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Best virtual dollar cards in Nigeria (2022)

Best virtual dollar cards in Nigeria (2022). Using a virtual credit card to shop online reduces the risk of becoming a victim of credit card fraud. Virtual Card providers help you to get a computer-generated credit/debit card (not physical plastic cards). They enable you to make purchases online without inputting your original card number.

Generally speaking, virtual credit cards — or virtual account numbers — are disposable credit card details issued for one-time use to help you mask your identity when making online purchases. Virtual credit card numbers can be generated directly from your credit card account with some products, and through apps and browser extensions with others.

Many Nigerians have been wondering about a way forward with the news of the suspension of virtual dollar cards from Barter by Flutterwave and other beneficiaries’ platforms. Are you looking for a virtual dollar card platform as an alternate? Or do you plan to have one? Then it would be best if you kept reading this article. We will show you five platforms in Nigeria that offer virtual dollar cards for your transactions.

Also, Nigerian users who depend on these platforms to pay for services on global sites like Amazon, Netflix, Apple Music, ASOS, Spotify, Google Adwords, and Facebook, are facing a challenging time. Especially with the $20 daily limit on international transactions by Nigerian banks. (Similar post: Best Crypto Trading Apps For Beginners In Nigeria)

Here are some of the best fintech companies that are still issuing virtual dollar cards and are currently functional in Nigeria.

1. Chipper Cash

Chipper cash card is a pre-funded and reloadable virtual visa card that can be used anywhere online for payment. The card works in the same way your local bank card works online. The card can be used for online purchases anywhere Visa cards are accepted. It can also be used to book flights, subscribe to Netflix, or buy anything online easily from your Chipper cash wallet.

Chipper Cash has two types of wallets/accounts – tier 1 and tier 2. Tier 1 wallet has many limitations but tier 2 allows you to access more features of the app. Chipper Cash says it offers 5% cash back on all purchases.

To sign up on Chipper Cash, you need the following:

  • Biodata.
  • Link any of your other bank accounts.
  • Means of identification: National Identification Number or Driver’s license or International passport.

2. ALAT Virtual Dollar Card

ALAT is a digital-only brand operated by Wema Bank, a commercial bank active in all of Nigeria. It offers a complete banking package, with a bank account, physical debit card, savings, and loans, and it is one of the best virtual dollar cards in Nigeria. Once your account is set up and funded, you can load your card straight from your naira balance for up to $20,000 and change the dollars back into naira if you need to. However, you can’t use it on money transfer websites, and it is not compatible with 3D Secure.

3. Wallets Africa Virtual Dollar Card

Wallets Africa is a Nigerian startup that offers virtual and physical naira and dollar cards. Considering the true nature of these credit cards, it makes them great for traveling, which is something many Nigerians are struggling to do due to the increase in theft.

For travelers who don’t want a physical card to be seen when traveling, this digital wallet is 100% risk-free. All you need to provide is your email address at checkout, and your billing information will remain private as well. However, this comes with a price, as your card comes with a monthly $1 fee, a $0.75 fee on every foreign transaction, and a 2% fee to load it from an external account.

To register on the platform, you fill in your biodata, BVN, and a means of identification (International passport, National Identification document, Driver’s license, or Voter’s card.).

4. Fundall

This is another fintech company in Nigeria offering its users a wide range of services, including the virtual dollar card. It provides its services to both individuals and businesses. The company aims to allow users to make transactions online without barriers and enjoy seamlessness, convenience, flexibility, safety, and security.

Fundall enables users to spend internationally, transact on any website seamlessly, and enjoy the convenience, flexibility, safety, and security of cashless payments across various channels. Whether it’s for shopping online on Shopify or Amazon, paying for streaming access on Netflix, or business services like Facebook Ads.

To sign up on Fundall, users need to provide the following:

  • Biodata.
  • Link any of your other bank accounts.
  • Bank Verification Number.

5. Mintyn Bank Virtual Card

The Mintyn Bank Virtual Dollar Card provides numerous benefits to freelancers, entrepreneurs, merchants, and sole proprietors who do business at home and abroad. With Mintyn’s Virtual Dollar Card, a non-physical dollar-denominated card, customers can pay for international services like Amazon, Apple Music, Netflix, eBay, WordPress, and many more.

To signup on Mintyn app you can provide the following:

  • Biodata.
  • Link any of your other bank accounts.
  • Bank Verification Number.

6. Geegpay

This is a product created by Raenest, a digital platform for those in the Gig economy. It provides virtual cards for users to make transactions online, like paying to use some platforms or shopping. Using Geegpay would help users avoid the limitations banks in the country put in place.

To sign up on Geegpay, you need the following:

  • Biodata.
  • Link any of your other bank accounts.
  • Proof of address could be any of these documents: Driver’s license, International passport, National Identity card, or Voter’s card.

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