Virtual card
Free
Issue up to three virtual cards free of charge, the moment your account is verified. No monthly card fee, no minimum balance.
Fees
Simple, transparent pricing
Virtual cards are free. Top-ups start at 3%. USD spending is 1%. Every rate on this page is the total you pay — FX rate and the final USD amount are always shown before you confirm.
Top up
From 3%
One all-inclusive fee per top-up, covering payment processing, wallet funding and FX buffer. Exact USD credited is shown before you confirm.
USD spending
1%
Flat 1% on every USD payment at Visa or Mastercard merchants — Netflix, ChatGPT, AWS, Spotify, GitHub. No surprise markup on top.
Top up your wallet
Fund your USD balance from any supported method in Nigeria or Kenya. The fee applies to the amount you add; the USD you receive is calculated at the interbank rate with a 1% FX buffer that is already included below. You see both numbers before confirming.
| Funding method | Available in | Fee |
|---|---|---|
| Bank transfer | Nigeria, Kenya | 3.0% |
| USSD | Nigeria | 3.0% |
| M-Pesa | Kenya | 3.0% |
| Debit card (local) | Nigeria, Kenya | 4.0% |
| International card | Nigeria, Kenya | 5.0% |
Minimum top-up: $5 equivalent (≈ ₦8,000 in Nigeria, ≈ KSh 650 in Kenya).
Daily maximum: follows CBN and CBK retail guidelines; shown in the app.
Spending from your card
Your LCash virtual card spends directly in US dollars at any Visa or Mastercard merchant. Payments outside USD are auto-converted at the card network rate with a 2.5% LCash fee — which keeps us covered on the processor cross-currency pass-through.
| Action | Fee |
|---|---|
USD payment at any Visa/Mastercard merchant | 1.0% |
Non-USD payment (auto-FX at card network rate) | 2.5% |
Payment under $3 | Free |
Declined transaction LCash covers any network-level decline fee. | Free |
Refund returned to wallet | Free |
ATM withdrawal | Coming soon |
Cards & account
Opening and running the account is free. You only pay to move money in, and on each USD payment you make.
| Action | Fee |
|---|---|
Wallet opening | Free |
Monthly account fee | Free |
First virtual card | Free |
Card freeze / unfreeze | Free |
Virtual card replacement | Free |
Physical card (where available) | Coming soon |
Closing your account | Free |
All fees are shown as a percentage of the transaction in US dollars. LCash may revise fees with at least 30 days’ notice in the app and on this page; changes never apply retroactively.
Questions about a specific fee?
Happy to walk through any line of this page — email us and you will get a real human reply.
support@lcash.com