Virtual NGN card
Your Card For Everyday Spending
A HostFi virtual naira card for the online payments you make every day: shopping, food, rides, bills and more.
- Pay local merchants in naira
- Keep your bank card private
- Create in minutes
Why a naira card
Your money is global, your bills are local
You might earn in dollars or crypto, but most of what you pay for day to day is priced in naira.
Converting is a chore
Getting money from crypto or dollars into something you can pay with locally usually takes several apps.
Sharing your bank card online
Saving your main bank card on every app and website feels risky and hard to keep track of.
Checkouts want naira
Local stores, delivery and ride apps charge in naira and expect a card that works with them.
The HostFi naira card gives you a dedicated card for local online payments, funded from the same app where you manage your money.
What it's for
Pay online like a local
A naira card that slots into the checkouts you already use.
Everyday payments
Shopping, food, rides and bills
Use your naira card wherever eligible merchants take card payments online, from your weekly groceries to your TV subscription.
- Pay eligible local merchants in naira
- Save it in your favourite apps instead of your bank card
- See every payment in HostFi as it happens
Online store
- Wireless earbuds₦15,950.00
- Delivery₦2,500.00
Card number
Payment successful
₦18,450.00 paid with your HostFi card
Funding options
Fund it from your HostFi balance
Top up your naira card from the money you already hold in HostFi. Converting from stablecoins or dollars first? The app shows the rate and any fee before you confirm.
- Fund from your naira balance in seconds
- Convert from USDT or USD in the app when you need naira
- Only spend what you load onto the card
Fund from
- NGN balance₦184,500.00 available
- USDT → NGNRate shown before you confirm
- USD → NGNRate shown before you confirm
How it works
Your naira card in four steps
- 1
Create a naira card
Go to Cards in the HostFi app, pick a naira (NGN) card and create it in minutes.
- 2
Fund it
Move money onto your card from your HostFi balance. Any fee is shown before you confirm.
- 3
Use it at checkout
Add your card number, expiry date and CVV to eligible apps and websites, then pay in naira.
- 4
Track your spending
See every transaction and your card balance in the app, and top up whenever you need to.
Where to use it
Built for everyday spending
Examples of eligible local payments. Acceptance always depends on the merchant.
Online shopping
Fashion, gadgets, groceries
Food delivery
Restaurants and grocery apps
Rides
Ride-hailing and transport
TV & streaming
Local TV and streaming plans
Airtime & data
Top-ups and data plans
Bills & utilities
Electricity and internet
Events
Concerts, cinema and events
Learning
Courses and exam portals
- Jumia
- Konga
- Chowdeck
- Glovo
- Bolt
- Uber
- DStv
- Showmax
- Netflix
- Spotify
Merchant names are trademarks of their owners and are shown as examples of where eligible cards can be used.
Use cases
Who it's for
Global earners
Earn in dollars, live in naira
Turn part of your HostFi balance into naira spending money without juggling apps.
Careful spenders
A card just for online
Keep your main bank card off shopping sites and use a separate card for online payments.
Families
Household spending
Load what you plan to spend on groceries, deliveries and bills, and keep an eye on it in the app.
Students
Everyday campus life
Pay for data, rides, food and course materials from one card you control.
Fees, limits & card details
Everything you need to know before you create your card.
- Card type
- Virtual cardCard network shown when you create your card
- Card currency
- Nigerian Naira (NGN)
- Time to create
- Within minutes
- Card creation fee
- Shown in appDisplayed before you confirm
- Funding fee
- Shown in appDisplayed before you confirm
- Spending limits
- Shown in appListed on your card in the app
- Where it works
- Eligible online merchantsSome merchants may not accept virtual cards
Card availability, fees and limits may vary. The HostFi app always shows the applicable terms before you confirm.
Virtual naira card
questions, answered
What is the HostFi virtual naira card for?
It's a naira-denominated virtual card for eligible local online payments, such as online shopping, food delivery, rides, bills and local subscriptions, without exposing your main bank card.
How is it different from the dollar card?
The naira card is for paying merchants that charge in naira. If you're paying for international services priced in dollars, use the HostFi virtual dollar card instead.
How do I fund my naira card?
Fund it from your HostFi balance in the app. If your money is in stablecoins or other supported assets, convert it in the app first and then fund your card. Any fee is shown before you confirm.
How quickly can I get one?
You can create a HostFi virtual card within minutes, right from the app.
Where does the naira card work?
Use it with eligible merchants that accept cards for online payments. Acceptance depends on the merchant.
What fees and limits apply?
Any applicable fees and limits are shown in the HostFi app before you create or fund your card.
Create your naira card today
Download HostFi and get a virtual naira card for everyday online spending.
