Ledger
Busha Card
Busha CardBusha Card
VisaVirtual onlySince 2026Asks for a documentOperational
A dollar Visa from a licensed Nigerian exchange that spends USDT and USDC as a balance rather than converting them to naira first — $2 to open, nothing to fund or keep, and a fee schedule that stops there because the card terms live inside the app.
Total, per $100 spent: not published
The issuer does not publish enough of its charges for us to price this card. That is not the same as cheap.
Open busha.ioNot a paid link: we earn nothing either way.
Whether to take Busha Card
Worth it if you are in Nigeria or Kenya and hold stablecoins you want to spend in dollars: $2 to open with no funding or maintenance fee is cheap, the exchange behind it is SEC-licensed with a million users and a real review base, and the stablecoins are spent rather than sold into naira first. Go in knowing you cannot price it. Everything past the $2 — the conversion spread on every purchase, the foreign-currency charge and all the limits — is inside the app, and the card is online-only with no Apple Pay or Google Pay.
In its favour
- $2 once and nothing after: no funding fee and no maintenance fee, all three stated in one sentence on Busha's own launch post
- Spends USDT and USDC natively rather than making you sell them first — the stablecoins are a spendable balance, not a swap on top of a naira account
- An SEC-licensed Nigerian exchange with more than a million users behind it, and a real review base: 4.6 on the App Store over 5,000 ratings and 4.5 on Google Play over 11,000
- Five deposit networks for stablecoins, including Plasma, with the per-network send fees published
Against it
- The fee schedule stops after three numbers. The Card Terms are gated behind the in-app application, so the currency-conversion rate, any per-payment charge, the decline fee and every spending limit are simply not published
- Every USDT or USDC purchase converts to dollars at a rate Busha does not publish anywhere — the real cost of using this card is that unquoted spread
- No Apple Pay and no Google Pay on a virtual-only card means it cannot be used in a shop at all, whatever "wherever Visa is accepted" suggests
- Nigerian users cannot fund the card from naira: Busha states plainly that naira payments, Apple Pay and Google Pay are not supported
Also true, in its favour
- Up to four cards on one account, each separately named and coloured
- A dollar card for a market where dollar cards are the scarce thing — Nigeria and Kenya, from a locally incorporated and locally regulated company
What Busha Card costs
| Charge | What it costs |
|---|---|
| To get the card | |
| To issue the card | $2.00 |
| Monthly | $0.00 |
| To put money in | |
| To load | 0% |
| To spend it | |
| At a cash machine | Not available — the card is virtual only and Busha publishes no ATM function or fee |
| Total, per $100 spent | Not published |
Not published by the issuer: to spend, per payment, fixed, to spend outside the dollar.
Read off busha.io on September 12, 2026.
Three numbers are published and they are all in one sentence: a one-time $2 card creation fee, no funding fee and no maintenance fee. Nothing else is. The Card Terms are presented during the in-app application, so the stablecoin-to-dollar conversion rate, the foreign-currency charge, any per-payment fee, the decline fee and every spending limit are unavailable before you have applied. The conversion rate is the one that matters most, because every purchase from a USDT or USDC balance passes through it. There is no ATM fee because the card is virtual and no cash function is published, and there is no mobile-wallet support, so the card works online only.
KYC: what Busha Card asks for
A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.
Asks nothing7 cards
An email19 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address113 cards
Limits on spending
Busha Card publishes no spending limits at all.
Where it works
WalletsNeither
Accepted whereOnline only
Account detailsNone — it is a card, not an account
Coins in2USDT, USDC
Chains5Ethereum, BNB Chain, Tron, Solana, Plasma
Issued only to residents of 2 countries — the issuer runs an allowlist, so everywhere else is closed.
- Kenya
- Nigeria
The other flaws
- The SEC licence is marketed flatly while other Busha wording calls it provisional, and no licence number is published for a reader to check
- The $2 is charged only after an approval whose criteria are published nowhere
- The Terms reserve the right to bill you for enhanced due diligence, and to freeze or terminate at Busha's sole discretion
- No country list exists for the card specifically — Nigeria and Kenya come from the Terms' statement about the whole service, and the deposit clause names Nigerian bank accounts only
- Nothing can be withdrawn until you reach Busha's own verification Level 2
How we checked this
Thirteen fields are tracked for every service. 8 of them carry a figure we read off busha.io on September 12, 2026.
- Issuer's page
- Loading chargeSeptember 12, 2026 · IssuanceSeptember 12, 2026 · MonthlySeptember 12, 2026 · Cash machine charge · Apple Pay and Google Pay
- Sign-up flow
- Identity level
- Live check
- Operating statusSeptember 12, 2026
- Terms
- Countries closedSeptember 12, 2026
- The issuer does not publish
- Cost per $100 · Currency conversion · Per-payment charge · Spending limits · Maximum balance
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open busha.ioNot a paid link: we earn nothing either way.
Alternatives to Busha Card
Its issuer publishes nothing to compare on price.
El Dorado CardEl Dorado CardVisaVirtual onlyAsks for a documentOperationalPublishes 2 of five fee fields — not enough to price.AG7 Septnot published
El Dorado CardEl Dorado CardVisaVirtual onlyAsks for a documentOperationalPublishes 2 of five fee fields — not enough to price.AG7 Septnot publishedIts issuer publishes nothing to compare on price.
Gate US CardGate US CardVisaVirtual onlyAsks for a documentOperationalPublishes 3 of five fee fields — not enough to price.AG12 Septnot published
Gate US CardGate US CardVisaVirtual onlyAsks for a documentOperationalPublishes 3 of five fee fields — not enough to price.AG12 Septnot publishedThis one we could price: $3.05 per $100 spent.
Onboard CardOnboard CardVisaVirtual onlyAsks for a documentOperational1.25% when you load, 1.5% outside the dollar and $0.30 fixed.AG7 Sept$3.05per $100 spent
Onboard CardOnboard CardVisaVirtual onlyAsks for a documentOperational1.25% when you load, 1.5% outside the dollar and $0.30 fixed.AG7 Sept$3.05per $100 spent