Virtual Dollar Cards that Work in Nigeria: Pay Bills Online and Buy Bitcoin With Dollar Virtual Card

Virtual Dollar Cards that Work in Nigeria: Pay Bills Online and Buy Bitcoin With Dollar Virtual Card
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Last updated on February 20th, 2023 at 07:50 am

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Following the flutterwave Barter’s virtual dollar card suspension, many individuals are currently looking for alternative virtual dollar card that works in Nigeria.

Moreover, Nigerian banks have set a maximum limit of $20 per spend for each month on bank cards. Tech bros have resulted to using virtual dollar cards for online transactions since they offer higher limits.

These virtual dollar cards are used for international online transactions such as paying for Facebook ads, buying on Amazon and Google. You can also use it to pay for Spotify, Deezer, Canva or even subscribing to Netflix and to buy bitcoin on crypto exchanges.

What is a virtual dollar card?

This is simply a card with all the features of a regular credit or debit card, but one that is not physical. It is an online bank account like your regular bank account with higher spend limits. 

Virtual cards allow you access to your bank accounts and make transactions in the same way as a physical debit or credit card without carrying it around. 

Some cards also offer cashback deals which means you can earn rewards on everyday spending, paying for electricity bills, buying recharge cards and spending on other kinds of utilities. Lets take a look at these alternative virtual dollar card services.

Other virtual dollar card services available in Nigeria include;

  • Changera Virtual Dollard Card
  • Chipper Cash Virtual Dollard Card
  • ALAT Virtual Dollar Card
  • Wallets Africa Virtual Dollard Card
  • Fundall Virtual Dollard Card
  • Mintyn Virtual Dollard Card
  • Geegpay Virtual Dollard Card
  • PST.NET Virtual Card


This is owned by Bitmama, a highly-secured and fast-growing crypto platform. 

With this card, you can send and receive money internationally, buy airtime or data for family and friends, and pay utility bills for your loved ones from anywhere in the world. Also you can use it to buy bitcoin.

To sign up on Changera, you need the following:

  • National Identification Number (NIN).
  • Proof of residency, which could be any of these documents; Driver’s license, International passport, National Identity card or Voter’s card.

Chipper Cash

This is another top pre-funded and reloadable virtual visa dollar card that can be used anywhere online for payment. The card works in the same way your local bank card works online. 

It can also be used to buy anything online easily from your Chipper cash wallet. It’s the best virtual card option for buying Bitcoin in Nigeria.

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

Tier 2 verification requires you to;

  • Link any of your other bank accounts.
  • Complete Identity Verification using National Identification Number or Driver’s licence or International passport.

PST.NET Virtual Card

Virtual cards from PST.NET are an ideal solution for online payments and payment for services around the world. These virtual payment cards are issued by US and European banks, providing trust and reliability, as well as fast deposit and withdrawal operations. Customers can choose from a variety of card options, including those with 3D-Secure capabilities for added security with SMS verification codes.

– Simple registration (you can use a Google or Telegram account), the first card is available without documents (then simple verification);

  • Several types of cards for different purposes with different conditions, there are cards with 3D-Secure (confirmation of operations by code from SMS, codes come to your personal account and telegram bot);

– PST.NET cards can be topped up with USDT and BTC, traditional bank cards (Visa, Mastercard) or bank transfers (SEPA, Swift).

ALAT Virtual Dollar Card

This is a digital-only brand operated by Wema Bank. Though this bank recently have so much fraudulent claim complaints from customers on the bank’s end.  

They also offer dollar virtual card services. Once your account is set up and funded, you can load it 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.

Read Also: Nigeria Bank Credit and Debit Card that You can Use to Buy Bitcoin on Crypto Exchanges and the Ones to Avoid.

Wallets Africa

Wallets Africa is another Nigerian startup that offers virtual and physical naira and dollar card service. 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. This card is majorly for travelers.

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.


It is a Nigerian digital bank. They’ve recently launched a virtual dollar card to spend money online without barriers, offering the first card for free, with a minimum load of $5.

Mintyn Bank

This virtual dollar card provides numerous benefits to freelancers, entrepreneurs, merchants, and sole proprietors who do business at home and abroad. This card is a third best option for crypto traders.

It is a non-physical dollar-denominated card. Customers can make international payments on platforms like Amazon, Apple Music, Netflix, Spotify, eBay, WordPress, Buy Bitcoin and many more using this dollar virtual card.


This is an API service that enables individuals, programmers and businesses to issue physical and virtual cards with more control and flexibility at scale. Sudo.Africa provides a virtual dollar card service for individual accounts.  

Moreover, this virtual dollar card is another good card for making bitcoin transaction in Nigeria. You can easily use it to buy bitcoin by funding with your naira card. You will only need your Bank Verification Number to activate the service.

Geegpay Dollar Virtual Card

It is a product owned by Raenest, a digital finance platform for the Gig economy. Geegpay provides dollar virtual card service for online payments without unnecessary bank limits across many different websites.

Also, this is a virtual dollar card that you can use to buy bitcoin in Nigeria without limits. You will then need to 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.


These virtual dollar card service providers make it easy to spend in dollars and pay for bills in USD from Nigeria.

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