A $100 gift card sells for anywhere between ₦19,000 and ₦122,500 in Nigeria today. Same face value, wildly different prices — because the amount is only one of the four things that set what you receive. Those two numbers are the bottom and the top of our own buy board, last refreshed on Aug 13, 2026: ₦19,000 is what the weakest card-and-form combination pays, ₦122,500 the strongest — and that top figure is a physical Apple/iTunes card, the brand this question is asked about most. This guide prices every common amount from $25 to $500 off that board, explains the maths behind any figure, and shows you how to get the exact quote for the card in your hand — including a $1,000 one.
How much is a $100 gift card in naira today?
As a physical card, $100 pays between ₦30,000 and ₦122,500 on the board; as an e-code, between ₦19,000 and ₦110,000. Where your card lands inside that range is mostly its brand. Apple/iTunes is the name this question gets asked about more than any other, so it has its own guide — for the rest of the board's big names, a $100 Razer Gold PIN pays ₦115,000 physical with the e-code close behind at ₦110,000, and a $100 Steam (US) card pays ₦93,500 / ₦89,000. At the other extreme, a $100 Amazon (US) e-code pays ₦19,000 against ₦53,000 for the plastic — no other brand on the board splits that wide.
Every figure here comes off the same date-stamped board shown on each brand's page — nothing in this post is a teaser. If your question is really "which brand pays the most", the full 20-brand ranking answers that head-on.
The payout ladder: what $25 to $1,000 actually pays
Amount is still the biggest lever, so here is the whole ladder at once — the lowest-to-highest payout each common amount fetches on the board. The physical column spans all 18 dollar brands we buy; the e-code column spans the seven brands that publish a code line (the rest quote plastic only).
| Card amount | Physical pays | E-code pays |
|---|---|---|
| $25 | ₦7,500 – ₦29,250 | ₦4,750 – ₦27,500 |
| $50 | ₦15,000 – ₦58,500 | ₦9,500 – ₦55,000 |
| $100 | ₦30,000 – ₦122,500 | ₦19,000 – ₦110,000 |
| $200 | ₦60,000 – ₦245,000 | ₦38,000 – ₦220,000 |
| $300 | ₦90,000 – ₦384,000 | ₦57,000 – ₦330,000 |
| $500 | ₦150,000 – ₦640,000 | ₦95,000 – ₦550,000 |
Three honest footnotes. A specific card always sits somewhere inside its row, never on both ends — the range runs from the sleepiest retail brand to Apple. The two Steam regions priced in pounds and euros stay off this ladder entirely — a £100 card costs more than $100 and pays accordingly (₦125,000 physical at the moment). And $1,000? The board's single-card tiers top out at $500; a $1,000 trade is priced directly in chat, where size usually earns a firmer quote rather than a worse one.
Read down a column and you can see size doing its work: the per-dollar rate usually climbs with the face value, because bulk moves cheaper — one $300 card changes hands once, six $50 cards change hands six times. Apple's physical ladder runs ₦58,500 for $50, ₦122,500 for $100 and ₦640,000 for $500. The exception is worth knowing too: Amazon's per-dollar rate steps DOWN above $100 — ₦530 per $1 at the everyday size, against ₦460 at bigger ones — because the buyers who move Amazon cards cluster at the smaller amounts. The headline rate belongs to a size, so always check the tier your card lands on.
Holding the market's favourite card? Apple/iTunes gets asked about more than every other brand combined, so it now has its own guide: how much is a $100 Apple gift card in naira — every amount from $25 to $1,000, both forms, priced off the same board.
Why the same $100 card gets four different prices
The ladder gives you the edges of the range; these are the four choices that place your exact card inside it.
1. The brand sets the neighbourhood
A gift card rate is a resale price: a buyer can only pay what the next person will pay for the card. Apple sits at the top of the board because App Store credit never lacks a Nigerian buyer, while a retail brand with a thinner second-hand market must pay less for the same $100. What a rate measures is demand, plain and simple.
2. The form sets the discount
Within one brand, plastic beats code: once a code is photographed it can be spent by whoever holds the picture, so buying one is buying risk — and the form gap is the price of that risk. It runs from a few percent on Steam brands to the retail extremes: a $100 Macy's card pays ₦103,000 as plastic against ₦40,000 as a code. Any brand whose gap passes 15% carries both figures on every page of this site.
3. The size tier sets the rate
Two $100 cards of one brand in one form still pay differently if one is sold as a single $100 and the other inside a bigger trade — the figure that applies comes from the tier table, since the headline can belong to a bigger size. The Apple ladder above is the cleanest example on the board.
4. The exchange rate moves the whole board
Every figure on this page is a naira figure, so the currency market shifts all of it at once. The week before we published this, the naira closed at ₦1,350 per dollar at the official market — its strongest level since April, with that session's trades running between ₦1,347 and ₦1,361, according to Nairametrics — while the parallel market quoted the dollar around ₦1,407 to buy and ₦1,420 to sell, per TechEconomy's daily report. A weaker naira lifts every figure on the board at once, a stronger one pulls them all down — which is why the board is refreshed monthly and stamped, and why a screenshot of last month's table is already history.
How any naira figure is calculated
The maths is a single multiplication: face value × the per-dollar rate of the tier your card lands on. A $100 eBay card lands on the ₦700-per-$1 physical tier, so 100 × ₦700 = ₦70,000. Where the phrase "up to" appears, it means the best line that exact amount qualifies for — eBay's top line begins exactly at $100, so the $100 quote and the headline quote are the same number there; where a brand's best tier starts higher, they are not. On this site, "today" means the current monthly refresh, stamped Aug 13, 2026 on every rate table; rates drift with the market between refreshes, and the figure you accept in chat is the one that counts.
Get the exact figure for the card in your hand
The ladder narrows you to a range; the rate calculator takes you to the number — pick the brand, type the amount, and the payout comes straight off the same board, no account or download needed. Holding a card you have never checked? Read the balance yourself first — the official checker links live in our balance-check guide — so the figure you negotiate from is your own.
From a range to your figure
Send the brand and amount on WhatsApp and we name the exact naira figure in reply — you read it, weigh it, and only then decide whether the card moves. Verified trades pay out within minutes. New to us? A $25 card is a cheap way to watch the whole thing work once.
The short version, then: find your amount on the ladder, place your brand and form inside the range, and let the calculator name the number. And whatever figure you are finally offered — here or anywhere — weigh it against the ladder you just read; a real quote survives that comparison.
Questions, answered
How much is a $50 gift card in naira?
On today’s board a $50 card pays ₦15,000–₦58,500 as a physical card and ₦9,500–₦55,000 as an e-code, depending on the brand. A $50 Steam (US) card, for example, pays ₦46,750 physical and ₦44,500 as a code, while $50 of Apple/iTunes plastic pays ₦58,500.
How much is a $200 gift card in naira?
Between ₦60,000 and ₦245,000 physical, or ₦38,000–₦220,000 as an e-code. At $200 the per-dollar rates mostly hold at the $100 level, so the payout simply doubles — a $200 Steam (US) card pays ₦187,000, exactly twice its $100 figure.
How much is a $500 gift card in naira?
Between ₦150,000 and ₦640,000 physical, or ₦95,000–₦550,000 as an e-code. $500 is the top of the single-card tiers on the board, so for most brands the best per-dollar lines apply — a $500 Apple/iTunes physical card pays ₦640,000.
How much is a $1,000 gift card to naira?
The board’s single-card tiers top out at $500, so a $1,000 trade — one big card or a bundle — is priced directly in chat rather than off a table. Size usually earns a firmer quote there, not a worse one. Tell the buyer the brand, form and total, and get the exact figure in writing before any code changes hands.
Why did my $100 card pay less than the figure I saw online?
Three usual reasons. The figure was bait — a fantasy number quoted to win the code first. It belonged to a different form: a $100 Amazon e-code pays ₦19,000 against ₦53,000 for the plastic. Or it belonged to a different size tier, since the per-dollar rate moves with face value. A real quote always names the brand, the form, the size and the date.
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