So, you want to enjoy Apple Music, but your Nigerian debit card keeps getting declined? Frustrating, right? Don’t worry—you’re not alone, and luckily, there are easy workarounds. Whether it’s Apple rejecting your card or Nigerian banks blocking international transactions, you can still subscribe without the headache.

Below are five simple ways to pay for Apple Music without a Nigerian bank card. Each method is reliable, and I’ll walk you through them like we’re chatting over a cup of coffee. Let’s dive in!

1. Use Family Sharing

Did you know you can get Apple Music without making the payment yourself? With Apple’s Family Sharing, someone with an accepted payment method (like a relative abroad) can add you to their plan. It’s like when your parents used to pay for cable TV, and you got to enjoy all the channels.

How It Works:

• Ask a family member or trusted friend with a working Apple Music subscription to add you to their Apple Music Family Plan.
• They can add up to six people under one subscription.
• Once you’re in, you get full access without needing a bank card.
• Just make sure they’re cool with covering your share or agree to reimburse them some other way.

The Family Plan is not only convenient, but it’s also cheaper per person if split properly. If you can join a group, you’re saving money while avoiding the payment stress.

2. Pay with Apple Gift Cards

Think of Apple gift cards as prepaid vouchers for Apple Music. They work just like a mobile recharge card—you buy a code, load it into your account, and boom! Your subscription is covered.

How It Works:

1. Buy an Apple/iTunes gift card from platforms like Prestmit, Konga, or Cardtonic.
2. The seller will send you a 16-digit code.
3. Open your iPhone or iPad and go to the App Store.
4. Tap your profile, select Redeem Gift Card or Code, and enter the digits.
5. Your account balance updates, and Apple deducts your subscription from there.

Gift cards are a one-time purchase, meaning no auto-renewals. If you don’t want recurring deductions, this is a great option.

3. Use a Virtual Dollar Card

Nigerian banks might block your card, but virtual dollar cards bypass that issue. These are online prepaid cards loaded with USD, which work like regular debit cards for international transactions.

How It Works:

1. Sign up for a virtual dollar card from services like Chipper Cash, Geegpay, or Grey.
2. Fund your card with naira—it converts to dollars.
3. Use the virtual card details to pay for Apple Music like you would with a normal debit card.

This is one of the most seamless methods since you’re essentially paying the way Apple expects—through a card that works internationally.

4. Pay with MTN Airtime

Yes, you read that right. MTN lets you pay for Apple Music directly from your airtime balance. If you’re an MTN subscriber, this could be the most convenient method for you.

How It Works:

1. Ensure you have at least ₦1,000 airtime on your MTN line.
2. Send “MUSIC” to 8000 via SMS.
3. MTN will deduct the subscription fee directly from your balance.
4. You’ll receive a confirmation SMS, and your Apple Music will be activated.

The only catch? Not all MTN users are eligible, so you’ll need to check if it works for your line first.

5. Use an International Payment Service (Wise, Payoneer, etc.)

If you have a Payoneer or Wise (formerly TransferWise) account, you can generate a virtual international bank card that works for Apple Music.

How It Works:

1. Sign up for an account on Wise or Payoneer.
2. Get a foreign virtual card (USD, EUR, or GBP).
3. Fund the card through a bank transfer.
4. Use the card details to subscribe to Apple Music.

This is a great long-term solution if you plan to make multiple international transactions, not just for Apple Music.

Final Thoughts

There you have it—five easy ways to pay for Apple Music in Nigeria without a local debit card. No more declined payments, no more frustration. Here’s a quick recap:

So, which one works best for you? If you have a friend or family member with an Apple Music subscription, Family Sharing is the easiest. If you prefer a one-time purchase, go for gift cards. If you need a recurring payment method, try virtual dollar cards or Wise/Payoneer.

No more missing out on your favorite songs—pick the best method for you and start streaming today!