Bitnob Virtual Card
by Bitnob
The Bitnob Virtual Visa Card is a USD-denominated prepaid card tailored for African (Nigeria, Ghana, Kenya, etc.) users to bypass local restrictions on international spending. It integrates directly with Bitnob's crypto wallet, allowing funding via Bitcoin (Lightning & On-chain) and Stablecoins (USDT/USDC on Tron/BSC/Polygon). It does not support Apple Pay or Google Pay.
Unique Features
- Direct funding via Bitcoin Lightning Network
- High funding limit for a virtual card ($50k balance)
- Support for cheaper stablecoin networks (Tron/Polygon) unlike many ETH-only rivals
Pros
- High maximum balance limit ($50,000)
- No monthly maintenance fees
- Accepts low-fee stablecoin deposits (Tron/BSC/Polygon)
- Instant creation via app
- Helps bypass strict African cross-border payment limits
Cons
- Creation fee ($2) and top-up fees ($1 up to $100, 1% above)
- Cross Border (FX) fee 3% + $0.50 on non-USD payments
- $1 decline fee from the 2nd consecutive insufficient-funds decline; card terminated on the 3rd
- Virtual only (no ATM access)
- Must keep a $1 minimum balance on the card
- Only one card at a time, max 20 terminations per lifetime
Integrations & Tech
Available In (8)
Fee Structure
Detailed Fee Structure
Cross Border (FX) fee 3% + $0.50 per transaction on payments in currencies other than USD; can also apply to some USD payments settled outside the US.
$1 for top-ups up to $100; 1% for any amount above $100. Min top-up $3, max $5,000 per top-up.
Detailed Limits
Fee Details
Bitnob help center (FAQ: What To Know About Bitnob Virtual Card), checked 6 Oct 2026: card creation $2; no card maintenance fee. Top-up: $1 for up to $100, 1% for any amount above $100. Cross Border (FX) fee: 3% + $0.50 per transaction on non-USD payments (can also apply to some USD payments settled outside the US). Declined-authorisation fee: 1st decline free, $1 on the 2nd consecutive decline, $1 on the 3rd and the card is terminated; a declined fee is also charged when an approved authorisation is never completed by the merchant and is reversed.
Limits & Conditions
Help center FAQ: min top-up $3, max top-up $5,000 at a time; max card balance $50,000; transaction limit $10,000 per payment. Keep at least $1 on the card (withdrawals must leave $1; reaching $0 requires terminating the card). One card at a time; up to 20 card terminations per lifetime. Card withdrawals take up to 24 hours.
Crypto Capabilities
Security & Custody
Supported Assets
