Fund, Hold and Spend with a USD Wallet.

Explore virtual dollar cards, gift cards and digital payment solutions in Ghana

Sell gift cards, get a virtual dollar card, hold different currencies, and buy eSIMs from one account.

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Endless Possibilities

USD Wallet

Hold Dollars, fund your wallet with stablecoins and use your balance across Cardtonic. You can also convert your Dollars or withdraw them as supported stablecoins.

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Sell Gift Cards

Sell your unused gift cards and choose to receive your payment in Cedis or Dollars.

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Buy Gift Cards

Choose from over 14,000 local and international gift cards for shopping, gaming, streaming and more.

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Virtual Dollar Cards

Create a virtual dollar card for subscriptions, online shopping and international payments.

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Buy eSIMs for 140+ Countries

Buy an eSIM for over 140 supported countries and stay connected without changing your physical SIM card.

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International Bill Payments

Pay airtime, data and other supported bills in Ghana and over 100 countries using your Cedis or USD Wallet.

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Frequently Asked Questions

How do I fund my Cardtonic account?

You can fund your Cardtonic wallet with Cedis or USD directly in the app. You can also sell gift cards and select which of your Cardtonic wallets receives the payout.

How many wallets can I have?

Up to five. Your account starts with a Cedi Wallet and a USD Wallet, and you can add three more.

What documents do I need to verify my account?

Your Ghana Card, Voter's ID, Driver's Licence, or International Passport.

Which currencies can I hold?

Cedis, Rand, US dollars, Naira and Shillings, all in the same account.

Can I get a virtual dollar card in Ghana?

Yes. Create one in the app and fund it from your USD Wallet.

Does it cost anything to convert between my wallets?

No. Converting between your own Cardtonic wallets is free.