The Most Expensive Gift Cards to Sell for Cash in 2026: Naira and Cedis Payout Table

A $200 Apple Gift Card pays ₦225,756.80 on GiftCash NG today, 22 October 2026. The same $200 in Xbox pays ₦91,688.80. Both vouchers cost $200 to buy, and the ₦134,068 gap comes from the rate each card carries, not from the dollar.

Expensive on this page means payout per dollar, not the number printed on the card. Every figure below uses one $200 voucher, so 22 cards can sit on a single line and be compared. The numbers come from the rates board captured on 21 October 2026.

Which gift card pays the most for a $200 voucher?

Apple and iTunes share the top of the board. Both pay ₦225,756.80 for $200, which works out at ₦1,128.78 per dollar and ₵9.87 per dollar. That makes them the highest paying gift card in the dollar list, and the margin over the rest isn't small.

At the bottom, Xbox pays ₦91,688.80 for the identical face value, or ₦458.44 per dollar. Apple pays 2.46 times more. Amazon lands at ₦130,603.20, just under Roblox at ₦133,268.40.

The cedi column repeats the order without a single swap. Ghana is priced apart from Nigeria, on its own board with its own numbers, and the ranking still comes out the same. A seller in Accra gets what a seller in Lagos gets, card for card.

One card is missing on purpose. Arcteryx starts at $500, so a $200 voucher doesn't exist for it. Putting it in a $200 table would mean inventing a number.

Nigeria's dollar reference line sits at ₦1,333 to $1 in the same snapshot. Apple's ₦1,128.78 is 15.3 percent under that line, and Xbox's ₦458.44 is 65.6 percent under it. Gift cards aren't cash, and the board prices them as resale stock. Ghana publishes no reference line at all, so the figure worth planning against in Accra is ₵9.87 per dollar on Apple.

A smaller voucher moves the numbers, not the order. A $100 Apple card pays ₦111,945.00 at the ₦1,119.45 rate. The same $100 in Xbox pays ₦45,844.40. The gap closes at $100 because Apple's middle band pays less than its top band, yet nothing changes places.

Why the same dollar pays two different amounts

The board prices cards in steps. Dollar rates run from ₦458.44 to ₦1,128.78, and the gaps between neighbouring cards are uneven. Macy's and GameStop sit on ₦972.86. Steam sits on ₦826.26, with nothing in between.

The give-away is repetition across currencies. Offgamers pays ₦1,226.07 per euro in the euro list, and All in 1 pays the same ₦1,226.07 per pound in the pound list. Macy's and GameStop pay ₦972.86 per dollar, and so does Kinguin per euro. Apple's top band pays ₦1,128.78 per dollar, and Paysafe's small band pays ₦1,128.78 per pound. Identical numbers, different currencies, different brands.

Four brands hold different rates across their own bands:

• Apple: ₦1,092.80 on $40 to $50, ₦1,119.45 on $100 to $150, ₦1,128.78 on $150 to $500.
• eBay: ₦695.66 on $25 to $100, ₦772.96 on $100 to $500.
• Amazon: ₦666.34 on $50 to $100, ₦653.02 on $100 to $500.
• Paysafe: ₦1,186.09 per pound on £50 to £500, ₦1,128.78 per pound on £15 to £50.

Apple's ladder has a cash consequence. Two $100 vouchers pay 2 × ₦111,945.00, which is ₦223,890.00. One $200 voucher pays ₦225,756.80. Splitting the balance costs ₦1,866.80 to whoever does it.

eBay runs the opposite way from Amazon. A $100 eBay voucher takes the upper band and pays ₦77,296.00. A $75 voucher takes the lower band and pays ₦52,174.50. Per dollar, the $100 voucher is worth 11 percent more. For Amazon the bigger voucher is worth 2 percent less, so the cheap card is the better seller there.

Where the pound and euro lists land

Airbnb leads the pound table. £100 pays ₦123,939.60, or ₦1,239.40 per pound. Currys, Every-wish and Youchoosea close it at ₦106,614.80 for the same £100, a 16 percent gap.

In euros, offgamers pays ₦122,607.00 for €100 and Startselect pays ₦86,624.40. That spread is 41.5 percent, wider than anything on the dollar side.

None of these lines compare across currencies. ₦1,239.40 per pound and ₦1,128.78 per dollar are prices for different products in different markets. Ranking a pound card against a dollar card by the number alone gets a wrong answer every time. The pound list breakdown carries the full £ table, and the explainer on US, UK and EU pricing covers why the three boards split apart in the first place.

How to sell the expensive ones without losing the edge

1. Check the band before splitting a large voucher. Two small cards rarely beat one card on a ladder that climbs.
2. Confirm the balance on the issuer's site before you scratch the panel. A dead PIN pays nothing, whatever the board says.
3. Pick your payout rail first. MoMo and MTN Mobile Money land in minutes across Lagos, Abuja, Accra and Kumasi. Bank transfer runs to the same account without a wallet fee.
4. Skip the person in a Telegram group offering ten percent over the board. That price is the bait, not a rate.

Payouts usually land in 15 to 30 minutes once the code clears. A card that's already loaded into a wallet account, or partly spent, gets refused, and no rate saves it.

Use the naira converter or the cedis converter to test any face value, from a $50 voucher to a $500 one, against these rates before you commit.

This table is a snapshot, not a promise. Rates shift when supply moves, and Apple's three bands already span ₦35.98 per dollar between them. October's top card isn't guaranteed to hold the spot in December. The trending cards breakdown tracks what people buy; this page tracks what pays most. The two lists rarely agree.

FAQ

Are Apple Gift Cards really the most expensive to sell?

On the dollar board, yes. Apple and iTunes pay ₦1,128.78 per dollar, the highest of 22 cards measured at $200. In pounds, Airbnb leads at ₦1,239.40 per pound. The two numbers aren't comparable, because each is quoted in its own currency.

Does a bigger voucher always pay more?

Not always. Apple, eBay and Paysafe pay more per unit on their larger bands. Amazon does the reverse, dropping from ₦666.34 to ₦653.02 per dollar once a voucher passes $100. Check the band your face value falls into before assuming.

Can I sell a UK or euro card from Nigeria?

Yes, if the brand is on the board. The pound and euro lists carry 12 and 9 bands, priced in naira and cedis the same way the dollar list is. A card printed for another country still needs a full, unused balance to pass.

What happens if my card sits in a band boundary?

It takes the higher band. A $100 eBay voucher lands in the $100 to $500 band and pays ₦77,296.00, not the ₦69,566.00 the lower band would give. A $200 Apple voucher takes the $150 to $500 rate of ₦1,128.78 rather than the ₦1,119.45 one band down.