Just Gadgets
Buy affordable gadgets from the comfort of your favourite app.
Virtual Dollar Card
Shop online, pay for services, or make international purchases.
Sell Gift Cards
Exchange unused gift cards for cash at amazing rates.
Bill Payment
Buy airtime, data, and pay utilities in 100+ countries.
Buy Gift Cards
Buy over 14,000+ local and international gift cards.
Virtual Bank Account
Open a Naira bank account for easy transactions.
Universal eSIM
Buy local and international eSIM with local payment methods.
Developer API
Integrate gift card services into your platform.
Blog
Get the latest news, articles, and updates from Cardtonic.
Rate Calculator
Check how much you get for your gift cards.
Upskill
MacBooks giveaway contest for tech enthusiasts.
#CTGivesBack
Learn about our community give-back initiatives.
Get In Touch
Reach out to us or follow us on social media.
Top up your Cardtonic wallet easily when you create a virtual bank account.
With Cardtonic’s Virtual Bank Account, topping up your wallet is seamless and accessible. Here are a few things to look forward to:
With Cardtonic, you can open an account from the comfort of your home. There’s no need to wait in long queues or fill out long forms.
Your money is your money, period. There are no fees attached to your virtual bank account on Cardtonic. However, there are inflows fees.
Your funds are our top priority. You can fortify your wallet with multi-factor authentication to safeguard your info.
With just a few taps, you can send money to anyone nationwide and they immediately receive it. No time to waste time!
Whenever I trade, I leave my money on the app for weeks and I always have peace of mind.
App Store
The security measures on the app feels like Fort Knox. I love it!
Trustpilot
With how safe my money has been on the app, I trust them more than most banks.
Play Store
Withdrawing money from my Cardtonic account has been easy, and fast so far. I never had to wait or worry about delays.
App Store
As soon as I heard that they operate in Ghana, I started trading with them. To my surprise, every time I make a withdrawal, they credit me very quickly.
Trustpilot
Whenever I trade, I leave my money on the app for weeks and I always have peace of mind.
App Store
The security measures on the app feels like Fort Knox. I love it!
Trustpilot
With how safe my money has been on the app, I trust them more than most banks.
Play Store
Withdrawing money from my Cardtonic account has been easy, and fast so far. I never had to wait or worry about delays.
App Store
As soon as I heard that they operate in Ghana, I started trading with them. To my surprise, every time I make a withdrawal, they credit me very quickly.
Trustpilot
Whenever I trade, I leave my money on the app for weeks and I always have peace of mind.
App Store
The security measures on the app feels like Fort Knox. I love it!
Trustpilot
With how safe my money has been on the app, I trust them more than most banks.
Play Store
Withdrawing money from my Cardtonic account has been easy, and fast so far. I never had to wait or worry about delays.
App Store
As soon as I heard that they operate in Ghana, I started trading with them. To my surprise, every time I make a withdrawal, they credit me very quickly.
Trustpilot
You can open a virtual bank account right from your phone in a few taps. You can go through our simple guide to get started.
We require your BVN just to confirm your identity and keep everything secure. Don't worry; your information is safe with us!
Yes, the security of your funds is our top priority. Cardtonic employs robust encryption and multi-factor authentication to safeguard your personal and financial information.
You can conveniently access your account statements and transaction history through the Cardtonic app or website.
If you require assistance, our dedicated customer support team is readily available to assist you with any inquiries, concerns, or problems you might encounter.
We’ll require basic personal information like email, phone number, and BVN. We'll guide you through the simple account opening process—no complex forms to fill out.
No, there are no maintenance fees for your Virtual Bank Account on Cardtonic. But there are deposit fees.
Yes, you can create a virtual dollar card for easy online and in-store spending.
Nope, there's no minimum balance required.
No, we’re not a bank. Our virtual bank account service is provided by a third-party partner with adequate licenses to provide such service.