In 2025, it shouldn’t be heard that you are struggling to process foreign transactions because of payment issues. Understandably, Naira cards may have some problems, like network issues and not being accepted on some platforms. But that is why there are virtual dollar cards, issued by many fintech apps across the country, that can help you make this process faster.
In case you don’t know, virtual dollar cards are debit cards that allow you to pay for goods or services in dollars while still linked to a Naira account. The cards are cheap to obtain, and the process is fast and secure. If you are unsure of where to get a virtual dollar card as a Nigerian, below are five reliable apps you can use to get a dollar virtual card in Nigeria.
5 Best Apps to Get a Virtual Dollar Card in Nigeria
Not all virtual dollar card apps work the same way. Some charge more, some have better limits, and others offer multiple funding options. The table below breaks down how Cardtonic, Zole, Dantown, Bitisika, and Vesti compare.
| s/n | Apps | Card Creation Fee | Other charges | Funding |
| 1 | Cardtonic | $1.5 | Nil | Naira, Cedis |
| 2 | Zole | $2 | 0.5% on any transaction | Naira |
| 3 | Dantown | $1 | $1 maintenance fees | Naira |
| 4 | Bitisika | $3 | Nil | Naira, Cryptocurrencies |
| 5 | Vesti | $10 | Nil | Naira |
1. Cardtonic
Cardtonic offers one of the most reliable dollar virtual cards in Nigeria. With its simple setup process, fair rates, and smooth transactions, this card makes international payments easy.
The virtual dollar card costs just $1.5 to create, and there are no hidden or recurring maintenance fees afterwards. Getting started is easy. Simply download the Cardtonic app, sign up, and fund your wallet with Naira. Then, click “Virtual Dollar Card” and request a card. Follow the on-screen instructions and complete the process.
Using this virtual dollar card is straightforward; just enter your card details at checkout, and the payment is automatically deducted from your Cardtonic wallet. You don’t even need a domiciliary account since your Naira is instantly converted to dollars for each transaction.
Beyond virtual dollar cards, Cardtonic also lets you trade gift cards and sort your online bills in one place. It’s a one-stop platform for handling any kind of payment, anytime and anywhere.
2. Zole
Zole is another reliable platform that offers virtual dollar cards that Nigerians can use. The cards cost about $2 to create and come with no recurring maintenance fee. However, when you use this card to make international transactions, a 0.5% fee is applied.
Nonetheless, this virtual dollar card makes paying for goods and services online smooth and stress-free. To use a Zole virtual dollar card, download the Zole app, set up your account, and fund your wallet with Naira. Once that’s done, tap “Get Virtual Dollar Card” and follow the instructions. In less than a minute, your virtual dollar card is ready.
3. Dantown
Dantown’s virtual dollar card is designed to be one size fits all. Supported by Mastercard, this card works for both local and international payments. So whether you’re spending in Naira or in dollars, you can easily use this card.
This card costs about $1, and it can be gotten anywhere and anytime. However, it comes with a maintenance fee of $1. But beyond this, you won’t run into charges for funding fees, deposit fees, or fees when a transaction is declined.
4. Bitisika
Bitisika is another platform that issues virtual dollar cards in Nigeria. The good thing is you don’t need a full KYC registration before getting one. Hence, getting one is quick and easy to set up.
This virtual dollar card is a prepaid card that can be funded with either crypto or Naira. It costs about $3 to create, and there are no extra maintenance charges attached. Once the card is active, you can use it for instant transactions as long as you keep topping it up.
5. Vesti
Vesti is a fintech app that issues a virtual dollar card accepted on more than 100 platforms. This virtual dollar costs $10 and has a monthly spending cap limit of $10,000. The card is acceptable and secure, and can help you make your international payments in a few minutes. There are also no hidden charges or maintenance fees.
To get started, download the Vesti app, create your account. Fund your wallet with at least the Naira equivalent of $10, and apply for the virtual dollar card. Once that’s done, you should be able to make your international payments in minutes.
Frequently Asked Questions on Apps to Get a Virtual Dollar Card in Nigeria
1. Which App is the Most Reliable for Getting a Virtual Dollar Card in Nigeria?
Cardtonic is the most reliable app for you to get a virtual dollar card in Nigeria. You can also opt for a Visa card or one supported by Mastercard. Either one costs about 1.5 dollars to create and comes with no extra charges.
2. How Can I Get a Virtual Dollar Card Online
To get a virtual dollar card online, choose a relatable platform you want to try. For instance, you can get a Cardtonic virtual dollar card by downloading the app on your device and setting up an account. Fund your wallet with naira and click on a virtual dollar card to get one.
3. Can I Use my Naira Card to Make Online Payments in 2025?
Yes, you can now use your Naira card to make payments online in 2025. However, you may have network glitches that may interrupt your transaction. It is advisable to use virtual dollar cards.
4. Is a Virtual Dollar Card Secure for Online Transactions?
Yes, a virtual dollar card from a reputable card like Cardtonic is very secure for online transactions. Your payments and transactions are highly protected.
5. What Happens if My Virtual Dollar Card Gets Declined?
If your virtual dollar card gets declined, the most common reasons are insufficient funds, wrong card details, or the merchant not accepting virtual cards. Make sure your wallet is funded, and your billing information matches the card details.
Conclusion
Whether it’s paying for a Meta subscription, shopping on Amazon, or handling any other international payment, a virtual dollar card has become a must-have for anyone making foreign transactions.
Luckily, these cards are affordable, and most platforms offer a quick sign-up process. If you’re ready to simplify your payments, you can try out options like Cardtonic, Bitisika, or Vesti today.
