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Virtual Card

A card number you can throw away.

Create a dollar card in a minute for online payments, and delete it the moment you are done.

Create a cardSee all rates

60 secondsto create one, and you can burn it after

₦500
to create one
5
active at a time
USD
accepted worldwide
Delete
any time, free

How it works

How Virtual Card works

Four steps at the most, and none of them involves a branch.

  1. 1

    Create one for the thing you are paying for

    Name it "Netflix" or "AliExpress". Fund it with only what that payment needs.

  2. 2

    Use it once, or keep it for a subscription

    Details reveal in the app behind your fingerprint, and copy with one tap.

  3. 3

    Delete it when you are finished

    The number stops working immediately. Anything left on it goes back to your account the same day.

In the app

This is Virtual Card, as you will actually see it

Not a screenshot. Everything in this phone is the same code the app is built from, drawn live in your browser.

Get the appCreate a card

Your card

cardDebit

Card ending 4417

Ngozi OkaforExpires 09/29
Freeze
Details
Limits
Spent this month₦184,200
Daily limit₦500,000
Online paymentsOn

On this card

Shoprite IkejaPOS · 3 Aug-₦24,800
Total filling stationPOS · 2 Aug-₦15,000

What you need

  • A Citadele account with a verified NIN.
  • A funded naira balance — the card is funded at the day’s rate.

Every deposit with us is insured by the NDIC. You do not apply for that cover and you are not charged for it.

Create a card

Rates and limits

Creating a card
Per card
₦500
Funding
Of the amount converted, at the day’s rate
1.5%
Cards at a time
5
Maximum on one card
$2,000

What it costs

Creating a card
₦500
Funding
Of the amount converted
1.5%
Deleting a card
The balance is returned the same day
Free
A declined payment
Charged by the international network, passed on at cost
₦100

Questions

The things people ask before they start

If yours is not here, call us on the number at the bottom of this page and a person will answer.

The number you give a website is not the number attached to your money. If that site is breached, you delete the card and nothing else is exposed. Funding it with only what the payment needs caps what can be taken.

The official rate on the day, plus 1.5%. The app shows you the naira amount and the dollar amount before you confirm — you never find out the rate afterwards.

People also look at

Citadele Card

Spend from your account anywhere a card is taken in Nigeria.

₦1,500once, then nothing each month

Learn more about Citadele Card

Everyday Account

Keep your money where it earns, and spend from it when you need to.

₦0to open, and no monthly fee

Learn more about Everyday Account

Fixed Savings

Lock an amount for a term you choose and earn the most we pay.

Up to 22%a year, on a 365-day term

Learn more about Fixed Savings

Licensed by the CBN · Deposits insured by NDIC

Open Virtual Card in five minutes, on your phone.

Your BVN, a photo of your ID and a selfie. No branch, no forms, no minimum deposit.

Create a cardTalk to someone first