Just Gadgets
Buy affordable gadgets from the comfort of your favourite app.
Virtual Dollar Card
Shop online, pay for services, or make international purchases.
Sell Gift Cards
Exchange unused gift cards for cash at amazing rates.
Bill Payment
Buy airtime, data, and pay utilities in 100+ countries.
Buy Gift Cards
Buy over 14,000+ local and international gift cards.
Virtual Bank Account
Open a Naira bank account for easy transactions.
Universal eSIM
Buy local and international eSIM with local payment methods.
Developer API
Integrate gift card services into your platform.
Blog
Get the latest news, articles, and updates from Cardtonic.
Rate Calculator
Check how much you get for your gift cards.
Upskill
MacBooks giveaway contest for tech enthusiasts.
#CTGivesBack
Learn about our community give-back initiatives.
Get In Touch
Reach out to us or follow us on social media.
Naira, Cedis, Shillings, Rand and US Dollars, in any direction. Move money between your Cardtonic wallets and spend it in the currency you need.
Heading to Accra, Nairobi or Johannesburg? Convert before you go and pay in local currency when you arrive, without hunting for a bureau de change. Sort your travel eSIM at the same time and skip roaming charges too.
Buying something priced in another currency on Cardtonic? Convert what you have into what the payment needs, then pay your bills or settle an international bill from the right wallet.
If another Cardtonic user sends money to one of your currency wallets, you can convert it to the currency you need.
Took your payout in your USD Wallet and need it in naira instead? Convert it whenever you want. You also choose which wallet receives your money every time you sell a gift card.
You can convert between Naira, Cedis, Shillings, Rand, and US Dollars in any direction.
Yes. You can add and hold wallets in any of our supported currencies, even if you don't live in that country. You can fund these wallets by converting from your main wallet or by selling a gift card and receiving the payment in that currency.
Open the Cardtonic app, select Convert, choose the wallet you're converting from and the wallet you're converting to, enter the amount, review the conversion, and confirm.
Conversions are instant. Once confirmed, the converted amount is immediately available in your destination wallet.
No. Converting between your Cardtonic wallets is completely free.
No. All your wallets are managed from one Cardtonic account, and you can hold up to five wallets at a time.
If you're in Nigeria, Ghana, Kenya, or South Africa, you'll have your local currency wallet and a USD Wallet. If you're signing up from any other country, a USD Wallet is created for you. You can add other supported currency wallets anytime from the Cardtonic app.