5 Most Reliable Dollar Virtual Cards in Nigeria in 2025
The other day, I was speaking with a group of friends about how stressful it is to get a reliable virtual dollar card in Nigeria.
One of them told us how she almost had to abandon her cart on Temu for this exact reason until she found a virtual dollar card. That you’re in Nigeria shouldn’t stop you from shopping on any platform even though there are restrictions on our naira card.
Thankfully, some FinTech companies have been working hard behind the scenes to provide working virtual dollar cards to Nigerians. They understand that international fees have to be paid, Nigerians have to shop, subscriptions need to be made, etc.
So, if you have been searching for the best virtual dollar cards in Nigeria for a long time, your search days are over. Take a seat and read through this list of the best virtual dollar cards in Nigeria in 2025.
List of 5 Best Virtual Dollar Cards in Nigeria in 2025
The best virtual dollar cards in Nigeria in 2025 are Cardtonic, Klasha, Spectrocard, Eyowo and Gomoney. This section highlights the things that set them apart and how to get them.
| S/N | Card Provider | Card Creation Fee | Card Maintenance Fee | Funding Options |
|---|---|---|---|---|
| 1 | Cardtonic | $1.5 | None | Naira, Cedis, Dollar |
| 2 | Klasha | $2 | None | Wallet |
| 3 | Spectrocard | $3 | None | Naira, Crypto |
| 4 | Eyowo | $2 | None | Naira |
| 5 | Gomoney | <$1 | None | Naira |
1. Cardtonic
Whatever you need in a virtual dollar card, Cardtonic’s virtual dollar card has it and more. You enjoy utmost security— neither your money, time, or financial details are handled with levity. As a globally accepted card, you get to use it on different platforms without restrictions. You’re also not restricted on how much money you can spend monthly.
Speaking about money, this card is cost-effective, with a $1.5 creation fee and no maintenance fees. You are free to fund it in naira or dollars. If you’re in Ghana, you can fund it in Cedis.
Creating this card requires no help because the process is easy to follow. To create, start by downloading the app. Next is to set up your account, including doing a quick KYC. Then, head to the “Wallet” section to request a virtual bank account. This will be issued to you immediately, and you can top up your wallet with it.
After this, go to the “Virtual Dollar Card” to create one. You’ll be asked to choose between MasterCard and Visa; take your pick. Fill in your current address; voila, you now have a virtual dollar card!
2. Klasha
With Klasha’s virtual dollar card, shopping on your favourite platforms is a piece of cake. You can also pay your international school fees, streaming platform subscriptions, etc., using the Klasha virtual Visa dollar card.
The card creation fee is $2, there are no maintenance fees, and you can fund via the wallet you’ll be given. Another thing that makes it one of Nigeria’s best virtual dollar cards is that it is safe and secure. You can get this card by downloading the Klasha app and requesting their virtual dollar card.
3. Spectrocard
Spectrocard gives you the options of naira or cryptocurrency funding, and makes your transactions very smooth. This card can be used for various transactions like ad payments, online shopping, etc.
You only need to pay a $3 card creation fee and don’t have to worry about maintenance fees since there are none. There is also a Reports feature that allows you to track and monitor your spending. This can help you manage your finances better.
4. Eyowo
Eyowo makes this list because it has a working virtual dollar card that simplifies your international payments in Nigeria. Paying for goods and services with Eyowo’s virtual dollar card is seamless.
You have to pay a $2 creation fee to access this card. However, no maintenance fees are involved, and you can fund the card using naira. You can also track your expenses on the app, making it a helpful app for financial management.
5. Gomoney
Gomoney’s virtual dollar card makes payment convenient. From international online shopping to subscriptions and more, this card exemplifies the ease that virtual dollar cards provide.
It is also very secure and gives you access to a Reports feature to track your expenses. The card creation fee is less than $1, you can fund your card in naira, and there are no card maintenance fees.
To get it, download the Gomoney app and open an account. Request a virtual dollar card, and you’re good to go.
Frequently Asked Questions About Best Virtual Dollar Cards in Nigeria
- Which Dollar Virtual Card is the Best in Nigeria?
The best dollar virtual card in Nigeria is Cardtonic’s. The Cardtonic Virtual Dollar Card is fast, almost free, with a $1.5 card creation fee and no maintenance fees, and is globally accepted. It is also tightly secure to keep your money and financial information safe. - Which App Has a Dollar Card in Nigeria?
The Cardtonic app has a dollar card in Nigeria. Instead of carrying the physical dollar card, which is prone to loss, theft, or manipulation, you can quickly get a globally accepted virtual dollar card in Nigeria on Cardtonic— all in less than 10 minutes. - Which Virtual Card is Best for AliExpress in Nigeria?
Cardtonic’s virtual dollar card is best for AliExpress in Nigeria. You can choose the Visa or MasterCard option, which works seamlessly on AliExpress. No delays, no troubles. - What is the Virtual Dollar Card that Works for Apple Store in Nigeria?
Paying for Apple Store in Nigeria seamlessly with Cardtonic’s virtual dollar card. It works not only for the Apple Store but also for Netflix, iTunes, Spotify, Amazon Prime, etc. - What Bank in Nigeria Has a Virtual Dollar Card?
Wema Bank and Stanbic IBTC Bank have virtual dollar cards called ALAT by Wema and Virtual Dollar Debit MasterCard, respectively. You can request and activate these cards instantly.
Conclusion
Starting now, you can be here in Nigeria and make international payments with any of these virtual dollar cards. But who doesn’t like the whole package?
Cardtonic is the complete package, as it stands out as the best virtual dollar card in Nigeria. So, you should get the Cardtonic Virtual Dollar Card to enjoy seamless, stress-free, and secure international payments.
Whether it is for your Netflix subscription, Temu checkout, or the fees of that school in the US, you are good to go!