How to Pay for Netflix in Nigeria (2026): Every Option, Honestly

Nankyer Ndom

Have Questions?

We’re happy to guide you always.

Let’s clear up the biggest myth first: you don’t always need a dollar card for Netflix.

Unlike ChatGPT or the App Store, Netflix bills Nigerians in Naira. So in theory, your regular Naira card should work. In practice, a lot of them get declined anyway. That’s where people get stuck. This guide walks through every way to pay for Netflix in Nigeria, when your Naira card is fine, and the reliable fix when it isn’t.

How much is Netflix in Nigeria?

Netflix charges in Naira, with four plans. As of 2026 they run roughly from around ₦1,600/month for the Mobile plan up to about ₦8,000/month for Premium, with Basic and Standard in between. Netflix adjusts these prices from time to time, so check the current amount in your account before you subscribe.

Can you pay for Netflix with a Naira card?

Yes. Netflix accepts Nigerian Naira cards, and if yours works, you don’t need anything else. The catch is that many Naira cards still get declined, usually because:

The card’s online or international payments are switched off by default.
The bank has a low or ₦0 limit on card payments to foreign-registered merchants (Netflix bills through its international entity).
The card is a domestic-only card like Verve, which can’t reach Netflix at all.

So before anything else, try your Naira card with online payments enabled. If it goes through, you’re done.

When your Netflix payment keeps failing

If your Naira card keeps getting declined, or you’d rather not fight your bank’s limits every month, a USD virtual card is the fix that just works. It’s a US-domiciled card funded in dollars, so it clears the Naira-card limits that trip people up. It’s also handy if you want to keep your Netflix spending on a separate card you control.

Payment method	Works for Netflix?	Notes
Naira Mastercard/Visa (online payments on)	Often	Works if your bank allows foreign-merchant payments
Verve card	No	Domestic-only: can’t reach Netflix
OPay / PalmPay card	Sometimes	Hit or miss depending on limits
Lint USD virtual card	Yes	Reliable: no Naira-card limits to fight

How to pay for Netflix with a USD virtual card

Step 1: Create a USD virtual card.
Download the Lint app, sign up, open Utility Cards, and create a USD virtual card. Fund it with about $10, which covers a month or two of Netflix.

Step 2: Copy your card details number, expiry, CVV and billing address.

Step 3: In Netflix, go to Account > Manage payment method (or enter your card at sign-up).

Step 4: Add the card. Enter your USD card details and use the billing address that came with it.

Step 5: Save. Netflix charges the card and your plan stays active, with no more surprise declines.

What it costs

Netflix itself bills in Naira. If you use a USD virtual card, these are the only extra costs:

Fee	Amount
Create the card	$3, one-time
Fund the card	Free
Per transaction	$0.50

Funding is free and there’s no monthly card fee, so the only extra is the $0.50 per charge on top of your plan.

One card for all your subscriptions

The same USD virtual card works beyond Netflix. Use it for Spotify, YouTube Premium, ChatGPT Plus, and for Apple services like the App Store, iCloud and Apple Music. One card handles every subscription.

Netflix still declining your card? Try this

Turn on online/international payments for your Naira card in your banking app.
Check the balance covers the plan plus any small fee.
Match the billing address to your card exactly.
Switch to a USD virtual card if your Naira card keeps failing. It removes the limit problem entirely.

Frequently Asked Questions

Can I pay for Netflix with a Naira card in Nigeria?

Yes. Netflix bills in Naira and accepts Nigerian cards, as long as your card’s online/international payments are enabled and your bank allows foreign-merchant charges. If yours keeps getting declined, a USD virtual card is the reliable fix.

How much is Netflix in Nigeria?

Netflix has four Naira plans, ranging from around ₦1,600/month (Mobile) to about ₦8,000/month (Premium) as of 2026. Prices change over time, so confirm in your account.

Why does Netflix keep declining my Nigerian card?

Usually because online payments are switched off, your bank has a low limit on foreign-merchant charges, or you’re using a domestic-only Verve card. Enable online payments, or use a USD virtual card.

Do I need a dollar card for Netflix?

Not necessarily. Netflix bills in Naira. But if your Naira card keeps getting declined, a USD virtual card is the most reliable way to keep your subscription active.