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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 with your crypto and spend it anywhere no P2P, no waiting, just tap and pay.

Spend globally 0% conversion fees Visa & Mastercard accepted Instant funding
Get your card

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.

Tap

Simply tap your card on any NFC-enabled device for instant, seamless transactions. No need to carry cash or input card details.

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 crypto balance.

Shop anywhere online

Pay for subscriptions, ads, software, flights and stores worldwide. Your card works wherever Visa or Mastercard is accepted.

Funded by your crypto

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 minutes no vendors, no chat, no waiting.

1

Get the Monica app

Download from Google Play or the App Store and complete the one-screen KYC.

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% fees.

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.

Create your card

Put the future of payments in your pocket

Join 500,000+ Nigerians spending smarter with Monica. Fund a virtual dollar card with your crypto and pay anywhere, anytime.

Get the app