6 Ways to Get a Virtual Dollar Card in Nigeria

Have you been having difficulties with online payments? Is your bank ATM card being declined by when you need to perform an international transaction for your shopping or ads campaign and you don’t have any other payment options to use? then you’ve landed on the right page. In this article, you’ll learn how to get a virtual dollar card in Nigeria for online payments and why you need one in the first place.

What is a virtual dollar card?

The virtual dollar card is just as its name sounds, it is a non-physical credit card that is developed to make online payments easier for individuals and businesses. These virtual cards are offered in dollar currency and they fill in the gaps where local bank cards fail due to some international restrictions.

Why do you need a Virtual Dollar Card?

Nowadays, whether you’re a blogger, freelancer, small business owner, someone who shops from international online stores or you just need to pay for some services like flights and hotel bookings, Netflix, Disney+, Spotify and other streaming services, creating a virtual dollar card will help you make these payments easy.

Over the past few weeks, I’ve seen a lot of bloggers, freelancers and small business owners complain that Facebook, Instagram, Twitter and other social media and marketing platforms decline their bank ATM cards and are unable to run sponsored ads. Some essential services like web-hosting which mostly costs more than $100 have now become even harder to pay for and several others due to the limitation on credit cards.

With virtual dollar cards, you can pay for any of these services and buy goods from international online stores easily.

So, if you need to make any payment and your bank ATM card is rejected, below are some of the best virtual dollar cards you can opt for.

6 Ways to Get Virtual Dollar Master Cards in Nigeria, Africa

1. Gomoney

6 Ways to Get a Virtual Dollar Card in Nigeria
Gomoney virtual card

Gomoney is one the best platform to create a virtual card for your online payment in Nigeria. It is actually a digital bank that offers both virtual and physical card creation that can be used at local ATMs, POSs and online transactions. The physical card creation, however, is yet to launch in the app.

Gomoney digital bank offers all the essential features required for a mobile banking app and some advanced features to make your spending as well as app experience smooth.

How to Create Virtual Card On Gomoney

  • Visit the Google Play Store or iOS App Store to download the Gomoney app or simply follow their site link to download
  • Once the app is installed, register and complete KYC
  • Once you complete KYC, you’ll be able to create a free virtual card
  • To create a virtual card, simply swipe right on your current balance
  • Tap on get a virtual card.
  • Follow the on-screen instruction to complete your card request.
  • Your card will now be created and ready to use in no time.

The card details include (card name, card number, expiry date and the three-digit CVV code) saved on your app. If you need to provide the name on card on any site, you simply type in the name on your account.

Current rate: NGN 395

2. ALAT by Wema

5 Ways to Get a Virtual Dollar Card in Nigeria
Alat Dollar Card

ALAT is a digital bank owned by WEMA bank, it was launched in 2017 and offers a free credit card to customers. Once you have an account with ALAT, you can easily create a virtual dollar card for online payments.

How to Create Virtual Dollar Card With ALAT

  • Download the ALAT app from Googles Play Store, iOS App Store or visit their official site here
  • Once you complete registration, log in to your account
  • On the main menu, click on Card
  • Now, click on “ALAT Dollar Card”.
  • “Create a New Card”
  • Fill in all required information to proceed.

The virtual dollar card provides you with the regular card details (card name, card number, expiry date and the three-digit CVV code) saved on your app. You can use the card on just any site.

Current rate: NGN 480

3. Barter by Flutterwave

5 Ways to Get a Virtual Dollar Card in Nigeria
Barter dollar card

Barter is another great platform that offers virtual dollar card creation. It is one of the best systems that allows small businesses to grow by reaching global customers and receiving money without stress.

How to Create Virtual Dollar Card with Barter

  • Download Barter by Flutterwave is available on Google Play Store or iOS store or visit their official website.
  • Complete the KYC and identity verification process
  • Fund your Barter account either through your debit card, or bank transfer
  • Tap on ‘Create new card’
  • You can either create a Multi-functional card which can be used for all your online purchases/payments or create a custom card for specific purposes (e.g Netflix card, Facebook card, Amazon card and more)
  • Enter the amount you’d like to fund your dollar card with and tap continue.

You can top up your card anytime if you used up your funds, saving you the stress of creating a new one.

Current rate: NGN 480


5 Ways to Get a Virtual Dollar Card in Nigeria
Fxkudi dollar card

FXKUDI is another great money transfer app that allows users to create virtual dollar cards for online payments. The system is quite similar to Barter, users can send and receive money from anywhere in the world with zero charges.

How to Get a Virtual Dollar Card on FXKUDI

  • Visit FXKudi official site or download their app from the Google Play Store or iOS App Store.
  • Verify your account via email.
  • Update your account with your information.
  • Fund your account.
  • Create card.

You can now use your card for Facebook ads, Spotify etc.

FXKUDI Dollar Credit Card Monthly Spending Limit And Rate

Spending Limit: $3,000

Current rate: NGN 480

5. Eyowo Virtual Dollar Card

5 Ways to Get a Virtual Dollar Card in Nigeria
Eyowo dollar card

Eyowo is one of the best digital banks that offer virtual dollar card creation. The platform is known for its simplicity and unlike other platforms, it allows you to create and fund a card for as low as $1.

How to Create Virtual Dollar Card With Eyowo

  • Visit Eyowo official website or download their app from the Google Play Stor or iOS app store.
  • Click on register and enter your phone number
  • Provide other necessary information to complete the registration
  • On your dashboard (web), click on the hamburger menu and tap on Eyowo cards
  • Enter the name you want to display on the card and the amount
  • Click the create card button.

That’s it, you can now start using your Eyowo virtual dollar card to make payments online. Current rate NGN 485.

6. Wallets Africa

5 Ways to Get a Virtual Dollar Card in Nigeria
Wallets Africa dollar card

Wallets Africa is one of the best online digital financial platforms for business and customers. Wallet Africa also offers physical cards like Wema ALAT, but while the ALAT card is free for the first request, you’ll be charged NGN 1,5000 for a physical Wallets Africa card.

With Wallet Africa, you can transfer money within Nigeria, Ghana and Kenya, buy airtime and data, and pay bills.

How to Create Wallets Africa Virtual Cards

  • Download the Wallet Mobile App and open an account or visit their website here
  • Log into your Wallet app after completing the registration
  • Add money to your Wallet using your bank ATM card, bank account or bank transfer.
  • On your dashboard, click on Cards and select create a virtual dollar card
  • The minimum you can add to your card is $10

You can now start using your card to shop online or pay for services. Current rate NGN 485.

How to Get a Virtual Dollar Card in Nigeria FAQs

Can I link any of the above virtual cards to PayPal?

Yes, you can link any of the virtual dollar cards mentioned in this post to your PayPal account, however, you can not withdraw your Paypal funds with these cards.

Does the $20 monthly international spend limit apply to these virtual cards?

Yes, the monthly $20 limit applies to all the listed platforms.

Can I run Facebook ads with the virtual dollar card?

Yes, you can run Facebook ads with any of the virtual cards. They can be used on other platforms like Instagram, Twitter, Quora and other social media or networking platforms.

Final Words

There are several other platforms that you can use to create a virtual dollar card for your online payment, however, I have listed the top 6 virtual dollar card platforms you can use if you’re a Nigerian (An African). If you are already using any of the above, share your experience with us in the comments.

Adewale Mudasiru
Adewale Mudasiruhttps://networkedpoint.com
Adewale Mudasiru is the founder and CEO of networked point.


  1. Thanks so much for this article. I have question! Do you know if the monthly $100 limit in Nigeria can affect usage of gomoney virtual card? Thanks. Hoping to hear from you soon

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