Shop, Subscribe & Spend Smarter with Spenda Virtual Cards (Naira & USD)
In today’s digital world, having the right virtual card can make all the difference between a smooth online experience and a declined payment. Whether you're shopping locally or paying for global subscriptions like Netflix, Apple Music, X Premium or AliExpress, Spenda Virtual Cards have got you covered; safely, instantly, and affordably.
Let’s walk you through everything you need to know to get started.
What Are Spenda Virtual Cards?
Spenda Virtual Cards are digital debit cards that you can create straight from the Spenda app. They work just like regular cards. You can use them to shop online, subscribe to services, or pay for ads and software, all without needing a physical card.
With Spenda, you can choose the perfect card for your needs; whether it’s in Naira or USD.
Types of Virtual Cards on Spenda
You get three powerful card options:
1. Naira Verve Card
Perfect for local online payments.
- Instantly created & activated
- No monthly fees
- Accepted on AliExpress, Jumia, Spotify, Netflix, Uber, and over 40,000 other merchants
- Linked directly to your Spenda Naira wallet
One-time creation fee applies
2. USD Visa Card
Your gateway to international payments.
- Instantly created & activated
- Spend up to $10,000 daily
- No monthly maintenance fees
- Accepted worldwide, from Amazon to Apple
- Free to create, just fund to use
3. USD MasterCard
Another global card option with the same power.
- Instant creation & activation
- Spend up to $10,000 daily
- No monthly fees
- Widely accepted globally
- No creation fee, just fund and go
How to Create a Spenda Virtual Card
It’s as easy as 1-2-3:
- Open the Spenda App and go to the “Cards” tab
- Tap “Create Virtual Card”
- Choose your preferred card type:
- Naira Verve
- USD Visa
- USD MasterCard
- Tap “Create Card”
- Fund your USD card to activate, or pay the one-time fee of N500 for the Naira card and you’re done!
Instant creation. Instant use.
Follow the steps to create a Spenda virtual card
USD Card Funding; transparent and Simple
Creating a USD Visa or MasterCard is free, but funding the card comes with a small fee, and we keep it 100% transparent.
When funding, you’ll see:
- The exchange rate (e.g., $1 = ₦1,622)
- Your converted Naira amount
- The funding fee
- The total Naira charge
You’ll know exactly how much you’re paying. No hidden fees, no surprises.
Card Deletion & Withdrawals: What You Should Know
Thinking of deleting your USD card or withdrawing funds? Keep this in mind:
- A minimum $1 balance must always remain (required by card providers).
- This $1 can still be spent; just not withdrawn.
- If you delete the card, the $1 balance will not be refunded to your wallet.
- So, always try to spend the full balance before deleting your card.
Why People Love Spenda Cards
Thousands of users are using Spenda Virtual Cards every day for:
- Subscribing to services like Apple Music, YouTube Premium, Netflix, Spotify, X Premium
- Running ads on Instagram, Meta, LinkedIn, and TikTok
- Paying for online tools like Canva, Zoom, ChatGPT, Notion, and Grammarly
- Shopping online on platforms like Amazon, AliExpress, eBay, Shein, Temu, and more
Whether it’s a $3 subscription or a $1,000 online order, Spenda gives you global access, local ease.
Ready to Get Started?
