What is the best alternative to Tbay in Nigeria?

If you want the closest like-for-like experience in Nigeria, start with Cardgoal and GiftCardsToNaira. Cardgoal is Nigeria-focused and supports trading 20+ gift card types, while GiftCardsToNaira covers both Nigeria and Ghana for instant-cash style payouts.

What can I use instead of Tbay in Ghana?

In Ghana, GiftCardsToNaira and Glover are two of the most relevant options to compare. Both are listed as available in Nigeria and Ghana, which makes them more realistic substitutes if you cash out in Cedis.

Which apps are like Tbay for gift card trading plus bill payments?

For a single app that combines gift cards and bill payments, compare Payora, Cardgoal, and Jophab. Payora also includes virtual USD cards, while Jophab positions itself around paying utilities like airtime, data, TV, electricity, and bet funding in Nigeria.

If I mainly want virtual USD cards, what is a better option than Tbay?

Pick Payora if virtual USD cards are the feature you are missing. It is available in Nigeria and lists virtual USD cards alongside gift card trading, bill payments, and transfers.

Do any Tbay alternatives work more like a mobile money wallet?

Yes, Momo is closer to a mobile money-first wallet than a gift-card-only trader. It is available across multiple African markets, including Nigeria, Ghana, Uganda, and Cameroon, and focuses on sending/receiving money and paying bills.

Is there a simpler, Nigeria-only app to cash out gift cards instead of Tbay?

For a more Nigeria-only flow, try Cardsoon or Cardgoal. Cardsoon is positioned around converting unused gift cards to cash and getting paid after verification, and both are listed as available in Nigeria.

What is the quickest way to switch from Tbay to an alternative?

Switching is usually fastest if you start with a Nigeria and Ghana option like aPay or GiftCardsToNaira so your country and cash-out rails are already supported. Create an account, confirm the payout method you want (bank or mobile money where supported), then run a small test trade before moving larger card values.

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Top 116 Best Tbay Alternatives & Competitors (2026)

The most useful Tbay alternatives in 2026 are Payora, GiftCardsToNaira, Cardgoal, Glover, and Cardsoon. The right pick depends on where you live (Nigeria vs Ghana), whether you care more about gift card cash-out rates or bill payments, and if you also want extras like virtual USD cards.