It can be annoying when your transactions keep getting declined on Amazon, Coursera, or Apple Store, even when you have sufficient funds to cover your purchases. No thanks to the restrictions placed on traditional bank cards by the Central Bank of Nigeria (CBN).
Many international platforms no longer accept naira cards as a means of payment. This ugly situation has disconnected several Nigerians from the global market.
Fortunately, virtual dollar cards are here to reconnect Nigerians to the global economy. But with numerous options available, choosing the best virtual dollar cards in Nigeria for online payments can be tasking.
In this guide, we’ve painstakingly curated a list of the best virtual dollar cards for international transactions in Nigeria. Whether you want to pay for courses on Udemy or shop on Temu, you have nothing to worry about.
Top 6 Virtual Dollar Cards in Nigeria
The top virtual cards for online payment in Nigeria are Cardtonic, Bitsika, Gomoney, Cashbuddy, Mintyn, and Zole virtual dollar cards.
| s/n | Provider | Card Creation Fee | Monthly Maintenance Fees |
| 1 | Cardtonic | $1.5 | None |
| 2 | Bitsika | $3 | None |
| 3 | Gomoney | First card is free (Subsequent card costs N850) | Quarterly sum of N53.75 for card maintenance |
| 4 | Cashbuddy | $2.50 | None |
| 5 | Mintyn | None | None |
| 6 | Zole | $2 | None |
1. Cardtonic
When it comes to making international payments in Nigeria, the Cardtonic virtual dollar card is undoubtedly one of the best options available. Since it was released in early 2024, many Nigerians have adopted it for international transactions. Thanks to the numerous benefits that come with using the card.
One advantage of using the Cardtonic virtual dollar card for your global shopping is its global acceptance. From Temu to Amazon, AliExpress, and Netflix, the Cardtonic virtual dollar card is your gateway to fast and hassle-free online payments. There’s hardly any major international platform that doesn’t accept the Cardtonic virtual dollar card as a means of payment.
The Cardtonic virtual dollar card is one of the best virtual dollar cards in Nigeria due to its top-notch security features. You can monitor every transaction on your card to fish out unauthorised debits and charges. Cardtonic also uses high-level encryption and multi-factor authentication to ensure you have secure transactions.
Guess what? Cardtonic doesn’t force things on you. At the point of creating your virtual dollar card, you can choose whether it’s the Mastercard or Visa card you want. Good enough; both of the cards cost $1.50 each.
If you urgently need to make international payments with a virtual dollar card but don’t have any ready, Cardtonic has got you. You don’t have to wait forever to get a virtual dollar card on the platform. In less than a minute, you can create your card and use it for payments.
Interestingly, you don’t have to do much to get a virtual dollar card on Cardtonic. Sign up for an account on the Cardtonic app or official website, complete the simple KYC process, add funds to your wallet, and there you go.
How to Create a Virtual Dollar (USD) Card In Nigeria – Cardtonic
2. Bitsika
Skip forex headaches when you get a virtual dollar card from Bitsika for your global shopping needs. You don’t have to worry about currency conversion fees and exchange rates, as you can directly fund your card with USDT, a stablecoin equivalent to the USD.
You can instantly create your prepaid virtual dollar card on Bitsika without going through the hassle of KYC or ID verification. The Bitsika prepaid virtual dollar cards have two types. The premium prepaid virtual card, suitable for long-term online payments, and the standard card, best for one-time online payments.
The Bitsika prepaid virtual dollar card costs $3 to create and can be used on most international platforms.
3. Gomoney
The Gomoney virtual dollar card is another innovative solution to help Nigerians pay for goods and services on international platforms. With this widely accepted virtual card, you can pay on global platforms like Alibaba with no hassle.
Gomoney gives you the privilege to instantly freeze your card in case of any suspicious activity. You can also track your transactions to understand your spending habits.
Interestingly, getting your first GoMoney virtual dollar card costs $0.
4. Cashbuddy
Another alternative to bypass the restrictions placed on traditional naira cards is the Cashbuddy virtual dollar card. Whether you’re an individual or a business, the Cashbuddy virtual dollar card is your ticket to experience borderless, seamless, and safe transactions.
With a token of $2.5, you can get this card and begin to shop on Amazon, AliExpress, or Temu. The card is also accepted on streaming platforms like Netflix, Spotify, Twitch, etc.
5. Mintyn
Mintyn is a popular digital bank owned by Finex Microfinance Bank. The online bank offers a wide range of services, including virtual dollar cards. The Mintyn virtual dollar card can be used to make payments on eBay, WordPress, and Apple Music, among others.
This digital bank is here to ensure that global payments become simple and secure for every Nigerian and business. Amazingly, the Mintyn virtual dollar card doesn’t cost a dime to get.
6. Zole
The Zole virtual dollar card gives you the privilege to spend your dollars the way you want. From shopping online to subscribing to services and managing international payments, the Zole virtual dollar card is your gateway to flexible and secure spending.
Getting the Zole card is pretty easy. Sign up on the platform, provide your details, fund your wallet, and that’s all. The Zole virtual dollar card costs $2 to create and has a validity period of three years.
Frequently Asked Questions About Best Virtual Dollar Cards in Nigeria for Global Spending
1. What Is A Cardtonic Virtual Dollar Card?
A Cardtonic virtual dollar card is a digital payment card that you can use to make payments on international platforms like Amazon, AliExpress, Coursera, Temu, Facebook, and more.
2. Can I Get the Cardtonic Virtual Dollar Card in Nigeria?
Yes, you can get the Cardtonic virtual dollar card in Nigeria. Cardtonic currently serves the Nigerian and Ghanaian markets.
3. How Do I Make Online Payments in Nigeria?
You can make online payments in Nigeria with the Cardtonic virtual dollar card. The card is globally accepted and quite easy and cheap to get.
4. Which Nigerian Banks Offer Virtual Dollar Cards in 2025?
The Nigerian banks that offer virtual dollar card services in 2025 include Stanbic IBTC Bank, Alat by Wema, and Zenith.
5. What Are the Benefits of Using the Cardtonic Virtual Dollar Card for International Transactions?
The benefits of using the Cardtonic virtual dollar card for international transactions include wide acceptance, security, low fees, and affordability.
Conclusion
It’s time to reconnect to the global market and make international payments like a boss. The top virtual dollar cards offered by Cardtonic, Bitsika, Gomoney, Cashbuddy, Mintyn, and Zole are here to make seamless cross-border payments simple and stress-free.
A new era of payment is here. Embrace the best virtual dollar cards in Nigeria for online payments and say goodbye to the struggles of using conventional naira cards.
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