Get a virtual Visa card in USD. Fund with NGN or crypto. Spend at 70M+ merchants worldwide. No more declined transactions.
Nigerian banks frequently block international transactions without warning. Even when you enable foreign spending, cards get declined on platforms like Netflix, Amazon, and Google Ads — costing you time and missed opportunities.
With the Naira's volatility and CBN regulations limiting dollar access, Nigerians need a reliable way to spend in USD online. Figo gives you a direct path: fund with NGN via bank transfer, get instant USD spending power.
Figo is built for the Nigerian payment reality. No more calling your bank to enable international transactions. No more random declines. Fund with Naira or USDC and spend anywhere Visa is accepted.
Use your Figo card at 70M+ merchants globally. No more declined transactions for Nigerians.
Easily fund your card with NGN via bank transfer or with crypto like USDT and USDC.
Your funds are protected with enterprise-grade encryption and held with licensed partners.
Get your virtual Visa card instantly after verification. Start spending right away.
Your Figo card works everywhere Visa is accepted. Tap any service for a step-by-step guide.
Netflix
$6.99–$22.99/month
Spotify
$11.99/month (Premium)
YouTube Premium
$13.99/month
Disney+
$7.99–$13.99/month
Amazon Prime Video
$8.99/month
Amazon
Varies
AliExpress
Varies
Google Ads
Pay per click (you set budget)
Meta Ads (Facebook & Instagram)
Pay per click/impression (you set budget)
TikTok Ads
Pay per click/impression (min $50/day for campaigns)
ChatGPT Plus
$20/month
Canva Pro
$12.99/month or $119.99/year
No hidden fees. No monthly charges. Just pay for what you use.
$2
Card issuance (one-time)
$0.35
USD transactions
2%
Foreign exchange
Common questions about using Figo in Nigeria
Yes. You can fund your Figo card directly with NGN via bank transfer. The funds are converted to USD at a competitive rate and loaded onto your card instantly.
Absolutely. Figo is a Visa debit card issued with a US BIN, which means Netflix, Spotify, and all streaming platforms accept it without any issues — unlike many Nigerian bank cards.
Figo operates as a global fintech service. Your card is a US-issued Visa card, so it is not subject to CBN's restrictions on Nigerian-issued cards for international transactions.
Once you fund your card, your balance is held in USD. Naira exchange rate fluctuations won't affect your existing card balance — only future top-ups.
Yes. Many Nigerian digital marketers use Figo specifically for Google Ads, Meta Ads, and TikTok Ads because Nigerian bank cards are frequently declined on these platforms.
Learn how to pay for Netflix, shop on Amazon, run Google Ads, and more from Nigeria.
Read our guidesJoin thousands of Nigerians who never get declined again.
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