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 apply
- Foreign transaction fees (3% + $0.50) on non-USD payments
- Strict penalty ($1) for insufficient funds declines
- Virtual only (no ATM access)
- Must maintain $1 minimum balance
Integrations & Tech
Available In (8)
Fee Structure
Detailed Fee Structure
$1 for amounts <$100 or 1% for amounts ≥$100
Detailed Limits
Fee Details
Creation fee: $2. Top-up fee: $1 (for amounts <$100) or 1% (for amounts ≥$100). FX/Cross-border fee: 3% + $0.50 (charged on non-USD transactions). Insufficient funds penalty: $1 (after card decline).
Limits & Conditions
Max Balance: $50,000. Max Top-up per transaction: $5,000 (Min $3). Max Transaction Spend: $10,000. Min operating balance: $1 (required to keep card active).
Crypto Capabilities
Security & Custody
Supported Assets
