process of making online transactions. This is why you must take a keen look at the security framework put in place to ensure there is no data breach on your virtual card when you are using it online.

2. User-Friendliness

We all want to use a platform that has easy navigation without some complexity of features that would make such a platform unsuitable for beginners. So ensure you choose a virtual dollar card provider that has a simple and easy user interface that can help you achieve your payment process with little or no aid.

3. Accessibility

Your virtual card provider must meet some terms of accessibility with responsive customer support that is readily available to resolve your queries. Also, the virtual dollar card must avail you to make international transactions or payments without border or time restrictions.

4. Card Limit And Fees

These are a criterion you must take to the cognizance of to help you on how optimally the virtual dollar card is going to meet your online needs as far as making payments are concerned. While some cards have a card limit of $1000, others can be up to $10,000.

You must also take a look at the transaction fee to inform you of how much the virtual dollar card provider will charge you when you use the virtual dollar card for your transactions.

The Top 15 USD Virtual Cards That Work In Nigeria

Listed below are Nigeria’s best virtual dollar card providers that enable you to make online payments for products and services:

  1. Chippercash
  2. Cashbuddy
  3. Padiepal Master Card
  4. Payday virtual dollar card
  5. Fundall
  6. Bitsika virtual card
  7. Carbon
  8. Eyowo
  9. ALAT By Wema card
  10. Gomoney virtual card
  11. Mintyn
  12. WalletsAfrica
  13. Changera
  14. Kuda bank card
  15. Barter card By Flutterwave

Let’s take a deep dive into each of them to analyse the benefits and drawbacks so you can make the best decision in choosing which card is best for you.

1. Chipper Cash

Chipper Cash virtual dollar card

Chipper Cash provides virtual dollar cards that enable you to make online international transactions. You can fund a Chipper Cash Visa virtual dollar card from your Chipper wallet and this is free. You should know that the way you use this virtual card is analogous to the way of using physical credit or debit cards.

The maximum daily withdrawal on the Chipper virtual dollar card is $1,000, although there is no limit for a total withdrawal from the card. You can find your card with a funding daily limit of $1,000 and your maximum monthly withdrawal limit is $5,000. Need to mention that Chippercash is legit, in case you’re wondering.

2. CashBuddy

You can have a CashBuddy virtual dollar card that enables you to make payments on platforms like Apple Music, Facebook, Amazon, Instagram, and Skrill. As such you can use the platform to make and receive payments in Africa.

You will be charged $3 when you want to have a CashBuddy virtual dollar card, but the transactions are free. Your maximum funding of the virtual card is $10,000, both daily and monthly.

3. Padiepal Master Card

Padiepal is the final solution, the one stop shop for every corporate in need of an easy approach to cater their banking needs. The one stop solution for clients in need of a banking solution, completely online, debit cards and if required, a payment gateway for your ecommerce needs, international card processing. Padiepal market approach is focused on delivering services where the banking/fintech industry fails to cater.

4. Payday

You can use Payday to send and receive instant international payments. This platform also has a virtual dollar card for making international purchases and online payments at your convenience. Also, you can open foreign accounts in the currencies of US dollars, British pounds, and euros at no cost.

There are no funding or withdrawal limits when you use Payday virtual dollar card, which enables you to use the virtual card at your discretion. Moreover, Payday virtual dollar card review posits that a card is a great option for virtual card users.

5. Fundall

Fundall is a virtual dollar card provider in Nigeria that has a dollar-denominated virtual card that enables you to make international payments without cross-border restrictions.

You can create a virtual dollar card on the Fundall app, which is free for a first-time virtual card creation. Another feature of Fundall is that you can easily generate multiple virtual dollar cards to enable you to make a one-off payment for active transactions.

However, you need to fund your virtual dollar card with as low as $5 (in naira equivalent) to enable you to start using the virtual card.

6. Bitsika

Bitsika is a payment platform that enables you to send and receive money between Ghana and Nigeria. When you create a Bitsika account, you automatically have a Bitsika wallet that you can fund and use to make transfers to other Bitsika wallets or make other payments within Ghana, and by extension to Nigeria.

Bitsika has a virtual dollar card that enables you to make transactions, but you have to download a Bitsika app to get started.

7. Carbon

Carbon used to be a digital lender that has morphed into one of the top digital banks in Nigeria. You can now use Carbon for different payments and transactions. This includes money transfers, bills payment, instant loans, etc.

Carbon users can also use Carbon virtual dollar cards to make payments at online international trading platforms and other offline channels that support virtual dollar cards. The Getcarbon virtual card review underscores some level of confidence in using this platform for both local and international payments.

8. Eyowo

Eyowo is a fintech company dubbed a digital bank that enables its customers to send and receive money and make bill payments with their phone numbers. When you use Eyowo, you can access physical cash without necessarily having to use your ATM card.

This platform also offers a virtual dollar card which you can get for as low as $1, and there is no funding limit for your Eyowo virtual dollar card.

9. ALAT By Wema

ALAT virtual dollar card

ALAT virtual dollar card is a digitised card designed by ALAT, which is a digital platform regulated by Wema Bank. This virtual dollar card enables you to make purchases from international trading platforms like Facebook, Amazon, Shopify, etc.

You can create an ALAT virtual dollar card for free and you can fund your card for as much as $20,000, which you can do from your naira account. In the meantime, you can convert your dollars back to naira when you choose to do that.

10. Gomoney

Gomoney is a payment platform that enables peer-to-peer (P2P) payment and third-party services. You can easily use this platform at your convenience while making international payments.

To get a Gomoney virtual dollar card, you will have to upgrade your account to tier 2, and you can from here pay online (locally and internationally). However, your virtual dollar card limit is a function of the tier level of your Gomoney, which is why understanding the Gomoney virtual card review is important for its new users.

11. Mintyn Bank

Mintyn Digital Bank provides products and services that are in a way similar to that of traditional banks. One such is a virtual dollar card that enables you to shop for different products across the world.

You can use Mintyn’s virtual dollar card to send and receive money while you conveniently use international platforms like Facebook, Netflix, Amazon, Apple Music, etc. One major requirement of having a virtual dollar card on this platform is to fund your Mintyn account.

12. Wallets Africa

Wallets Africa is a platform that provides virtual and physical cards in naira and dollar denominations. Virtual dollar cards are helpful if you are a travelling enthusiast that considers physical cards unsuitable for your purpose.

Wallets Africa virtual dollar card is safe to use and the card comes with a monthly maintenance fee of $1. The platform also charges $0.75 as a fee for foreign transactions with a 2% fee to fund your virtual card from an external account.

13. Changera

Changera is a payment platform that provides various products and services, including virtual dollar cards. Changera customers can use the virtual dollar card to make different online payments on any trading platform across the globe, and Changera is worth the hype because of the low fees it charges when you use a Changera virtual card.

As a Changera user, you have the choice of accessing a varying model of its cards. Its users with a free plan can create virtual dollar cards to make payments for payments or other transactions.

14. Kuda

Kuda is a Nigerian digital bank that enables swift payment processes across Nigeria. One of its products is a virtual dollar card, which you can access on its mobile app. You can use Kuda virtual dollar card to send and receive money in US dollars instead of using a domiciliary account with traditional banks.

15. Barter By Flutterwave

Barter virtual dollar card

Flutterwave is a popular payment platform that has created a Barter app to enable fast money transfers. You can use this platform to buy cryptocurrencies, make money transfers, and whatnot. You are eligible to have a virtual dollar card once you have money in your account.

You must have a minimum of $5 in your account to create a Barter virtual dollar card. The cost of every virtual card is $2 with a monthly fee of $1 to get your card active.


Virtual dollar cards are great alternatives for making payments in online transactions. This is because this virtual card enables you to make purchases for your preferred products without restrictions.

Therefore, the above list of virtual dollar card providers in Nigeria has given you an overview of how to bolster online international transactions.

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