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As a Nigerian, paying for courses on Coursera or shopping on e-commerce platforms like Amazon seems to be out of reach. It’s even hard to subscribe to your favourite streaming platforms. Let’s not talk about the stress of paying for X Premium or Facebook ads.

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Due to the Central Bank of Nigeria (CBN) regulations, most naira cards’ monthly expenses are now capped at $100. Most of the time, the cards do not even work on these international platforms. It’s an annoying situation. But virtual dollar cards are here to rescue Nigerians from the challenges of making international payments posed by naira cards. The best virtual dollar cards in Nigeria are your surest path to seamless online payments. In this guide, we’ve brought to you the best virtual dollar cards in Nigeria that can serve your global payment needs. Let’s explore them together.

Top 5 Virtual Dollar Cards in Nigeria

The top 5 virtual cards in Nigeria today are Cardtonic, Klasha, Tribapay, Eyowo, and Bitmama virtual dollar cards.

s/n	Card Provider	Card’s Creation Fee	Monthly Maintenance Fees
1	Cardtonic	$1.5	None
2	Klasha	The Pink card costs $2.50, while the Black card costs $3.50.	None
3	Tribapay	Varies	None
4	Eyowo	$2	None
5	Bitmama	None	None

1. Cardtonic

The Cardtonic virtual dollar card is now a go-to option for individuals and businesses who want to make seamless cross-border online payments in Nigeria. Many Nigerians prefer to use this card for their global payment needs for many reasons. Most virtual dollar card providers today give their users unfavourable exchange rates. But that can never be Cardtonic. The platform ensures that you get the best rates available on the market. What even makes it more exciting is that you can fund your virtual dollar card directly with your naira wallet, saving you the headache of creating a USD account. The Cardtonic virtual dollar card is undoubtedly a cost-effective option. With the naira funding option, you’re free from annoying currency conversion fees—which means more money in your pocket. A virtual dollar card shouldn’t cost an arm and leg. Thanks to Cardtonic for providing an affordable option. The Cardtonic virtual card is one of the cheapest virtual dollar card options available. With as little as $1.50, you can instantly create this card on the platform.

With this magical card, your days of experiencing card rejections are over. The Cardtonic virtual dollar card is accepted across the globe. Whether it’s paying for Facebook ads or shopping on Alibaba, you can count on this card. You can use your Cardtonic virtual dollar card with your two eyes closed. Thanks to its high-level encryption and multi-factor authentication system that protects you from fraud. Getting the Cardtonic virtual dollar card is easier than eating a piece of chocolate. Register an account on the platform, complete basic KYC steps, add money to your wallet balance, and you’re all set.

2. Klasha

The Klasha virtual dollar card is your passport to borderless payments. You can use the card to pay for university fees, shop on Amazon, or subscribe to Netflix and Apple Music.

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The Klasha virtual card has two types. The Klasha Pink card is best used on platforms that require a Nigerian billing address, and the Klasha Black card is suitable for platforms that require an international billing address. The Klasha Pink card costs $2.50 to create, while the Black card costs $3.50.

3. Tribapay

Tribapay is a fintech brand that offers one of the best virtual dollar cards in Nigeria for online payments. As a globally accepted virtual dollar card, Tribapay gives access to the world of simplified global spending. The Tribapay virtual dollar card is a mix of convenience and security. You can pay globally whichever way you want with confidence, knowing you’re fully protected from fraud at every step of the way.

4. Eyowo

Eyowo is a renowned digital bank in Nigeria that offers various services, including virtual dollar cards. Eyowo promises its customers next-level banking with just their mobile numbers.

If you desire hitch-free international transactions on the go, then the Eyowo virtual dollar card is the tool you’re looking for. This virtual dollar card allows you to pay for goods and services on all international platforms that accept the Mastercard as a means of payment.

5. Bitmama

Bitmama is a cryptocurrency company that offers virtual dollar cards in Nigeria. The platform boasts of having multiple layers of security standards that protect users’ funds from global security threats.

The Bitmama virtual dollar card allows you to spend your cryptocurrencies like cash and shop without limits on your favourite international e-commerce websites. Interestingly, it doesn’t cost a penny to own a Bitmama virtual dollar card.

Frequently Asked Questions About Virtual Dollar Cards in Nigeria Today

What Is the Best Virtual Card for Online Payment?

The best virtual card for online payments in Nigeria is the Cardtonic virtual dollar card. Whether you want to pay for hosting services, Instagram ads, X Premium and everything in between, the Cardtonic virtual dollar card is equal to the task.

Is the Cardtonic Virtual Dollar Card Functional?

Yes, the Cardtonic virtual dollar card is still functional. The card has become a choice virtual card for individuals and businesses in Nigeria for online payments.

Does the Cardtonic Virtual USD Card Work on Apple TV?

Yes, the Cardtonic virtual USD card works on Apple TV. You can also use it for Apple Music subscriptions or to make payments on the Apple Store.

How Do I Fund My Cardtonic Virtual Dollar Card?

You can fund your Cardtonic virtual dollar card directly from your Cardtonic naira wallet balance. This is unlike other platforms that require you to have a USD account to create and fund your virtual card.

Is It Hard to Get a Virtual Dollar Card on Cardtonic?

No, it’s not hard to get a virtual dollar card on Cardtonic. You don’t have to go through the hassle of unnecessary documentation as it is with traditional banks.

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Conclusion

With top virtual cards in Nigeria like the Cardtonic, Klasha, Tribapay, Eyowo, and Bitmama virtual dollar cards at your fingertips, international payments shouldn’t be a headache anymore. Among these options, the Cardtonic virtual dollar card stands out as the best tool for your global spending needs. Thanks to its unmatched flexibility, global acceptance, funding options, security, and ease of use.

Did you find this article useful? Contact us: editor@connectnigeria.com

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This article was first published on 11th March 2025
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