1Activate your virtual card
In the Monica app, navigate to Cards. Tap Get Virtual Card. Activation is instant for verified accounts.
2Fund the card
From your Monica balance. The card holds USD.
3Use the card
Works on most international merchants Netflix, Spotify, Apple, Google, Amazon, Uber, AWS, etc. Standard 16-digit virtual card with CVV.
4Manage subscriptions
Use the card-management screen to pause, lock, or freeze. Subscription billing is reliable as long as the card is funded.
Questions people ask
How do I activate?
One tap in the Monica app for verified accounts.
Funding source?
Crypto balance or naira balance. Both work.
Where can I use it?
Most international merchants accepting Visa/Mastercard.
Fees?
Card-specific fees may apply see /cards page for current schedule.
Apply this with Monica.cash
0% conversion fee, within 60s of confirmation payouts, 7 coins, all banks. Built for the Nigerian use cases this guide covers.