4 Virtual debit cards you can easily open in Nigeria

It can be challenging to use your regular bank debit card for foreign internet purchases like paying for Facebook advertisements, Amazon, Google, Spotify, or even Netflix subscriptions. Hence, the need for virtual cards.

Having a virtual debit card in Nigeria makes carrying out transactions and purchases easier and more convenient. I have compiled what I believe to be Nigerians’ top virtual debit cards in this article for those wishing to shop online and perform various transactions.

Continue reading as we explore the top mobile applications and platforms for virtual debit cards for online payment convenience.

Platforms you can get a virtual card from in Nigeria

These are some platforms you can get virtual debit cards you can open in Nigeria


Wema Bank, a commercial bank in Nigeria, operates ALAT, a totally digital bank. It debuted that year. Users of ALAT may open accounts and manage their finances without ever visiting a bank. In addition, the app offers access to personal and group savings as well as other services like a totally free debit card.

How to Use the ALAT Virtual Dollar Card

  • Log in to ALAT using a mobile device or a web browser.
  • On the main menu, select “Cards.”
  • Tap “ALAT Dollar Card.”
  • Input a New Card
  • Complete all fields to move further.

2. Barter

Flutterwave developed the virtual card called Barter so that its users and every Nigerian could easily make payments online. You can make purchases on websites where your actual card is being declined if you have a Barter virtual card.

Barter allows you to pay in dollars, and funding is simple. Naira may be used to finance your Barter Card, and you can attach your actual card to it as well. Regardless of whether the card is active or not, each card has a $1 monthly maintenance cost.

You can simply make purchases on websites and applications by using a Barter virtual credit card; all you need to do is fund the card. It is incredibly simple to obtain a Barter card; all you need to do is download the Barter app, register, and verify with your BVN.

3. Chipper Cash

A pre-funded, reloadable virtual Visa card called the Chipper Cash Card may be used to make purchases anywhere online. The card functions similarly to how your local bank card functions online.

The card is accepted anywhere Visa cards are accepted for online transactions. It may also be used to simply purchase anything online with your Chipper cash wallet, including Netflix subscriptions, flights, and other services.

Tier 1 and Tier 2 wallets/accounts are available on Chipper Cash. While the app’s tier 2 wallet gives you access to more functions, the tier 1 wallet has several restrictions. According to Chipper Cash, 5% cash back is offered on all purchases.

4. Mintyn

One of the top digital banking systems in Nigeria is Mint Digital Bank. It is a thing the Microfinance Bank has produced (MFB). It focuses on making banking transactions simple and straightforward to use while providing the services of a traditional bank, such as investments, savings, and loans. Later, the business became known as Mintyn Bank.

The Mintyn Virtual Dollar Card is also available on the banking platform. Customers are able to make purchases anywhere in the world using this virtual dollar card. Money can be sent and received. Additionally, you may easily make purchases from overseas websites like eBay, Amazon, Netflix, WordPress, Facebook, Apple Music, and many more.