How To Get a Virtual Card In Nigeria

Introduction.

Getting a virtual card in Nigeria has become more common as online shopping, subscriptions, and digital transactions grow.

Whether it’s paying for services like Netflix, buying products from international stores, or making payments on apps like PayPal, virtual cards make these tasks easier. They’re secure, easy to get, and reduce the risks associated with physical cards.

But how do you get one in Nigeria? I’ll walk you through everything you need to know—from what virtual cards are, why they’re useful, how to get one, and even the best providers in Nigeria. By the end of this, you’ll feel confident about making your choice.

What Is a Virtual Card?

A virtual card is just like your regular debit or credit card, but it exists only online. It doesn’t have a physical form but has all the same details: card number, CVV, and expiry date.

You can use it for online payments, subscriptions, and sometimes even in-store purchases through apps like Google Pay or Apple Pay.

Why Use a Virtual Card?

Virtual cards are great because they offer more security. If you’re worried about fraud, virtual cards help because you can block them or even create one-time-use cards. This is helpful when shopping on websites you’re not entirely sure about.

Here’s why they’re worth it:

Security: Your actual bank account details aren’t exposed.
Control: You can set spending limits.
Global Access: They work for international payments, even if your regular naira card doesn’t.
Convenience: No need to carry a physical card everywhere.

How Do I Get a Virtual Card in Nigeria?

Now, let’s talk about how to get one. It’s simpler than you might think. Here’s a step-by-step guide:

1. Choose a Virtual Card Provider

There are a lot of options in Nigeria, like Barter by Flutterwave, ALAT by Wema, and Kuda. Each has its features, fees, and requirements. Some are tied to specific banks, while others work as independent platforms.

2. Sign Up

Download the app or visit the website of the provider you prefer. You’ll need to create an account using your email or phone number.

3. Verify Your Identity

Most providers will ask for some form of identification—like your BVN, NIN, or a government-issued ID. This is to comply with regulations and ensure your account is secure.

4. Fund Your Wallet

Before you can use your virtual card, you need to load money into your wallet. This is usually done through a bank transfer or debit card.

5. Create Your Virtual Card

Once your wallet is funded, you can generate a virtual card. Choose between a naira or dollar virtual card depending on your needs. Some platforms even let you personalize the card name.

6. Start Using It

Your card details will be displayed on the app. Copy them and use them for your online transactions.

Best Virtual Card Providers in Nigeria

Here’s a quick rundown of some popular options:

1. Barter by Flutterwave

Currency: Naira and Dollar
Fees: Free to create; low maintenance charges
Features: Multi-currency support, easy-to-use app
Best for: International transactions

2. ALAT by Wema

Currency: Naira
Fees: Affordable; no hidden charges
Features: Linked directly to your Wema Bank account
Best for: Local payments

3. Kuda Bank

Currency: Naira
Fees: Free virtual cards
Features: Great for everyday payments
Best for: First-time users

4. Chipper Cash

Currency: Dollar
Fees: Competitive
Features: Supports international payments
Best for: Paying for subscriptions like Spotify or YouTube Premium.

FAQs

1. Can I get a virtual card without a bank account?

Yes, some platforms like Barter or Chipper Cash don’t require you to have a traditional bank account. You just need to load funds into the app.

2. Are virtual cards safe?

Absolutely. They’re safer than physical cards because you can block them instantly or use them only once to minimize risk.

3. Can I use a virtual card for international payments?

Yes, but only if you get a dollar virtual card. Check with your provider to see if they support international transactions.

4. What happens if my virtual card is hacked?

You can block the card immediately in the app. Your funds will remain secure.

5. Are there hidden charges?

This depends on the provider. Some charge maintenance fees, while others might have transaction limits or foreign exchange fees. Always read the terms before signing up.