Looking for a Dollar Card alternative to GTB? Meet Pil
Pil vs GTB at a glance
A structural comparison, not a feature checkbox race. Anything Pil has not shipped yet is left off this table.
Card type
Virtual USD mastercards
Corporate debit dollar cards
Requirements
Verified PIL account
Signed request letter, card form, and CAC form.
Funding methods
NGN, GHS, and stablecoins
Linked bank accounts
Expense visibility
Real-time dashboard
GTBank Automated Payment System (GAPs)
Free card creation
Available
Only free on first issue for GTBusiness Premium
Fees
Only FX fee applies during card funding
$10 annual maintenance fee and ₦1,075 card replacement fee
Best for
Team spend management
Business banking
GTBank's Corporate Dollar Card is a conventional bank-issued card for businesses that need to make dollar payments and access funds through ATM, POS, and online transactions. But when different employees handle advertising, software subscriptions, cloud services, and vendor payments, putting those expenses on one card can make tracking and accountability difficult. PIL gives you a way to organise these expenses without issuing one shared card for everything. You can assign cards and budgets to specific teams or projects, restrict where cards can be used, and review transactions centrally. This makes it easier to know who spent what, which business expense it covered, and how much budget remains.
Why choose PIL
Once more than one team is spending company money, a single card creates more problems than it solves. There are structural advantages that PIL holds for businesses like this:
Free Card Creation and Usage
PIL charges $0 to create virtual cards and $0 for successful card transactions. You can issue cards for different business expenses without paying a creation or per-transaction usage fee. Applicable wallet funding and FX fees may still apply.
Separate Cards for Different Expenses
You don't have to run every business payment through one corporate card. Create separate virtual cards for advertising platforms, software subscriptions, vendors, and individual projects, making it easier to keep payments organised.
Fund Cards in Naira, Cedis, or Stablecoins
You can fund your PIL wallet directly with NGN, GHS, USDT, or USDC. This gives businesses more funding options for their international card payments.
Manage Cards Without Visiting a Bank
Create, freeze, or deactivate virtual cards from your PIL dashboard. You can also adjust card settings and monitor transactions without having to go through a physical branch for routine card management.
See how Pil works for teams
Multiple cards, team-wide visibility and limits on every card. Built for company money, from day one.
Frequently Asked Questions
Is PIL a replacement for a GTBank business account?
What is the difference between PIL and GTBank corporate cards?
Can I fund PIL cards directly with Naira?
Which platform offers better expense tracking for teams?
What does PIL cost compared to GTBank?
Who is PIL the better fit for?
For growing companies, marketing agencies, team managers, finance leaders and founders eager to track spend better.
Because payments shouldn’t hold your business back
Intuitive Navigation
Intuitive navigation: access anything in seconds
Manage Multiple Cards
Manage multiple cards across teams and projects
Crypto funding
Fund in NGN, GHS, or stablecoins
Team Cards
Assign cards to teams instantly
Expense Tracking
Track every expense in real time
Team management
Full team management and spend oversight
Advertising