How To Get a Virtual Dollar Card in Nigeria in 2025

Imagine wanting to pay for something online, but your regular debit card keeps getting declined because it doesn’t work for international transactions. Frustrating, right? This is where a virtual dollar card comes in handy. 

With a virtual dollar card, you can make payments in dollars, even from Nigeria, without the hassle. This way, you can easily pay for items from international stores and also pay for subscriptions. In this article, I’ll show you how to get a virtual dollar card in Nigeria, so you can shop or pay for services anywhere in the world.

What is a Virtual Dollar Card?

A virtual dollar card is a prepaid digital card that allows you to make payments in U.S. dollars. It works like a regular debit card, but instead of having a physical copy, all transactions happen online. You can load the card with Nigerian Naira, which would be converted to USD, and use it for international payments. 

With a virtual dollar card, you get a card number, expiration date, and CVV, just like a physical card. However, it is safer because there’s no risk of losing it or having it stolen. Plus, you can easily manage and control your transactions through an app or online platform.

Some popular virtual dollar card providers in Nigeria include Barter by Flutterwave, Eversend, and Chipper Cash. These platforms offer easy access to virtual dollar cards, helping you make seamless international payments from the comfort of your home.

How To Get a Virtual Dollar Card in Nigeria

The exact procedure to obtain a virtual dollar card in Nigeria may differ based on the card provider you intend to use. However, they all still follow similar steps. 

To get a virtual dollar card in Nigeria, irrespective of the platform you would use, here are the general steps involved:

1. Decide on a virtual card provider
2. Create your account and sign in
3. Verify your identity
4. Choose the type of card you want
5. Fund your virtual card

Let’s examine these steps in detail. 

1. Decide on a Virtual Card Provider

The first step is choosing a provider that offers virtual dollar cards in Nigeria. There are several options like Grey, Bitnob, Eversend, Chipper, etc. When picking a provider, consider a few things:

• Fees: Look for platforms that offer low or no fees on transactions. Also, check their policy on declined transaction fees. 
• Ease of use: Pick a platform with a simple, user-friendly app.
• Customer support: Make sure the provider offers good customer support in case you need help.
• Limits: Some cards have spending limits, so check that the limit fits your needs. 

Once you’ve weighed your options, choose the platform that best fits what you’re looking for.

2. Create Your Account and Sign In

After choosing a provider, download their app or visit their website to create an account. The sign-up process is usually quick and requires basic information like your name, email address, and phone number. Once your account is created, sign in to access the platform’s services.

3. Verify Your Identity

Most virtual dollar card providers require you to verify your identity to comply with regulations. This is usually a simple process where you upload a valid form of ID, such as your national ID card, driver’s license, or international passport. Some platforms may also ask for a selfie for extra verification. This step ensures the safety of your account and protects it from fraud.

4. Choose and Request the Type of Card You Want 

Once your account is verified, the next step is to choose the type of virtual dollar card you want and request it. You can decide to go for a Visa card or a Mastercard. Some platforms may offer options for personal, business, or even premium cards with additional benefits. For example, Eversend allows you to pick a card based on your needs, whether for small personal payments or higher limits for larger transactions. 

5. Fund Your Virtual Card

When your virtual card is ready, you’ll need to add money to it before using it. Most platforms let you fund your virtual dollar card using your Nigerian bank account, a regular debit card, or even mobile money. Just transfer the amount you want, and it will automatically be converted to U.S. dollars and loaded onto your virtual card. 

Once funded, you can use your virtual dollar card for online payments, shopping on international websites, subscribing to services like Netflix or Spotify, and more. 

Why You Need a Virtual Dollar Card in Nigeria

Living in Nigeria and trying to make international payments can be frustrating. A virtual dollar card solves these problems and offers you the freedom to make payments across the globe with ease. Here’s why you should get one:

1. To easily make global payments: Whether you’re shopping online, booking flights, or reserving a hotel room, a virtual dollar card lets you pay in U.S. dollars, no matter where you are. You can use it on websites that only accept foreign currencies or for services that might reject local cards. 
2. To pay for subscriptions: If you’re trying to subscribe to services like Netflix, Spotify, or even Apple Music, a virtual dollar card makes it simple. Many of these services charge in dollars and may not accept Nigerian debit cards. With a virtual dollar card, you can subscribe to these platforms and ensure your payments go through without delays or errors.
3. To avoid stress and hidden charges: Accessing foreign currency through traditional banks or exchange services can be stressful and expensive. Some banks impose hidden charges or limit how much you can spend on international transactions. However, with a virtual dollar card, you avoid those issues. The fees are clear upfront, and you can load the card easily without the headache of converting Naira to dollars at unfavourable rates.

Frequently Asked Questions About Getting a Virtual Dollar Card in Nigeria

1. Can a virtual dollar card be used in Nigeria?

Yes, you can use a virtual dollar card in Nigeria. Even though the card is funded in U.S. dollars, it works just like any other debit or credit card. You can use it to make online payments or pay for subscriptions without needing a physical card. It’s especially useful for Nigerians who need to make global payments.

2. How do I get a U.S. virtual card in Nigeria?

To get a U.S. virtual card in Nigeria, you need to sign up with a virtual dollar card provider such as Barter by Flutterwave, Eversend, or Chipper. After creating an account, verify your identity by uploading your ID, and then you can request a virtual dollar card. Once the card is created, fund it from your Naira account, and it will convert the money to U.S. dollars.

3. Which app can I use to get a virtual dollar card in Nigeria?

You can use apps like Chipper Cash, Changera, Fundall, Bitnob, Barter by Flutterwave or Eversend to get a virtual dollar card in Nigeria. These apps are easy to use, and they allow you to fund your virtual card with Naira, which is then converted to U.S. dollars. Each platform offers a smooth, user-friendly experience to help you make global payments.

Conclusion

Getting a virtual dollar card in Nigeria is a simple and convenient way to make international payments without the hassles that come with traditional banking methods.

By following the steps outlined in this article, you can easily create an account, verify your identity, and fund your card to start making seamless payments across the globe. Plus, with providers like Changera, Eversend, and Chipper Cash, you have a variety of reliable options to choose from.