Are you tired of creating and funding dollar virtual cards? Give me a fintech that can process naira card payments for global merchants, and I will show you Changera.

Changera is an international money transfer platform with a virtual card system. So have you ever been frustrated with pending subscriptions because the several channels you use abruptly stopped working? Your Naira cards no longer process international transactions and virtual card services are withdrawn. 

Try Changera today and enjoy its numerous benefits, plus virtual card services. Never say that the financial system sucks because Changera is here to rewrite the story.

I may earn a commission if you use my referral code “vr7kuk”. Thanks for using my referral code.

What you need to know about Changera Virtual card and international money transfer

About Changera International Money Transfer and Virtual Card System 

Changera is an online platform that allows you to transfer money, use virtual cards, purchase airline tickets, buy airtime and data and make other bill payments.

Launched in May 2021 as a product of Bitmama Inc, a blockchain company providing crypto payment solutions. Changera’s aim was to bridge the cross-border payment gap that exists between country-to-country money transfer within Africa and worldwide. 

Changera as a blockchain infrastructure, allows users to receive crypto deposits and convert it to fiat. So users can send and receive money globally, fastly, and securely. Users can also access the virtual card to pay for their Facebook ads and other dollar online payments.

Thousands of people and merchants currently use the application on the iOS and Android platforms. First-time users can simply visit the Playstore or App Store to download the app and launch their first virtual cards for online transaction purposes.

How Changera Platform Works

This is an image showing How Changera works

Changera is an International money transfer application that allows millions of users to send and receive money in any currency of their choice and other currencies worldwide. It is a quick, easy, and secure way of making payments.

Changera is one of the current future platforms for remittance and cross-border digital mobile payments to the globe. To start, you need to first:

  1. Download the Changera App on Google Play Store or Apple store. 
  2. It takes just a few minutes to download and get started on your smartphone
  3. Register on the application by supplying all your personal details like name, address, country of residence, phone number, and BVN. You also need to create a unique password in this stage.
  4. The fourth stage is email and phone number verification. You will send a token, and you need to supply the token back for proof.
  5. The fifth stage is the verification documents stage which requests your selfie or picture, address, and any of your identity cards for proof of address.
  6. Submit your verification documents and wait for the approval.
  7. Once your account is approved within 20 to 30 minutes
  8. Your account is ready to use. You can log in back in to your account with the password you created and enjoy the services.

Pro’s and Cons of Changera

ProsCons
Guarantees all users, especially freelancers and premium users, great customer experience Exchange and converting rates are high
Allows users to take full control of their money.The transfer takes a long time to reflect on the receiver’s account 
Individual users can send, receive and make online payments with their virtual cards with just an easy swipe and taps on their smartphones.The Naira and Dollar rate is very high. Charges 0.50 USD as withdrawal fee 
You can buy airtime or data top-up for your family, friends, and neighbors.Charges a high fee for all transactions and other extra fees attached 
24/7 support You will be debited in your local account but it will take time to reflect in your Chnagera account. 
You can also use the app for bill payments in any currency free.They charge you for transferring back to your bank.

9 Incredible Things You Can Do on Changera App

Changera is a platform where you can perform funds transfer transactions in almost all currencies and is available in Africa, the EU region and the United. Changera app is a cross-border social payment app that allows its users to experience what it means to do funds transfer within the world at your fingertips. 

There are majorly 9 incredible things you can do with your Changera app to enjoy the unique benefits that comes with it.

  1. Send money and receive money
  2. Subscription and virtual domiciliary bank account 
  3. Virtual and physical cards
  4. Mobile money transfer
  5. Fast payouts and withdrawals
  6. Referrals
  7. Recharge airtime and data
  8. Pay remote workers
  9. .

1. Send money and receive money

You can use the Changera app to send and receive money from  your family, friends, business partners and customers within African countries, United States,and the European region.

Comes with an instant money transfer with competitive rates which is easier and more secure.

2. Subscription and virtual Domiciliary bank account 

Africans migrating to the US and other European countries for work or study can easily get a foreign bank account on our Changera app and start transacting immediately.

These virtual bank accounts on Changera work just like you are in these countries mentioned above and you can make foreign your transfers, convert to local currencies, and also collect foreign payments.

Well, with the introduction of these features on the Changera app, it has helped a lot of people. So it was fixed by introducing virtual euro, dollar, domiciliary bank accounts.

3. Virtual and physical cards

The Changera virtual and physical dollar debit cards are accepted globally on all the VISA and Mastercard online checkouts and in-store paypoint. 

You can go cashless and access your funds with the Changera app at any moment and anywhere in the world with their Virtual & physical cards.

4. Mobile Money Transfer

Changera offers quick & secure mobile money transfers anywhere at any time. You can transfer money globally from your wallet fastly without stress or moving from one dollar black market or Bureau de Change to another.

5. Fast Payouts and Withdraw 

Skip the hustles and hassles of the long queues at the bank and use Changera app. The easy-to-use Changera app is a bank alternative that saves you time and energy . Also pay your other utility bills in an effortless way globally.

6. Referrals

With Changera referral feature you can earn when your family, friends and customers  carry out transactions on the app for up to 3 years. 

The following below is how you make money referring people to Changera:

  • Physical card order by your referral earns you $1
  • Subsequent virtual cards after the first card by referrals gives you $0.2
  • Your referral’s first transaction greater than $20 earns you $0.5
  • Make 20% commission on the subscription fee of your whole referrals, when they upgrade to either premium or freelancer plan. 

7. Recharge Airtime and Data

You can recharge airtime and data for yourself, family, and friends anywhere in the world from the app.

8. Pay remote Workers

Do you know that you can pay your remote workers on the Changera app easily from anywhere, and at any time? Their platform helps  businesses like yours make easy  payments to their workforce in a timely and effective manner. 

Moreso, freelancers, remote workers, and other businesses can use these Changera app to create accounts and easily collect and make payments.

9. Changeras Community

Changera created a community platform on the discord app where all Changers users can get to meet each other and share experiences and difficulties they are encountering on the application.

Users can also catch up on trending conversations in entertainment, travel, sports and music, and travel on the community platform. They even added a “Japa” support channel to help you with your travel plans and take your Japa dreams to the next stage. 

The aim of the community was for you to make tangible inputs on how to make Changera better for all users and also speak to the customer service faster. So click to join the community and start interacting with other users and Changera customer service.

8 Features of Changera Platform 

The Changera Platform has unique payment features, which range from:

  1. Making online or cross-border payments. That is, you can Send & Receive Money within and outside your country or globally.
  2. Airtime and data purchase
  3. Has virtual & Physical Cards options
  4. Fast Withdrawals & Payouts
  5. Utility bill Payment instantly
  6. Airlines ticket purchase 
  7. Pay freelance or remote workers
  8. Mobile money transfer.

Changera Rates in Nigeria

ServicesRate
International TransactionsUsers can spend between  $20 to $50/per month for international transactions, which depends on their bank spending limit on naira debit cards.
Dollar rate withdrawal feeCharges 0.50 USD as withdrawal fee
Virtual card feeThe card fee is $1
Virtual card Funding feeA funding fee is 1.5% of the USD amount
Naira funding feeUp to N300 to N305 depending on the amount
Naira withdrawal feeUp to N567 to N700, depending on the amount
Bill payment You will be charged N100 for utility bill payments or even more.

In Africa, it can take an average of 9% to make a transaction of $200 compared to the world’s average of 7% on other platforms. 

How does the Changera Virtual Card work?

This is an image showing how Changera Virtual card works

Users can easily access the Changera Virtual Cards by first

  1. Downloading the Changera app from your App Store or PlayStore 
  2. Once downloaded, you can launch the application
  3. Register on the app if you are a first-time user or login if you are a returning user
  4. The mobile app users can navigate to the ‘Cards” section and click on “Get Card”. 
  5. Input the required details in the field provided
  6. As soon as all the required details are provided, such as card type, Payment method, preferred currency, card type, and wallet.
  7. You can now select “pay” to make payments for the Virtual card to be created automatically and instantly. 
  8. Once your payment is successful or shown as successful
  9. Click on ”Continue” to proceed to your cards page section. You will automatically see your new virtual card.

Request for Virtual Card for Returning Users 

This is an image showing how to request for Changera Virtual card for returning users

You need to locate the virtual card pane and fill in the following details to request for a virtual card with Changera:

  1. Amount to fund (Minimum of $10 and a maximum of $250 at a time)
  2. Enter your transaction pin
  3. Hit the create card button.

Charges for Changera Virtual Card 

  1. The card fee is $1
  2. The funding fee is 1.5% of the USD amount you wish to fund.

Note: Users are also able to create different card services like Netflix subscriptions, trading on Alibaba AWS, Netflix, Skype, Facebook google ads, Google in-app and store purchases, and so on.

Changera Virtual Domiciliary Bank Account 

Changera’s virtual domiciliary bank account is a new feature on  Changera platform that allows users who upgrade their account to either a freelancer or premium subscription plan can easily access their dollar, euro, and pound virtual bank accounts on the app to receive or make payments globally. 

Changera has been providing working dollar virtual cards with over $10,000 limits which can be funded with local currencies to its users. They can access it in naira, cedis or Kenyan shillings.

The Changera App 

The app is designed to give individuals a seamless user experience when transacting online or making cross-border payments. The features of the application includes:

  1. Has 215 reviews on Google Play Store
  2. With 2.9/5 star ratings on Google Play Store 
  3. Over 10k+ downloads
  4. The compatibility version for Android users is 3.0.3, and the required iOS is 5.0 upwards.

3 Changera Plans 

The three Chnagera plans available currently are:

  1. Freemium (which is free for first-time and all users. Cost is $0/year)
  2. Freelancer ($50/yr)
  3. Premium ($100/year)
Freemium PlanFreelancer PlanPrimum Plan
Any first-time user that signs up successfully and is verified by Changera, automatically subscribes to the freemium plan. It is $0/per year.Need to upgrade to this plan for the price of $50/yrTo upgrade to a Premium plan, you need to pay $100/yr.
Immediate access to 3 wallet currencies optionsImmediate access to 7 currencies Immediate access to 15+ multiple currencies 
Immediate access to 3 crypto. So you can receive 3 crypto deposit options and convert to fiatImmediate access to 3 cryptocurrencies. Allows to receive a crypto deposit and convert it to fiat Immediate access to 3 cryptocurrencies. You can receive a crypto deposit and convert it to fiat.
First-timers have immediate access to virtual cards Immediate access to 5 free virtual cardsImmediate access to 10 free virtual cards
It has a virtual card limit of $10,000/month It has a virtual card limit of $50,000/month It has a virtual card limit of $5100,000/month 
It has a physical card limit of up to $10,000/ monthYou will have access to GBP and EUR account You will have access to GBP and EUR accounts and USD and CAD, which is coming soon.
With this plan, you can purchase airtime and data across the worldWith this plan, you can get exclusive access to cashbackWith this plan, you can get exclusive access to many cashback
Allows you to use vouchers and bill payment Immediate access to USD account Access to Apple Pay Card
Permits you to request virtual and physical cardsYou can request your physical card issuance You can request your free physical card issuance, which is exclusive to delivery.
You can transfer money within 24 to 36 hours.It gives you a transfer processing limit of 1 to 3 hours which is also subject to your transfer destination. It has a transfer processing limit of 30 minutes which is also subject to your transfer destination. 
This plan Permits you to book flights to anywhere in the world with improved rates.With this plan, you can have access to exclusive events and discount ticket prices for your exclusive events.Transfer money within 24-36 hours. With this plan, you can also access exclusive events and discount ticket prices for your exclusive events.
Permits you to send Payments to up to 70 countriesPermits you to send Payments to up to 150 countries
You can access ACH/ SEPA/ SWIFT virtual cardsYou can access ACH/ SEPA/ SWIFT virtual cards
With this plan, you will gain exclusive Priority Support With this plan, you will gain exclusive Priority Support 
Exclusive Priority gain to airport facilities Exclusive Priority gain to airport facilities 
Access to the credit cards of up to $10,000, which is coming soon

How to Buy Airtime From Changera 

This is an image showing how to buy airtime from Changera

To buy airtime from Changera, follow the procedure below:

  1. First, download the Changera app from the Google Play store or iOS store. 
  2. Sign up and complete the verification process to enable you to use the application for airtime purchases and other transactions
  3. Fund your wallet to have enough money to buy the airtime (you can find it via card)
  4. Click on the ”Airtime/Data” button on the Application 
  5. Then choose the ‘’Airtime’’ option to buy airtime.
  6. Finally, select the country, mobile operator services, phone number, and wallet. 
  7. Type in the amount of airtime you want to purchase
  8. Click on the ‘’Buy’’ button to complete the airtime purchase transaction.

Changera Supported Countries

The two supporting continents on Changera are Africa and EU regions, so:

  1. All Countries in Africa and
  2. All Countries within the EU region.

2 Categories of Users on Changera Platform

Changera has two main categories of users who enjoy their financial services without the stress of card limits and limited card access to their platforms:

  1. Users who perform personal transactions and
  2. Individuals who do businesses with access to more extensive features like multi-currency payment options for their freelance workers or in their preferred home-country currencies. 

Changera Reviews

To view all reviews on Changera on Google Play Store, click here.

Is Changera Safe and Legit

Changera is safe and legit because it has a strict verification process that detects and removes ungenuine transactions. This protects users’ safety when moving money from country to country seamlessly. 

The overall goal and objective of Changera is also to give users a safe platform to make online transactions by easing the worldwide money transfer process while ensuring users’ funds are secure.

Changera Owner

Ruth Iselema is the founder and CEO of both Changera and Bitmama.

Brian Johnson is the Head of Bitmama while Ebovi Wali is the Head of Changera.

How to Contact Changera

To contact Changera, visit their official website: https://changera.co/; or you can email them via: support@changera.co

Enjoy other news on their social media pages like Facebook, Instagram, and Twitter via: @changeraapp.

Conclusion

With Changera, you can send and receive money with ease. What’s new on Changera? You can now subscribe to various plans on Changera, ranging from premium and freelancer Plan, Ability to create virtual accounts for GBP and EUR.

Moreover, you can refer your friends and other people to Changera using your Changera referral link and enjoy more funding methods for the NGN wallet. 

So I guess you enjoy the read; you can test the platform and leave a review in the comment section below the article.

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Author

Hi, I am Chidimma, the Chief Editor of StartupSpot. I hold a bachelor's degree in Business Education (with a major in Accounting) from the Nnamdi Azikiwe University Awka, Anambra State, Nigeria and online certifications in Digital Marketing by SEMRUSH Academy. Startupspot was therefore born (in 2021) out of my passion to reach startups, small businesses and a greater audience to educate them about startups, the challenges facing startups and how to manage their finances. I also wish to educate people (especially women) to attain financial independence. I hope you find the contents useful, and should you need further help, I hope you ‌reach me.