How to Get Free Virtual Credit/Dollar Cards in Nigeria

how to get free virtual credit dollar cards in nigeria

 Virtual Credit Cards are vital assets these days and have gained a voluminous increase in demand in the past years. Everyone will like to get virtual credit cards in order to enjoy the advantages and benefits it offers.

Today, we find many virtual card providers that provide free virtual cards and even without verifications. This is the case of virtual credit card generators with money.

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PayPal has even joined the game and gives free virtual card (PayPal key) to all its consumers located within the US. If you are not located in the US, that shouldn't be a worry for you. This is a guide on how you can create a verified USA PayPal account from any country.

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Just as PayPal, Skrill also gives free virtual Mastercard to their users to help them easily manage their funds during purchases online.

If ever you are located in Europe, then you got to checkout these instant virtual card providers that do not require deposits for issuing you a virtual card.

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Virtual cards have gone viral now that you can even get free virtual credit cards without a bank account, for PayPal verification and even for free trials and online purchases.

Top countries such as USA have virtual credit card providers, even UK has virtual credit card providers but how on Earth could you have thought Countries such as Nigeria do not have virtual card providers? They got even what we call virtual dollar card which we are going to discuss later.

In today's guide, I will share with you the best websites where you can get free virtual credit cards in Nigeria and also, the best platforms to get a virtual dollar card in Nigeria still.

What is a Virtual Credit Card?

A virtual credit card creates an extra layer of security for making a credit card payment. A virtual credit card is a randomly generated 16-digit number associated with your actual credit card account. 

Your credit card provider may offer this service as a way to protect against fraud whenever you shop without presenting your physical credit card.

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Once you make a purchase with the virtual credit card number, the number is retired and never used again. This prevents fraudsters from stealing your credit card number.

Virtual credit cards have several benefits over the real credit cards. What are these benefits?

Benefits of Using a Virtual Credit Card

Convenient for online shopping: You can shop online on any site using your virtual credit card. Most credit card providers issue virtual cards that are valid in almost all countries.

1. Easy to make one-time purchases: Pay and get served. No complications at payments. Everything is fluid with virtual credit cards.

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2. Manage subscriptions easily: Easily get free trials on any service you desire. You can cancel your free trial at anytime and prevents charges over the virtual card.

3. Fraud protection: Your virtual card helps secure your real card info. If should in case you detect any fraudulent activities on the card, you can freeze the card or easily delete it as to secure your funds.

4. Spending control: Control the way you spend by setting spending budget for each duty and even a spending limit on the card.

How to Get a Virtual Credit/Debit Card in Nigeria

Virtual cards in Nigeria are being provided by banks just as it is the case for top countries. We have spotted out 3 banks that provide free virtual cards for online payments in Nigeria.

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1. First Bank of Nigeria PLC

First Bank of Nigeria is one of the best banks where you can get a virtual card in Nigeria. Their activities are not fully virtual as they operate physically. Once an account holder, you will have a Naira debit card linked to your mobile wallet.

Your first virtual card will be a Visa card and you can use it on any platform where Visa payments are accepted.

Follow the steps below to apply for a virtual debit card on First Bank of Nigeria

  1. Download the First Bank mobile application
  2. Login to your account. If you don't have one yet, just create it.
  3. Tap on the Menu option on the left, and select the Card Services option.
  4. On the list presented to you, select the option with virtual cards and follow the steps to create your virtual card.

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2. Zenith Bank PLC

Zenith bank is another platform to get virtual cards in Nigeria. The Zenith Bank virtual card is issued for online transactions and can be used for local or international online shopping.

The card issued here can be used to pay bills and many subscriptions. However, you will not have to visit any of the bank branch before applying for a virtual card.

All you need to do is to visit the Zenith Bank website and apply for your virtual card. Alternatively, you can dial *966*2273# and follow the instructions.

3. Guaranty Trust Bank PLC (GTBank)

Guaranty Trust Bank is one of the best banks where you can get a Nigeria virtual card easily. The card gotten here can be used as a shopping card if in case you do not want to use your physical card.

They issue virtual Mastercard to for those that apply for it.

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One interesting thing about this bank is their card issuing is instant and it is really a great feature especially for those that need to do an urgent purchase and they don't have a physical card for that.

Follow the steps below to get a virtual card from GTBank:

  1. Visit their online platform from the link below and login to your account. If you don't have an account, just create one.
  2. On the control panel, select cards and on the left hand side, click on virtual cards and fill out the form.
  3. Click the ‘New Request’ button to initiate your request for a new virtual card.
  4. Select the account to be debited for the charges
  5. Check the ‘Terms and Conditions’ box and click on ‘Account To Link’
  6. Answer your secret question and click ‘Continue’
  7. Next, the confirmation button is displayed
  8. Generate a 6-digit code from your hardware token device, and input the 6-digit code on the confirmation page, then click on the ‘submit’ button.

Once your virtual card request is approved, you will have access to the following;

  • VCN (Virtual Card Number)
  • Expiry date
  • Activation Code
  • CVV

The above banks are banks where you can get a virtual card in Nigeria. And what of virtual dollar card? How and where can I get it? Well let's see that below.

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What is a Virtual Dollar Card and How does it work?

A Virtual Dollar Card is a non-physical card that allows you to spend dollars online without stress of using a debit card. These forms of debit cards are mostly designed for online payments. They are not for anything that requires physical handling like withdrawal of cash.

Virtual dollar cards work the same way as virtual debit cards. They cannot be credited just as are debit cards. it is used only for payments.

How to Get a Free Virtual Dollar Card in Nigeria

Everybody will like to know how to get a virtual dollar card in Nigeria. Below are the best platforms where you can get virtual dollar cards in Nigeria without complications. They are also considered to be the cheapest virtual dollar card providers in Nigeria.

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1. ALAT Virtual Dollar Card

ALAT is a virtual bank that is operated by a Nigerian commercial bank; Wema Bank. Operations started in 2017 and all consumers can now get virtual dollar cards without physically visiting the bank branch. ALAT app allows customers to access the banking features like free debit cards and savings accounts.

Rates and Fees on ALAT virtual dollar card:
As with physical bank cards, you are charged a small fee for payments made with your virtual card. You will also be charged a monthly card maintenance fee of 525 naira on each card created after your first virtual card.

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Follow the below steps to create a virtual dollar card on ALAT:

  1. Visit ALAT website or download their app and login to your account. If you don't have an account yet, just create one.
  2. From the main menu, select “Cards”
  3. Then click ALAT Dollar CARD
  4. Then select “Create a New Card”
  5. Enter your personal details
  6. Done. You just got your ALAT virtual debit card.

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2. Barter Virtual Dollar Card

Designed by Flutterwave, this barter virtual dollar card allow you to send and receive money worldwide. The card can also be used to pay bills for any services and purchase stuffs from any online platform.

You can get unlimited virtual dollar cards from Barter and create custom cards for specific purposes.

Limit of Barter dollar card:
The limit on your dollar virtual card is USD20,000 daily and the current limit per transaction is USD20,000.

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Follow the steps below to create a virtual dollar card on Barter:

  1. Visit the Barter website or just simply download their mobile application
  2. Signup for an account or just simply login if you got an account.
  3. Complete the KYC and identity verification process
  4. ‘Add money’ to your Barter account either through your debit card, or bank transfer
  5. Click ‘Create new card’ 
  6. Note, whether you create a specific custom card (e.g Netflix card, or an ASOS card)  or you create a basic multifunctional card, you can use all Barter cards anywhere online that debit cards are accepted. 
  7. Enter the amount you’d like to fund your dollar card with. (Note: card creation fee of $2 and $5 minimum creation amounts apply. You need to have a minimum of the equivalent of $7 to create a new card. )

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3. Eyowo Virtual Dollar Card

Eyowo is another online platform that you can use to create a virtual dollar card in Nigeria. You can fund your Eyowo dollar card with a minimum of $1. It is convenient for small and medium businesses.

One great thing about Eyowo virtual card provider is, they provide the virtual dollar card for free. If you need another virtual card, you will have to pay for it.

Follow the steps below to create a virtual dollar card on Eyowo:

  1. Visit Eyowo website or simply download Eyowo app from Google Play
  2. Click register and enter your phone number
  3. Enter your personal details including your BVN
  4. Then from the dashboard, select Eyowo dollar Cards
  5. Enter the name you want to use for the dollar card
  6. Enter the amount you want to fund your virtual dollar card
  7. Then click “Create Card”

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4. FXKudi Virtual Dollar Card

FXKudi is another platform that provides virtual dollar cards in Nigeria. With them, you can easily send and receive money from any part of the world. It is pretty simply to get the virtual dollar card from them.

Follow the steps below to know how you can create a virtual dollar card on FXKudi:

  1. Visit FXKudi website or simply download their mobile app
  2. Sign up for an account and verify your email. if you already got an account, just login.
  3. Update your personal information in the account
  4. Fund your account
  5. Now create a virtual dollar card

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5. Wallet Africa Virtual Dollar Card

Wallet Africa is a virtual dollar card and current account provider for small and medium enterprises. Wallet Africa app that has several features like virtual and credit cards. 

You are allowed to fund any of your cards with up to $10,000 and $1 minimum balance. You can create up to 5 dollar virtual card for free. Wallet Africa is one of the cheapest virtual dollar card in Nigeria.

Follow the steps below to create a virtual dollar card on Wallet Africa:

  1. Visit Wallet Africa Website or simply download their mobile app and sign up for an account
  2. Tap on “Cards” and then select “Create your Card”
  3. Enter your details
  4. Then fund your dollar card

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6. Eversend Virtual Dollar Card

Eversend is a well known mobile bank that provides currency exchange, saving accounts and money transfer services across the world. However, its services are available for most African countries.

Eversend virtual card enables users to make payments in US dollar as its debit cards are in US dollars.

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Follow the steps below to create a virtual dollar card on Eversend:

  1. Visit Eversend website and download their mobile app then signup for an account
  2. At the bottom of the app's interface, click on Cards
  3. Then select Create New Card
  4. Enter the amount you want to hold in the card. The minimum is $5
  5. Enter PIN and then fund the card

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Conclusion and Final Thoughts on Virtual Credit/Dollar Cards in Nigeria

Virtual credit cards are important assets for everyone which is why it is more than important to get at least one for yourself to ensure your finances and for antifraud. We have listed above, 3 banks that provide virtual credit and debit cards in Nigeria.

Virtual dollar cards have the same function but they are used for payments in USD currency.

If you are looking for the cheapest virtual dollar cards in Nigeria, then you can go in for Wallet Africa. They are the cheapest on the list.

if in case you are looking for a completely free virtual dollar card provider in Nigeria, then you can tryout Eyowo. The first virtual cards they issue are completely free.

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