Tap
Simply tap your card on any NFC-enabled device for instant, seamless transactions. No need to carry cash or input card details.
Introducing Monica Pay Cards
A whole new way to Pay, Spend & Get Paid on the go
Putting the future of payments in your pocket. Fund a virtual dollar card from your Monica balance and spend it anywhere: no P2P, no waiting, just tap and pay.
- Spend globally
- 0% conversion fees
- Visa & Mastercard accepted
- Instant funding
onicaVirtual · USD
Funded fromYour Monica balanceVISAmastercard
Discover New Ways to Pay
With Monica Pay Cards, making and receiving payments has never been this easy. Have fun paying and getting paid: it's the future of payments in your pocket.
Scan
Each card comes with a unique QR code. Scan it to pay effortlessly, or receive payments securely from others.
Spend globally
Make international payments with a virtual debit card that just works anywhere Visa or Mastercard is accepted.
The Virtual Dollar Card
Shop and spend globally. Make international payments with a virtual debit card that just works anywhere Visa or Mastercard is accepted. Fund it in seconds from your Monica balance.
Shop anywhere online
Pay for subscriptions, ads, software, flights and stores worldwide. Your card works wherever Visa or Mastercard is accepted.
Funded from your Monica balance
Sell BTC, ETH, SOL, TRX, BNB, USDT or USDC for Naira on Monica, then load your dollar card all in one app, with 0% conversion fees.
Secure by design
Freeze, unfreeze, and manage spending limits in real time. Bank-grade security aligned with NDPC data protection standards.
From Crypto to Card in 3 Steps
Turn your digital assets into spendable dollars in under 60 seconds after the network confirms: no vendors, no chat, no waiting.
Step 2
Sell crypto for Naira
Send BTC, ETH, USDT or any supported coin to your Monica wallet. It converts to Naira instantly at the live market rate with 0% conversion fee.
Step 3
Create & fund your card
Open a virtual dollar card in the app, load it from your balance, and start spending anywhere Visa or Mastercard is accepted.
Fund It Straight from Crypto
Earning in USDT or BTC? See exactly how to fund a virtual dollar card from your Monica balance, deposit, convert at the live rate with 0% conversion fee, and load the card in minutes.
Put the future of payments in your pocket
Join 700,000+ Nigerians spending smarter with Monica. Fund a virtual dollar card from your Monica balance and pay anywhere, anytime.