5 Best Virtual Dollar Card in Nigeria

virtual dollar card

What is Virtual Dollar Card?

A virtual USD card (dollar card) is a digital version of a USD card. A USD card is an instrument for making monetary transactions in which the cardholder is not physically in possession of the card. It is issued by a bank and can be purchased, reloaded, and monitored online.

How Does a Virtual USD Card Work?

Virtual dollar cards are one of the most convenient ways for people to get their hands on the currency. They work in a similar way to debit cards. The only difference is that, rather than swiping a card, you enter a code that is sent to your phone. This code is then used to transfer money from your bank account to the card. It’s also important to remember that virtual dollar cards are not free. They have a monthly fee attached to them. However, this fee is usually much lower than the fees that would be incurred if you were to transfer money using a debit card.

Benefits of a Virtual USD Card

A virtual dollar card is a card that can be used as a debit card, credit card, or ATM card. This card can be used in the same way as any other card, except that it is not physically present. It can be used to purchase items online or in person. Virtual cards are convenient because they are not tied to a particular bank. This means that you can use your card from anywhere in the world. You can also have the card replaced if it is lost, stolen, or damaged. Additionally, virtual cards are safer than regular cards.

The Top 5 Virtual USD Card in Nigeria

It’s a pity that Nigerian banks have limited the use of overseas spending on all naira MasterCards to $20 per month. Previously, most banks had a monthly usage limit of $100, however, this has been cut to $20, with other banks having a maximum of $50.

Getting a ‘Virtual Dollar Card’ is an excellent approach to deal with this spending limit. 

In this article, we have compiled the best virtual dollar card providers in Nigeria, where you can obtain one of these cards in order to make online payments. These virtual cards are funded in USD and may be funded by simply depositing naira into your virtual card account.

The Virtual Dollar Card is an online platform that allows you to buy and sell virtual currency. The best thing about this platform is that you can use it from anywhere in the world. It is also secure and easy to use. The Virtual Dollar Card also has a very low transaction fee.

1. Mintyn

mintyn virtual dollar card
mintyn virtual dollar card

The Mintyn Virtual Dollar Card is a non-physical dollar-denominated card used for online purchases. You can use your virtual card to pay for items on Amazon, Apple Music, Netflix, and other websites.

It is really simple to obtain a Virtual Dollar card. Simply log in to the Mintyn app and your Virtual Dollar will be activated in 1 minute. The Mintyn App allows you to manage your card in whatever way you desire. Your card’s security is entirely in your hands. With a single tap, you can do everything from deactivating a card to freezing it.

How to Obtain a Mintyn Virtual Dollar Card.

  1. Sign Up For Mintyn And Receive A Tier 3 Mintyn Account.
    Mintyn is available for free download from the Google Play Store for Android and the App Store for iOS. In about 3 minutes, you can create an account.
  2. Click Cards
    From the dashboard, select the Cards option.
  3. Activate your card
    You can load any amount onto your card at a low-interest rate.
  4. Pay all of your bills
    You can now pay for foreign services such as Amazon, Apple Music, Netflix, eBay, WordPress, and many others.


barter virtual dollar card

Barter virtual dollar cards enable you to make transactions and make purchases anywhere around the globe where your local cards are restricted. And that’s not all; you get to make up to five-dollar cards.

How to Get Barter Virtual Dollar Card.

  • Sign up for Barter by Flutterwave in your device’s app store.
  • Complete the KYC and user identification processes.
  • Fund your Barter account using your debit card or through a bank transfer.
  • Click on the “Create new card” button.

You can use all Barter credit cards anywhere online that debit cards are accepted, whether you create a specific custom card (e.g., a Netflix card or an ASOS card) or a basic multifunctional card.

Enter the amount you want to put on your dollar card. (Please keep in mind that there is a $2 card creation fee and a $5 minimum creation amount.)

To create a new card, you must have at least the equivalent of $7.)Dollar card limit for bartering: The daily limit on your dollar virtual card is USD20,000, and the current transaction limit is USD20,000.


alat by wema virtual dollar card

ALAT is a digital-only brand owned and operated by Wema Bank, a Nigerian commercial bank. It provides a full banking package, including a bank account, a debit card, savings, loans, and, yes, one of Nigeria’s best virtual dollar cards.

Looking for a quick and easy way to use your Dollar Domiciliary Account?

ALAT by WEMA Virtual Dollar MasterCard is linked to and enables rapid access to monies in your dollar domiciliary account for foreign transactions.

With this card, you have virtually endless options whether you’re spending/shopping overseas or online. You also have complete control over your international spending limits, which you can set at any time.

How to Obtain ALAT Virtual Dollar Card

  1. Log in to ALAT via mobile or web, then choose Cards from the Main Menu.
  2. When you click on ALAT Dollar Card, you will be taken to a settings page where you must Create a New Card.
  3. Input all required information, to proceed.
  4. The Virtual Dollar Card can be used to make payments on any platform, including those that do not accept Nigerian bank cards.

THIS CARD IS NOT VALID FOR USE ON 3D SECURE SITES OR FOR MONEY TRANSFERS. ALAT virtual dollar card rate: Just like physical bank cards, payments made with your virtual card are subject to a small fee.

4. GoMoney

gomoney virtual dollar card

Gomoney is a digital bank in Nigeria and one of the few Virtual Credit Card issuers in Nigeria that makes payment easier for business owners and customers who want to make purchases on international websites.
You can easily send and receive money in Nigeria with Gomoney. And getting a Gomoney virtual card is very simple; simply open an account with them and upgrade it to level 2.

You can link your Gomoney virtual card to your Paypal account, make payments in USD, and use it to make local payments in Nigeria. You can download the app for Android and iOS by clicking on the app icon shown below. You can download the Gomoney app for Android and iOS by clicking on the app icon shown below.

How to Apply for a Gomoney Virtual Dollar Card

  • Install the Gomoney app on your iOS or Android device.
  • Sign up with your phone number and then confirm the OTP code.
  • After you’ve confirmed the OTP code, enter your BVN and confirm the code sent to your BVN registered number.
  • To get a Gomoney dollar card, you must first upgrade your account to level 2, which you can easily do by submitting a valid form of identification.

5. Eyowo

eyowo virtual dollar card

Eyowo is an online platform in Nigeria that allows you to create a virtual dollar card. You can load your Eyowo dollar card with as little as $1. It is suitable for small and medium-sized businesses. Creating an Eyowo virtual dollar card is completely free. Your subsequent virtual dollar cards, on the other hand, will be charged at $0.50.

Eyowo’s Virtual Dollar Card: How to obtain One
In order to create an Eyowo virtual dollar card in Nigeria, follow these steps:

  • Visit the Eyowo website or get the Eyowo app from Google Play.
  • Click Register and enter your phone number.
  • Enter your personal information, including your BVN.
  • Then, on the dashboard, choose Eyowo dollar Cards.
  • Enter the name you want to be associated with the dollar card.
  • Fill in the amount you want to put on your virtual dollar card.
  • Then click the “Create Card” button.

Shopping online may be quite stressful, especially when you know you have spending limits if you use a Nigerian debit or credit card. The CBN imposed a $100 restriction on naira cards, making payment on websites that accept USD extremely difficult (or its equivalent in foreign currencies). Understanding the advantages of obtaining any of the virtual dollar cards mentioned above removes the barrier erected by the government.

That being said, if you’ve attempted to make a payment with any of the virtual dollar card companies listed above, please share your experience with us. Alternatively, you might share your experience with their mobile app in the comments section below.

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