As a Nigerian, you’re likely familiar with the frustration of attempted international payments with your Naira debit card, only to face decline after decline. From subscription services to digital products and global shopping, seamless transactions seem elusive.
Fortunately, we now have virtual cards; These cards provide easy access to make international payments without the hassle.
In this post, I’ll share with you the best virtual dollar card options available to Nigerians today. But first, let’s understand what a virtual dollar card is and why it’s gaining popularity.
What is a Virtual Dollar Card?
A virtual dollar card is a digital card that functions like your typical debit or credit card, except it’s exclusively used for transactions in US dollars. No need to worry about holding a physical card—everything happens online.
These cards come with a unique card number, expiration date, and CVV, just like a physical card, allowing you to make secure international payments. From paying for streaming services like Netflix to shopping on Amazon or AliExpress, a virtual dollar card makes it all possible.
Best USD Virtual Card in Nigeria
1. Trove USD Virtual Card
Trove USD virtual card is the best dollar virtual card in Nigeria. The Trove app is a platform that allows you to invest in Nigerian and foreign stocks and ETFs. Now, it has even made it easier to manage your international payments with the Trove USD virtual card.
This USD virtual card is perfect for you if you need a reliable way to pay for global services, subscriptions, and products—all from the comfort of your Trove wallet.
With the Trove USD virtual card, you can enjoy several benefits that make it stand out:
- $10,000 monthly spending limit: If you’re handling major business payments or multiple personal transactions, this limit gives you enough flexibility to manage your finances efficiently.
- $2,500 per transaction: With the Trove usd virtual card, you can easily make large payments in one go, without having to split your transaction into smaller amounts.
- Accepted at most online merchants: The Trove USD card works seamlessly on platforms like AliExpress, Google Ads, Airbnb, and many more, making it a versatile tool for online shopping and digital services.
- Top-notch security & easy fees: Trove Finance ensures that your card is secured with advanced encryption and user authentication, protecting you from fraud. Plus, the fees are easy to understand and manage, so you don’t have to worry about hidden charges.
If you’re investing or just need a reliable way to make purchases in dollars, the Trove USD card is a great addition to your financial toolkit.
How to Get Started:
- Getting started in Seconds
- Step 1: Sign up for Trove – Access Trove on the web or download the “Trove” app on Google play or the App store.
- Step 2: Sign up and verify your profile. Create a card with a one-time fee of $2
- Step 3: Start spending, Fund your account and Voila! Easily invest in digital assets like Bitcoin, Ethereum, Solana, Shiba Inu, Dogecoin, Dai, and Litecoin
While Trove offers an excellent solution, there are other fintech companies that provide similar services. Here are some top options:
2. ALAT by Wema
ALAT by Wema, Nigeria’s fully digital bank, offers a Virtual Dollar Card that allows you to make payments in US dollars online. This virtual USD card includes the standard features of a physical card: a 16-digit card number, a CVV, and an expiration date, but it’s fully managed within the ALAT app.
You can use this card for online transactions, even on platforms that don’t typically accept Naira-based cards. A key feature of the ALAT Virtual Dollar Card is its seamless currency conversion. When you need to convert Naira to dollars for an online payment, the app automatically handles the conversion using the bank’s current exchange rate. This eliminates the need to physically visit a bureau de change or bank.
How to Create an ALAT USD Virtual Card
Log into the ALAT app, navigate to “Cards,” and follow the prompts to set up your Virtual Dollar Card. Once created, you can use it for payments anywhere that accepts USD, making it a flexible and convenient option for international purchases.
3. Chipper Cash
Chipper Cash offers a virtual Visa card you can fund directly from your Chipper wallet. It’s a popular option among Nigerians for making seamless international payments, and you can even send money globally.
With millions of users across Nigeria and other African countries, Chipper Cash has gained a solid reputation for convenience and security.
4. Eversend
Eversend gives you access to a virtual dollar card while offering additional features like multi-currency wallets. You can easily exchange currencies, making it ideal for frequent travellers or online shoppers. With an easy-to-use interface, Eversend ensures you can make cross-border payments without any hassle.
5. Flutterwave
Flutterwave offers a robust virtual card service that is ideal for businesses and individuals alike. This virtual dollar card allows you to make payments in USD across a variety of platforms.
The card is also accepted globally and can be funded in-app, providing convenience for users who need a secure and reliable way to manage international payments.
6. Fundall
Fundall provides a virtual dollar card that is user-friendly, with competitive fees and transparent pricing. The card is tailored for international purchases, and its app gives you full control over your spending, allowing you to manage and track transactions conveniently.
Key Considerations When Choosing a Virtual Dollar Card
With so many options available, it’s essential to choose the right provider based on your needs. Here are some factors to consider:
- Security: Look for a provider that offers strong encryption and protection measures. Virtual cards are already safer than physical cards, but features like two-factor authentication and instant transaction notifications add another layer of security.
- Fees: Different providers charge different fees for transactions, maintenance, and currency conversion. Ensure you understand the fees and limits before selecting a card.
- User Experience: Choose a provider with an easy-to-navigate app or platform. Managing your card should be hassle-free, with options to top up, view transactions, and receive real-time updates.
- Customer Support: A responsive customer service team is vital. You want to make sure you have quick access to help if anything goes wrong.
Read Also: How to Earn in Dollars While Living in Nigeria
Conclusion
Making international payments as a Nigerian no longer needs to be a headache. Virtual dollar cards offer a convenient, secure, and reliable way to make transactions across borders, whether you’re paying for subscriptions, shopping online, or managing investments.
The Trove USD virtual card stands out as an excellent option, especially for those already using the platform for investments. Its high spending limits, top-notch security, and wide acceptance make it a powerful tool for global transactions. However, with other reliable providers like, ALAT by Wema, Chipper Cash, Eversend, Flutterwave, and Fundall, you’re spoiled for choice. Each provider offers a unique set of features, so take your time to find the one that best fits your needs.
