Best Virtual Naira Card in Nigeria [Top 7 Cheapest in 2024]

  • December 13, 2023

Ever wondered how you could make online payments without the hassle of physical cash or cards?

Welcome to the world of the virtual naira card in Nigeria, a financial innovation that has revolutionized payments in our digital era.

With the growing need for seamless transactions, virtual naira cards are becoming an indispensable tool for Nigerians.

In this comprehensive guide, we’ll explore everything you need to know about the best virtual naira card in Nigeria, including options for the cheapest virtual naira card in Nigeria and how to get one for free!

So, without any waste of time, let’s get started!

What is a Virtual Naira Card?

A virtual naira card, much like a physical debit or credit card, is a financial tool designed for online transactions.

The main difference? It exists entirely online!

With a virtual naira card in Nigeria, you have access to your funds without needing a physical card. Here’s what makes them unique:

  • Convenience: Pay for products and services online effortlessly.
  • Security: Secure transactions without exposing your main account.
  • Accessibility: Easy to obtain and use, even for international purchases.
  • Versatility: Available as virtual mastercard, virtual visa, or custom branded cards.

Related: Best Virtual Dollar Cards with Cheap Rates in Nigeria

How to Choose the Best Virtual Naira Card

Choosing the best virtual naira card in Nigeria requires careful consideration of various factors, including:

  • Fees: Look for options with low or no charges.
  • Ease of Use: Select cards that are user-friendly.
  • Customer Support: Opt for providers with reliable support.
  • Compatibility: Ensure the naira virtual card works with your preferred online platforms.

With all these in mind, let’s take a look at the best naira virtual card providers in Nigeria.

The 7 Best Virtual Naira Cards in Nigeria

Now, let’s delve into the best online naira cards in Nigeria that cater to different needs and budgets.

The following are the best virtual naira cards in Nigeria in 2023:

1. Carbon Virtual Card

Virtual Naira Card in Nigeria

Carbon offers a seamless virtual NGN card in Nigeria, perfect for individuals and businesses.

  • Fees: Affordable, with no hidden charges, catering to those looking for a cost-effective virtual card for online payment in Nigeria.
  • Usability: Excellent compatibility with online stores and international platforms.
  • Support: 24/7 customer support to assist with any inquiries.

2. Kuda Bank Naira Virtual Card

Kuda Bank’s virtual naira card is designed for both the everyday user and professionals looking for a top-tier virtual card in Nigeria.

  • Fees: Offering free virtual card options, it caters to a wide audience.
  • Usability: Great for local and international use, including virtual naira card for online payment Nigeria.
  • Support: Accessible and responsive support, with chat and hotline options.

3. Gomoney Virtual Naira Master Card

Gomoney delivers a fantastic NGN virtual card in Nigeria with robust features.

  • Fees: Fees are transparent and competitive, making it a solid choice for the cheapest virtual naira card in Nigeria.
  • Usability: Works efficiently with various payment gateways.
  • Support: Round-the-clock support through multiple channels.

4. Opay Virtual Naira Master Card

OPay’s virtual naira card offers convenience with a trusted name among virtual naira card providers in Nigeria.

  • Fees: Reasonable and well-structured fees for both personal and business use.
  • Usability: Ideal for all types of online payments, including virtual card for Facebook ads.
  • Support: Friendly and fast customer service, available via chat and phone.

5. GTB Mastercard Virtual Card

Guaranty Trust Bank offers one of the best virtual cards in Nigeria with its Mastercard.

  • Fees: Regular banking fees, providing a balance between cost and value.
  • Usability: Accepted widely, suitable for virtual naira card for online payment.
  • Support: Branch support and online assistance available for all users.

6. FirstBank Virtual Card

virtual naira card

FirstBank offers an efficient virtual naira card in Nigeria, with top-notch features.

  • Fees: Fees are transparent and in line with industry standards.
  • Usability: User-friendly interface, making it accessible to all users.
  • Support: Reliable support through various channels including phone and email.

7. Zenith Bank Naira Virtual Card

Zenith Bank stands out for its comprehensive offerings, including virtual naira account in Nigeria.

  • Fees: Market-aligned fees with no hidden charges.
  • Usability: Easy management and wide acceptance, suitable for virtual card for international payment.
  • Support: Extensive support through both online and offline channels.

With these details, you can make an informed decision on the virtual naira card in Nigeria that suits your needs.

Whether it’s for online shopping, subscriptions, or international transactions, these providers offer excellent options.

How to Get a Virtual Naira Card in Nigeria

Wondering how to get a virtual naira card in Nigeria? Here’s a step-by-step guide:

Choose a Provider

With numerous options available, such as Carbon, Kuda Bank, and GTB, it’s essential to identify the best virtual naira card in Nigeria that fits your needs.

Look for the cheapest virtual naira card, usability, fees, and customer support to make your decision.

Create an Account

Once you pick a provider, you’ll need to create an account. This process is usually done online via their website or mobile app.

They’ll ask for some personal information, so make sure to have your documents handy.

See Also: Best Free Online Banks in Nigeria

Verify Your Identity

To get a virtual naira card in Nigeria, you must verify your identity. This involves providing personal details, submitting a government-issued ID, possibly taking a selfie or video verification, and then waiting for approval.

It’s a crucial step to ensure security and trust in the process of obtaining a virtual card.

Fund Your Account

Depending on the provider, you might need to load some funds onto your new virtual naira account. Most providers have multiple options like bank transfer or depositing cash at a local branch.

Request a Card

Now that there’s money in your account, you can apply for a virtual Mastercard, virtual Visa, or other types of cards.

Navigate to the virtual card section, and follow the simple instructions. Some providers offer free virtual naira cards, so it might be a good idea to look for those if you’re budget-conscious.

Activate and Use Your Card

Once everything is set, your virtual naira card for online payment in Nigeria will be ready to use.

Activation might require a one-time password (OTP) sent to your registered phone number.

Use Cases of Virtual Naira Card

Wondering where to use a naira virtual card in Nigeria? Here are some ideas:

  • Online Shopping: Buy products from local and international websites.
  • Subscription Services: Pay for streaming, magazines, and more.
  • International Transactions: Pay for services abroad without exchange hassles.
  • Business Expenses: Track and manage expenses with ease.
  • Virtual Card for Facebook Ads: Run advertisements on social platforms.

Naira Virtual Card – FAQs

Can I get a free virtual naira card?

Yes, some providers offer free virtual naira card options.

How long does it take to get a virtual naira card in Nigeria?

Typically, virtual naira cards can be issued within minutes or a few hours.

Is the virtual naira card secure for online payments?

Yes, virtual naira cards offer enhanced security features for safe transactions.


The rise of virtual naira card in Nigeria has simplified online transactions and brought the convenience of digital finance to our fingertips.

Whether you’re looking for the cheapest virtual naira card in Nigeria or want to understand how to get a virtual naira card in Nigeria, this guide has covered all you need to know.

Explore the world of cashless transactions with the best virtual naira card in Nigeria and embrace the future of finance today!