₦airaland Forum

Fyabdul:
Good morning all. Please how can I save my 5million and get more interest.
I have an account with First Bank and Stanbic.
I've been reading sukuk bond but don't know how to invest. I thought of i-invest but their rate is 6.9. Please I need a help.

Please read this article tounderstand and get insight on the top investment opportunities in Nigeria https://www.anatech.com.ng/best-investment-in-nigeria/

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kryptochats:
remove that wallet africa from that list, go and read reviews about them those people are scammers, don't even try it

Thanks for this notification

AAA593:
Thanks

Welcome

EngEbi:
Nice write up, thanks for the elucidation

You are highly welcome

Due to the restrictions that come with Naira-based debit cards; limiting shopping and making online payments, find below the best virtual dollar cards in Nigeria.

As a Nigerian, utilizing debit and credit cards to pay or make purchases online is one of the most suitable and convenient ways. It could be shopping for gadgets, clothes, and more on cheaper shopping websites or the best shopping websites for your preferred choice. It becomes frustrating and inconvenient when you decide to pay for services on some international platforms and service providers like Spotify, Amazon, Facebook, Apple Music, Google, Netflix, Shopify, Alibaba, and Fashion Nova among others. This also applies to paying on some app payments gateways. You will discover the Nigerian debit or credit card keeps being rejected.

Why would that be? It is because either the Nigerian banks have set a daily limit of $20 and a monthly limit of $100 on foreign and international transactions or these foreign websites and international platforms won’t just accept your card.

The most suitable solution to all these is a virtual dollar card. A virtual dollar card is not a physical, handy, or plastic card like regular debit and credit cards. It is a digital card that is dollar-denominated and is used on mobile devices for paying for purchases online. The virtual dollar card exists only in apps and can’t be used for physical transactions in stores. They are well suited for online shopping and transactions. They also have regular card details like your normal debit and credit cards. It has details like the card number, expiry date, card name, and the three-digit code( Security) which are all saved on either the platform or the app. They are funded in dollars by simply sending naira from your debit cards or account into the virtual card account.

If you are keen on knowing the best virtual dollar cards in Nigeria, keep reading this article as we will be examining the best apps to get a virtual dollar card for seamless shopping and transaction experience online.

List of The Best Virtual Dollar Cards in Nigeria

1. Chipper Cash Virtual Dollar Card

Chipper Cash is one of the best virtual dollar cards in Nigeria. They recently launched its virtual dollar card to ease Nigerians of the limitations during online purchases. It is a mobile app that is free and easy to download. and it allows you to send, request, and receive money from within and outside your country. It works by opening an account that gives you the right to an account number. This allows users to fund the account, and send and receive money from anywhere around the world right to you in Nigeria. It is super easy, fast with no service charge and just cheap conversion rates compared to others.
The following are needed to open an account with Chipper Cash to get a virtual dollar card:

Phone, valid email address, phone number,r, and your Bank Verification Number (BVN).

How To Get a Chipper Cash Virtual Dollar Card
⦁ The first thing is to download the app either from the Google play store or the App store.

⦁ Sign up by using either your phone number or email.

⦁ Use either your phone number or email for verification and you will receive a code to verify. Confirm it to verify your account.

⦁ Enter your details and other requested information.

⦁ The next step is to create a user name but ensure it is unique.

⦁ Select your country’s currency. This would be your transaction default currency.

⦁ Enter a security code used for your transactions. In a few seconds, your account will be set up. Great!

⦁ Activate your virtual Chipper dollar card by tapping the “Card” on the Chipper app.

⦁ Click on the virtual card, claim your card and enter your login information.

⦁ Select continue and your Chipper Cash virtual dollar card is good to go.

2. Gomoney Virtual Dollar Card

Gomoney is a reliable and easy-to-use digital bank. It is a digitized online banking platform for Nigerians. It offers the ease and conventional digitized banks making it easier and more convenient for its users to perform transactions seamlessly without any inconvenience. The Gomoney platform makes provisions for peer-to-peer payment and third-party services. It is stress-free, easy to use and convenient. Getting a Gomoney Virtual Dollar Card is very simple. All you have to do is open a Gomoney account and upgrade to tier or level 2 ( it has 3 tiers). With your Gomoney Virtual Dollar Card, you can shop online both internationally and locally in Nigeria. It also enables you to pay for your purchases in dollars. The limit of cash in your account depends on the tier level you are at.

Steps to Obtain a Gomoney Virtual Dollar Card
You need the following to open an account first: Full name, email address, contact information, address, phone number, utility bill with your current home address, your valid means of identification that is government-issued, and Taxpayer identification number or social security number.

⦁ Download the Gomoney app from your Google play store or Play store.

⦁ Enter your phone number and other detailed information required.

⦁ Enter the verification code or OTP sent to you and confirm it.

⦁ Verify your BVN by entering the code sent to you to confirm it.

⦁ Wait for the platform to verify your account. It takes a few minutes.

⦁ To activate your Gomoney Virtual Dollar Card, add a means of identification and upgrade to its tier or level 2. Very easy!

3. ALAT Virtual Dollar Card

ALAT Virtual Dollar Card is a digitized online banking platform that is regulated by Wema Bank. It is active in Nigeria and was created to offer its customers conventional bank services. It offers the following packages which are savings, physical debit card, loans, bank account, and ALAT virtual dollar Card. The ALAT Virtual Dollar Card is one of the best virtual dollar cards in Nigeria.

ALAT is a digital-only brand operated by a commercial bank that is active in Nigeria. It offers a complete banking package, loans, bank account, savings, and ALAT Virtual Dollar Card, It is one of the best virtual dollar cards in Nigeria. It helps you to make purchases from international platforms like Amazon, Shopify, Facebook, Google, and more from its app. Once the account is finalized and funded, you can deposit cash up to $20,000 from your naira account and it could be changed back from the dollars into naira.

Steps to Obtain an ALAT Virtual Dollar Card

⦁ Download the ALAT Virtual Dollar Card mobile app on Apple Store or Play Store through their website using your mobile phone.

⦁ Open an account by entering the required information and a secure password.

⦁ Enter the verification code sent to you and input your details into your account.

⦁ Wait a few minutes for your account to be set up.

⦁ To get your ALAT Virtual Dollar Cards, go to the dashboard, and click on“Card.”

⦁ Select the “ALAT Virtual Dollar Card” and type in your password or PIN.

⦁ The last step is to click on the Dollar Card and create a new virtual dollar card.

⦁ Follow the prompts and enter the requested information details and wait for it to be finalized. It takes just a few minutes and your card is up and running.

4. Wallets Africa Virtual Dollar Card

Wallets Africa, a Visa’s Fintech Fast Track Program is one of the best-digitized banking platforms in Nigeria. It is a Nigerian startup that offers all the services a conventional bank will do. It provides both physical and virtual naira and dollar cards. This allows you to carry out a seamless transaction anytime including International transactions on foreign websites. It makes shopping easy without any restrictions on where you can shop or not. With Wallets Africa virtual card, you don’t need to worry about theft of debit or credit cards while traveling. You just have to open an account, provide your valid email address at the checkout, and you are done. Wallets Africa virtual dollar card is acceptable on various apps and websites.

Steps to Obtain a Wallets Africa Virtual Dollar Card
⦁ Go to the App Store or Google play store on your mobile device and download the Wallets Africa app.

⦁ Create an account by signing up.

⦁ Verify your account with the verification code sent to you and deposit money into your account.

⦁ Click on create a virtual card and follow the prompts.

⦁ Enter your PIN and wait a while.

⦁ Enter the requested information and your card is set up.

⦁ Fund your virtual dollar card and you can begin to purchase with it.

5. Fundall Virtual dollar Card

Fundall is one of the best digital banking platforms in Nigeria. It offers different aspects of financial services to its customers. It offers services like savings, loans, bank accounts, and the Fundall virtual dollar card. This is to help customers make shopping on international platforms without restrictions and difficulties. It gives the privilege to shop anywhere in the world. It is one of the best virtual dollar cards in Nigeria with no transaction fee. The Fund virtual dollar card is free with a minimum of $5 to be deposited into your account. You could also create multiple cards for each of your preferred international platforms. It could be for Facebook, Netflix, Amazon, Apple Music, and more. It is easy to use for online shopping and it is secure and safe. Unlike physical cards which can be stolen, virtual dollar cards can’t be stolen and it is stress-free.

Steps to Obtain a Fundall Virtual Dollar Card
⦁ Download the Fundall app from your App Store or Google play store using your mobile smartphone.

⦁ Sign up and create an account entering the required information.

⦁ Verify your account with the OTP code provided. In a few seconds, your account is up and running.

⦁ Fund your account and open the “Create Card.”

⦁ Select the “new card” and you will see the option ‘Virtual Dollar Card’.

⦁ Click on the Virtual US Dollar card and within a few seconds, your card is ready.

⦁ Fund your Fundall virtual dollar card with a minimum of $5 to complete the card setup.

6. Mintyn Bank Virtual Dollar Card

Mint Digital Bank is one of the best digital banking platforms in Nigeria. It is a product of the Microfinance Bank (MFB). It offers the services of a conventional bank like investments, savings, and loans, and focuses on making banking transactions easy and convenient to use. The company later changed its name to Mintyn Bank. The banking platform also offers Mintyn’s Virtual Dollar Card. This virtual dollar card allows customers to shop anywhere around the world. You can receive money and send money. You can also pay for purchases conveniently from international platforms like eBay, Amazon, Netflix, WordPress, Facebook, Apple Music, and many more.

How to Create a Mintyn Virtual Dollar Card
⦁ Download the Minty app from your App Store or Google play store.

⦁ Sign up for an account and create an account by entering your correct information.

⦁ Set a password.

⦁ Verify your account by entering the verification code sent to your mobile phone number.

⦁ Go to the homepage and select create a card.

⦁ Click on Virtual dollar card.

⦁ Follow the prompts and enter your details and in a few minutes, your card is ready.

⦁ Activate your Minty Virtua al card by funding your account.

Conclusion
It could be tiring and exhausting having to go through some difficulties while trying to make purchases on international shopping websites or platforms which charge in dollars or other foreign currencies. It could also be card rejection or a payment gateway not going through. This is attributed to using Nigerian credit or debit cards which is due to the $20 daily and $100 monthly limit placed on the cards by the CBN. The virtual dollar cards listed above give you hassle-free transactions and remove the limits while shopping online. They are the Best Virtual Dollar Cards in Nigeria

Kindly share the experience you might have had with these virtual dollar cards by dropping your comment in the box below

Read more: https://www.anatech.com.ng/best-virtual-dollar-cards-in-nigeria/

Tobex4realTobex234:
Dollar limit on naira cards are now $20/month.
Virtual USD cards are being banned left and right.
PTA has been almost impossible to access from the banks.
Getting forex to pay for school fees has become increasingly difficult.

So, the dollar rate is not artificial, just wait for September admission Japa wave to U.K and January admission wave to U.S, if CBN doesn't provide forex for these needs, the scarcity of dollar would push it to 650 by 2023.

There are still a couple of companies that operate virtual dollar cards, please read this article to find them

https://www.anatech.com.ng/best-virtual-dollar-cards-in-nigeria/

More Pictures

Hon. Justice Anaga Kalu Uche ( Okele Odonyi, Ania) served as the President of Ohafia Improvement Union for a record period of 17years.

HON. JUSTICE ANAGA KALU UCHE
OKELE-ODONYI OF ANIA, OHAFIA
(1917-1983)

(UP-DATED COPY) Jan.28, 2021

B.L. ( UNIVERSITY OF LONDON).

LLB. (UNIVERSITY OF EXETER).

HON. MEMBER, EASTERN NIGERIA HOUSE OF ASSEMBLY.

COMMISSIONER, EASTERN NIGERIA PUBLIC SERVICE COMMISSION.

LEGAL ADVISER, PRESBYTERIAN CHURCH SYNOD.

LAY READER AND ELDER OF THE PRESBYTERIAN CHURCH OF NIGERIA.

MEMBER BIAFRA CONSTITUENT ASSEMBLY.

COMMISSIONER, BIAFRA POLICE SERVICE COMMISSION.

HON. ADMINISTRATIVE JUDGE, ORLU JUDICIARY.

Hon. Justice Anaga Kalu Uche was the third of seven children born into a noble family in Ndi Uduma Awoke, Ohafia, Abia State, Nigeria. He was however the first son.

His father, the brother of Prof. Eni Njoku's mother had relocated from Ebem, Ohafia to Ndi Uduma Awoke, Ohafia and married Nneafor. The couple was engaged in subsistence farming. Anaga Kalu Uche was the third of seven children and the first of five boys.

Anaga obtained his First School Leaving Certificate from Akanu Primary Mission School and proceeded to Hope Waddell Training Institute, Calabar, for his Higher Elementary School Teacher’s Certificate. Soon after, he started his teaching career with the Presbyterian Church of Scotland Mission School in Akanu. At this time he fell in love with a shy, very beautiful young girl, Eresi Ezi Mbila. It turned out that she was from Ndi Ikpo Compound as he. He married her. Their wedding ceremony was attended by many of the white Missionaries he worked with. It was the first time Ndi Uduma Awoke villagers witnessed a wedding attended by white Missionaries. The story about the wedding was told for generations. He took her back to Akanu to start their family

He quickly rose to become Inspector of Schools within Bende Division which included Igbere, Abiriba, Ohafia and Arochukwu. As he travelled around these territories his passion for his homeland Ohafia grew. The more he travelled through Ohafia he realized her developmental potentials and was enamoured by the beauty of its topography

He had always believed that development of any Community starts from the grassroots. Living in Akanu and being close to the other neighboring villages including his native village Ndi Uduma Awoke inspired him to conceive a Union that could bring the neighboring villages together for faster development. He and other community stalwarts created ANIA Development Centre, an Autonomous Community comprising of five neighboring villages of: Akanu, Abia, Ndi Uduma Awoke, Isiugwu and Amankwu for accelerated development. He established the ANIA CENTRE as the Headquarters and soon after relocated his family from Akanu village to Ania so he could supervise its development. ANIA market days was instituted through his leadership and all villages under ANIA brought their wares and farm products to sell. Ania Development Centre was right on the road between Ebem Ohafia and Ndi Uduma Awoke on the way to Ihie and Arochukwu. These Communities patronized the market and it thrived. ANIA was the first Development Centre created for development in Ohafia. Soon, other Communities in Ohafia copied and created Development Centres such as Isiama and others, which were established to drive grassroots development. These became the precursors of the creation of the present Autonomous Communities, which are politically motivated.

In 1952 he secured admission into the University of Exeter in England to study Law. He was called to the Bar in 1957 at the Middle Temple after obtaining his LLB Exeter and BL London. He turned down a job offer by the British Railway Authority and returned to Nigeria the same year. He was driven by his desire to return and drive the development of his Community and Ohafia as a whole. He set up a vibrant Law practice in Aba, Eastern Nigeria. Soon he was elected simultaneously President of the following unions - Ohafia Improvement Union (O.I.U.), Ania Improvement Union and Ndi Uduma Awoke Welfare Union.

In 1963 ran and won an election to the Eastern Region House of Assembly representing Bende East Constituency under the party NCNC. His unique political slogan during his campaign was “ THE HOUR THE MAN”. He won the election.

While a Legislator, at Ohafia level Anaga Kalu Uche attracted the establishment of Government Technical College (G.T.C.) Ania, and the then novel Post Offices at Ania, Ebem and Amaekpu. He also attracted the tarring of roads through Ohafia by the then Regional Government of Eastern Nigeria. There were no Federal roads in the days of the Regions.

Just before the Nigerian Civil War (also referred to as the Biafra War) broke out he was appointed a Commissioner in the Eastern Nigeria Civil Service Commission. He took this opportunity to ensure the appointment of many young Ohafia University Graduates into the Eastern Regional and Federal Civil Service. He mentored many Ohafia young men and women to choose the Law profession. He also inspired many others to become effective Community Leaders and Politicians. During the Nigerian Civil War, he was nominated a member of Biafra Constituent Assembly, representing Ohafia. This was a Think-Tank group that met periodically with the top Command of Biafra to brain-storm on the way forward. He was also appointed a Commissioner in the Biafra Police Service Commission.

After the Civil War in 1970 he once again set up a vibrant Law practice in Umuahia, in the then Imo State. He led the Umuahia Bar for many years as Chairman of the Bar Association. He was one of the prominent Abia elites who lobbied for the creation of Abia State which was to be carved out from the former Imo State. In 1976 he was appointed a High Court Judge.

Anaga Kalu Uche was the President General of Ohafia Improvement Union for unprecedented 17 (seventeen) years. As President General of Ohafia Improvement Union (O.I.U), he led the O.I.U to establish the Ohafia High School, Ebem. Ohafia High School became the symbol of the unification of Ohafia, to march forward together as an entity, leading to the stability O.I.U enjoyed under his leadership. This period covered the greater part of his Law practice years. He only stepped down meritoriously when he was appointed a High Court Judge in Eastern Region. He stepped down to avoid conflict of interest in his new role as a Judge.

A. K. Uche had an abiding faith in God.This guided him throughout his life. He never missed an opportunity to preach the Sermon in any Church he was invited. He loved farming and owned a large Plantation which he visited and happily harvested crops often whenever he visited home to Ndi Uduma Awoke. His passion for Ohafia culminated in his authorship of a book titled" OHAFIA CUSTOMS AND PRATICES" He was called to glory on September 7th, 1983, while still in service as the Administrative High Court Judge in Orlu. He is survived by ten children, many grand and great grandchildren.

Written By: Aunty Nneonyeodiri Ukoha

With inputs from: Aunty Stella, Uncle Fab and Philip.

Ibrahim505:
South Africa and Rwanda

South Africa that is a Recession

We are looking to fund a snail farm in Lagos and we need a Farmer to partner with
Terms and Conditions will be agreed upon after the interview
Please notify interest if you are experienced and hardworking

Acme77:
Please I do not understand these banks. I went to Zenith and was told only 1 million upwards. Also at Stanbic IBTC, was told secondary has ended. Only primary is on. But I thought the rates been display was on the 15th. So why are they saying secondary has ended. And why will Zenith say only a million naira upwards can invest?


In Zenith Bank, the least is a million naira.
You may decide to use First Bank. The least amount in 100 thousand naira.

Yes that maybe their policy, you know of recent you can only invest in the primary market if you have 50,000,000 (Fifty Million Naira), what bank do is that they collect a large pool of investment, collecting large sums will ease their management as they will be a limited number of people to manage, that will be the main reason why they only accept not less than 1,000,000

Gavrelino123:
Good evening house...
Who have been debited from GTBANK 364 days..?
I'm yet to be debited...!!

I have not been debited too, Account officer says I should wait till tomorrow

hias2012:
Good analogy. Good to diversify,and well done folks. But what none has hinted is at what "time" one converts his/her dollars to Naira in order to make profit. In 2016 when the exchange rate skyrocketed was partly because of scarcity of dollars. Banks put a cap on how much dollars you could spend off your dorm account whilst abroad. For the most part, withdrawing in Nigeria wasn't even as easy as the banks cried they didn't have dollars to issue out. I guess this was the case whether you wanted to buy off the counter or withdraw from your dorm account. Hence the black market rate headed far North. And this is the reason people matained warehouses and Ikoyi flats as their dorm account for easy access.When we analyse it's good we highlight the pros and cons. The reason majority invest in TB is because they are sure of their rates, interest and capital and the "time". If you stack your dorm account, which is good, but who says or knows when exchange rate would go again far up and juicy enough at which point you decide to sell? This is not known by anyone. We've probably had like the 2016 experience twice since 1999 or thereabout. Many people died while waiting.

That said the second issue is that everybody is not the same. Some are more risk adverse than others. Some would dare the risk with the hopes of higher returns, and we know that only a percentage of this actually make their money - make it big while others lose evrything or die due to hypertension. But those who like it small, and are careful investing in zero-risk ventures are free from the above hassles, they ALL make their money albeith surely and steadily.

The third is that it is not TB rate that determines inflation rate but the reverse. Hence the fluctuation. So those praying for higher TB rate should know. Higher inflation, higher TB rate and we actually don't pray for this. We pray intlation rates keep going down. So if you have money and you don't know the sure profitable business or venture to invest in, keep investing in TB. However, make sure you don't eat all the interest, make sure part of it is reinvested otherwise with rising inflation the actual worth of your money is reducing over time if you EAT all the interest.

So far all the analysis make a good read for me, and this forum has to be lively to educate and as well to thrill.

Thanks Boss, people read one small thing and think they know it all

GonFreecss1:
I am wondering, did you ever see me say "do not buy Tbills?"

This is why I dislike advising Nigerians. They become hostile towards the truth. The same reason why the country is in shambles today.

I just stated some facts about what we are all putting our money in, me included. Also the importance about hedging and the risk of higher rates, inflation and not considering buying power.

Tell me, are we only to come here to discuss how good 16/18% rates are good? How we are becoming richer? Without understanding anything about Tbills? Or factors that affect rates? Or why higher rates should make you scared? It's almost like investing in something and expecting more returns without understanding the implications or why there should be more returns.

I am sorry for saying the truth about our safe investment, Tbills. I am sorry for trying to make people understand money more. I am sorry for saying anything at all in the first place. I can see I might be the enemy to so many people's dreams of becoming rich through Tbills, I apologize.

So what so you advice us to do?

Bekind33:
I had the same issue during my year 2 exams.

Thanks for your response, how did you resolve this?

Trouble1:
Jeez!
What course please?

BFN Elements of Banking

I scored 39/70 in the exam and scored above 25 in the TMA but I was given a D, is there a way to investigate and resolve this, I am starting to loose hope in this institution and might look elsewhere

Thanks for your reply

Thanks for your response, please provide reviews based on speed and availability of network

Must you be physically present to run your snail farm, if yes how can you effectively manage it from distance

Thanks for your response

Ggg

I subscribed for the treasury bill from Gt but up till this moment I have not heard anything from them, what could be wrong? Why the non response?

The law simply states that if you Rob with a weapon, and there is enough evidence to prove that you robbed with a weapon, you will be sentenced to die, it is very simple, those that wish for a more lenient punishment should contact the State House of assembly

donbrowser:
Mba. It will be treated like a C/O

Sorry for asking but I am not to clear yet

What does Mba mean?

I assume C/O means carry over, does that mean that I will be scored on this
Because from my understanding, a carry over is when you fail a course which is scored and has to be repeated

Thanks for your patience, I really appreciate

donbrowser:
You will have to repeat the course next semester.

Thank you for your response, for more clarification, will the exam I wrote be scored and added to my GP

I really appreciate your response

I did not do TMA for a course, but wrote the exam (in which I got 39.6/70), I wanted to do the TMA today and found out that TMA has closed, can I transfer this course to next Semester?

Thanks for your swift response

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