10 Best Virtual Dollar Cards for Nigerians You Should Try

With the rise of international payments, streaming subscriptions, and online shopping, more Nigerians are turning to virtual dollar cards as a reliable solution for global transactions. 

These digital cards are easy to create, secure, and accepted on international platforms like Amazon, Netflix, and Apple Music helping Nigerians bypass FX restrictions and enjoy borderless spending.

If you’re looking for the best virtual dollar cards to use in Nigeria, this guide breaks down ten trusted options worth considering.

Cardtonic Virtual Dollar CardCardtonic’s virtual dollar card is well-known for being affordable and easy to use. With just $1.50, you can create a Mastercard or Visa card that supports spending in USD. There are no monthly maintenance fees, and funding starts from $5. You can load your wallet with naira and get your card instantly via the app.

Best for: First-time users who want low-cost, no-fuss access to international payments.

Vesti Virtual Dollar CardVesti stands out for its focus on Nigerians planning to move abroad. Their virtual card is designed for smooth international transactions in the U.S., UK, or Europe. A $10 initial deposit is required, but the card has zero maintenance fees. It’s a smart choice for students or professionals preparing for relocation.

Best for: Nigerians abroad or planning international migration.

ALAT by Wema Virtual Dollar CardAs Nigeria’s first fully digital bank, ALAT by Wema offers one of the most user-friendly virtual dollar cards. It’s completely free to create, with no recurring fees. You’ll need to open a digital account and verify your BVN, but once you’re in, you can fund the card from your ALAT balance and start transacting globally.

Best for: Zero-fee users who want a seamless, bank-backed experience.

GeegPay Virtual Dollar CardGeegPay is great for freelancers and digital entrepreneurs. For $3, you get a customizable virtual card with no maintenance charges. You can personalize the card’s appearance and choose your preferred currency. It’s especially useful for receiving payments from international clients and managing USD balances.

Best for: Freelancers and remote workers.

Eversend Virtual Dollar CardEversend offers flexibility with two card plans: a free one with a $1 monthly fee, and a one-time $3 option with no future charges. With a minimum load of just $1, it’s one of the cheapest ways to start using a virtual card. Users can easily fund from multiple wallets and convert to dollars within the app.

Best for: Budget-conscious users who want flexible fee options.

GoMoney Virtual Dollar CardThis digital banking platform offers its first virtual dollar card free of charge, with no monthly fees. You’ll need a valid ID and BVN to register. Once set up, you can start spending in USD without worrying about extra costs or surprise deductions.

Best for: New digital bank users and those seeking long-term no-fee cards.

Chipper Cash Virtual Dollar CardChipper Cash provides a reloadable card for $3, with a $1 monthly maintenance fee. It supports international payments, although small fees apply to certain transactions. The platform is popular for its simplicity and broad African user base, making it a solid choice for cross-border payments.

Best for: Users already on Chipper Cash looking to expand their payment options.

Grey Virtual Dollar CardGrey’s card targets freelancers, travellers, and remote workers who get paid in foreign currencies. The creation fee is $4 with no recurring charges. You can fund it with naira or other currencies, and it supports a wide range of global payments.

Best for: Cross-currency users and international freelancers.

Dantown Virtual Dollar CardDantown offers one of the cheapest virtual cards with just a $1 creation fee and no ongoing maintenance costs. There are no spending caps or hidden charges, and the sign-up process is quick with BVN and ID verification.

Best for: Minimal-fee seekers and regular online shoppers.

Cardify Virtual Dollar CardCardify allows you to fund your virtual card using both naira and USDT (crypto). The card costs $2 to create and has no maintenance fees. You can choose between basic (Mastercard) or standard (Visa) cards depending on your needs. It’s perfect for users who also transact in crypto.

Best for: Crypto-savvy Nigerians and multi-currency users.

What you should know about a Virtual Dollar Card?A virtual dollar card is a digital version of a physical debit card, denominated in USD. It works like a regular card, you can use it to make payments on international platforms. The only difference is, it lives on your phone or browser, not in your wallet.