4 Virtual Dollar Cards Still Working in Nigeria (Best and Cheapest)

Are you interested in the banks with virtual dollar cards still working in Nigeria?

Do you want to learn how to create and get the best and cheapest online today?

If YES, then this article is only what you need to read today.

What is a Virtual Dollar Card?

A virtual dollar card is a non-physical dollar-denominated card for paying online.

It has all the features of a regular credit or debit card, but one that is not physical.

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 virtual cards also offer cashback deals, which means you can earn rewards on everyday spending like groceries or utilities.

4 Best Virtual Dollar Cards in Nigeria Still Working in 2024

1. Chipper USD Virtual Card

The Chipper USD Virtual Card is a pre-funded and reloadable virtual card that can be used for international online transactions.

The card can be funded right from the user’s Chipper wallet and is free to acquire.

The card can be used online in the same way you use your physical debit or credit cards.

No fees are charged to add or withdraw funds from your Chipper Card.

However, please keep in mind that real-time exchange rates apply for ₦ ➡ $ and $ ➡ ₦ transactions.

The amount may vary based on the current economic and market conditions.

Chipper USD Virtual Card Spending Limits

  • Maximum Daily Spend Limit – $1000
  • Maximum Monthly Spend Limit – $5000

Chipper USD Virtual Card Funding Limits

  • Maximum Daily Funding Limit – $1000 (24 Hours)
  • Maximum Monthly Funding Limit – $5000

Chipper USD Virtual Card Withdrawal Limits

  • Maximum Quarterly Funding Limit – $5000
  • Maximum Withdrawal – $1000 daily

Your Chipper USD Card is not automatically tied to your Chipper Wallet in the same way your bank card service works!

This means that your Chipper Card balance differs from your Chipper Wallet balance.

Your Chipper USD Card would need to be funded from your Chipper Wallet before it can be used.

The Chipper USD virtual card is available for international transactions on platforms such as Netflix, Apple, Spotify, Google, Ali Express, Alibaba, Amazon, Fashion Nova, Shein, etc.

You can only use the card on merchant sites that fall under the approved/supported merchant categories.

The list of supported and unsupported merchant categories may grow.

For all transactions on Nigerian merchant websites, keep using your NGN Chipper virtual card.

Ensure that your Chipper Cash app is updated to the latest version for a more seamless experience.

Use your registered house address as your billing address.

Also, use the postal/zip code of your registered house address.

Fund your card first, then your default CVV (123) will change in 24 hours.

Once changed, you can use the new CVV as your security code for transactions on merchant sites.

Note that the Chipper Cards (USD and NGN) have been programmed for 3D secured authentication.

2. Klasha Visa Dollar Card

The Klasha Visa dollar card is a pre-funded virtual card used for seamless international transactions on online websites that accept USD cards.

The minimum amount to create the Klasha virtual dollar card is $5.

This fund is credited to your card upon successful creation.

Creating a Klasha Visa dollar card is easy and can be completed in a few minutes following these steps:

  • Log in to your Klasha account.
  • Complete the 3 verification levels.
  • Click on Create a Card.
  • Click on continue and fund your virtual card with $5; this will create your virtual card.

You can create two Klasha virtual dollar cards, one pink and one black, each with a $10,000 monthly funding limit.

Klasha Visa dollar card is used on most online international stores, including Spotify, Netflix, Apple Music, and AliExpress.

The Klasha Visa dollar card can be funded right from your Klasha wallet by following these steps:

  • Log in to your Klasha mobile app.
  • Tap on the card icon at the bottom of your screen to view your virtual card.
  • Select Fund Card.
  • Enter the amount in dollars, and this will display the naira equivalent.

You can withdraw funds from your dollar card into your Klasha wallet by following these steps:

  • Tap on the card icon at the bottom of your screen to view your Klasha dollar card.
  • Select Withdraw.
  • Type in the amount in dollars you would like to withdraw and the money will be returned to your wallet.

The minimum amount you can fund your Klasha dollar card is $5, and the maximum is $1,000.

You can fund your card with a maximum of $1,000 per transaction; however, you can only fund each card with $1,000 ten (10) times per month, as your Klasha Visa dollar card has a $10,000 monthly card funding limit.

There are no spending limits on Klasha virtual dollar cards.

3. ALAT Virtual Dollar Card

Wema is one of the best banks with virtual dollar cards in Nigeria.

You can pay for your Facebook Ads, Google Ads, Apple subscription and shop online with the ALAT virtual dollar card.

The ALAT Virtual Dollar Card is one of the very few virtual dollar card services in Nigeria that allows you to make seamless payments online without being affected by ever-fluctuating exchange rates or Naira debit card limits, which can affect how you make payments.

This is one of the major reasons you need an ALAT Virtual Dollar Card.

This card is a prepaid card and can purchase goods and services on all websites and applications that accept Mastercard or Visa dollar cards.

Card Benefits

  • The ALAT virtual dollar card enables you to process all your payments on any platform, online store, mobile app without hazels.
  • The virtual dollar card works efficiently and effectively across all devices, applications, or programs.
  • Using the virtual dollar card comes with no difficulty, as it is easy to understand, create, fund, and use.
  • You should not be charged an arm and leg to have and use a virtual dollar card, hence ALAT virtual dollar card.

4. Geegpay Virtual Card

Geegpay is a financial platform that allows Nigerians to receive money from abroad and make online payments with ease.

Many Nigerians, especially freelancers, have problems receiving money with those popular platforms (PayPal, Skrill, Payoneer).

And most times, they found it difficult to withdraw from them.

Geegpay has not much different with those platforms, but it is the best alternative and easy way to receive money from abroad as a Nigerian.

When you sign up on Geegpay, you will need to verify your address and ID before you can create a virtual account and card.

You can use the account to receive money from anywhere using the card to pay on any platform.

When someone sends you money, the money will be sent to the Geegpay wallet.

Then you can exchange it from the wallet to your country’s currency and withdraw.

You get your virtual bank account instantly.

Account verification is instant for international passport, driver’s license, and voter’s card.

NIN can take between 24 – 48 hours.

Your USD account can be used on any platform that accepts USD bank accounts.

You can only receive funds with your virtual account within the US or only via US banks.

You’re charged only 0.9% when you receive funds in your virtual bank account.

The minimum charge is $1.5.

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Saint Chinedu

My GOAL is to equip you with the right strategy and working information to improve your academic performance, financial situation, and health this month.

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