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.
Every Cardtonic account comes with a USD Wallet, wherever you sign up from. Fund it, spend it across the app, or convert it into your local currency.
Every Cardtonic account comes with a USD Wallet. It holds the dollars you use across Cardtonic, including funding your Virtual Dollar Card whenever you need to spend.
If your account is in Nigeria, Ghana, Kenya or South Africa, you also have a local currency wallet and can move money between them. If you sign up anywhere else, the USD Wallet is your account’s home currency.
You can use your USD Wallet balance to fund your Virtual Dollar Cards for online shopping, subscriptions, and international payments.
Get Started
Need Naira, Cedis, Shillings or Rand instead? Convert money from your USD Wallet into any Cardtonic wallet.
Get Started
Withdraw from your USD Wallet to an external wallet using USDC or USDT. You can save a wallet address and reuse it for future withdrawals.
Get Started
Send money to another Cardtonic user with their username or email address. No account number or bank details needed.
Get Started
Use your USD Wallet to buy gift cards and eSIMs, pay local and international bills or shop for gadgets.
Get Started
No application, no approval, no domiciliary account. Your USD Wallet is created with your Cardtonic account, wherever in the world you signed up from.
Sell a gift card and take your payout in dollars, or top up directly with USDC and USDT.
You can fund your Virtual Dollar Card using your USD Wallet balance. When needed, withdraw your available card balance back to your USD Wallet.
Convert into Naira, Cedis, Shillings or Rand. Send it to another Cardtonic user. Or withdraw to your own wallet in USDC or USDT.
Your USD Wallet is created automatically when you sign up for Cardtonic or if you're already an existing Cardtonic user.
You can fund your USD Wallet with supported stablecoins, including USDT and USDC.
Use your USD balance to buy gift cards, pay for eSIMs, pay bills, and spend with your Virtual Dollar Card.
Yes. You can fund your Virtual Dollar Card from your USD Wallet, and withdraw the card's available balance back to your wallet whenever you need to.
Yes. You can convert your USD balance to other supported currencies on Cardtonic at the applicable exchange rate and fees.
Yes. You can withdraw your USD balance as a supported stablecoin, subject to applicable requirements and limits.
You can currently fund your USD Wallet with supported USDT and USDC deposits.
No. The USD Wallet is a digital wallet within Cardtonic for holding and using your USD balance. It is not a traditional USD bank account.
No. Your USD Wallet is created automatically, so there's no separate wallet setup. Once you have a USD balance, you can use it to fund your Virtual Dollar Card.