Comparing Nigeria’s Top Dollar Card Providers: Features and Fees
Joseph Braide
May 23, 2025
Why Choosing the Right Virtual Dollar Card Matters
Freelancers, remote workers, travelers, and online shoppers need a seamless way to pay in dollars without excessive fees or delays. With multiple providers in Nigeria offering virtual dollar cards, how do you pick the best one?
In this breakdown, we compare Nigeria’s top dollar card providers—including Micro E-pay—based on fees, exchange rates, security, and usability, so you can make an informed decision.
Key Features to Compare
When selecting a virtual dollar card, consider:
✅ Card Creation Fee – How much does it cost to get the card?
✅ Exchange Rate – Is it competitive or inflated?
✅ Monthly Fees – Are there hidden maintenance costs?
✅ Transaction Fees – Charges for spending or withdrawing.
✅ Security – Fraud protection and spending controls.
✅ Funding Options – How easy is it to load funds?
Now, let’s compare the top providers.
1. Micro E-pay Virtual Dollar Card
✔ Card Creation Fee: $1.3 (one of the lowest in Nigeria)
✔ Exchange Rate: ₦1,680/$1 (competitive and transparent)
✔ Monthly Fee: $0 (no hidden charges)
✔ Transaction Fees: Low international transaction fees
✔ Security: Instant card freezing, virtual card numbers for extra security
✔ Best For: Freelancers, online shoppers, travelers, and businesses
Why Choose Micro E-pay?
- No monthly maintenance fees = Save long-term
- Best exchange rate compared to competitors
- Instant issuance – Get your card in seconds
- Multi-currency support – Perfect for global transactions
2. Chipper Cash
✔ Card Creation Fee: $5
✔ Exchange Rate: ₦1,700/$1
✔ Monthly Fee: $1
✔ Transaction Fees: 2% on withdrawals
Verdict: Still more expensive than Micro E-pay in the long run.
3. Dolla App by B-lord (BillPoint)
✔ Card Creation Fee: $2
✔ Exchange Rate: ₦1,740/$1
✔ Funding Fee: 1.5% on international purchases
Verdict: Higher fees and worse exchange rates than Micro E-pay.
Why Micro E-pay is the Best Choice
✅ Lowest fees – Only $1.3 to create, no monthly charges.
✅ Best exchange rate – More dollars for your naira.
✅ No hidden costs – Transparent pricing.
✅ Instant & secure – No delays, full control over spending.
