Cardgoal vs Tbay: Which Should You Trade With?
Score by dimension
| Dimension | Cardgoal | Tbay |
|---|---|---|
| Gift card rates | 8.0 / 10Cardgoal wins | 7.5 / 10 |
| Payout speed | 9.0 / 10Cardgoal wins | 7.5 / 10 |
| Trade experience | 8.0 / 10Cardgoal wins | 7.5 / 10 |
| Support & disputes | 8.0 / 10 | 8.0 / 10 |
| KYC & onboarding | N/A | N/A |
| Product quality | 7.5 / 10 | 7.5 / 10 |
| Other features | 7.0 / 10 | 7.5 / 10Tbay wins |
| Security & trust | 8.0 / 10 | 8.0 / 10 |
| Reputation | 8.0 / 10 | 8.0 / 10 |
| App reviews | 8.8 / 10 | 9.1 / 10Tbay wins |
| Overall | 8.0 / 10 | 7.8 / 10 |
Side-by-side facts
| Detail | Cardgoal | Tbay |
|---|---|---|
| Rate received (latest test) | Cardgoal displayed a rate of ₦1,110.60 per $1 for our $10 US Razer Gold e-code. The expected payout and final amount received were both ₦11,106. No withdrawal fee was recorded. | We tested a $20 US Razer Gold e-code. The rate was 88.37%, or approximately 0.8837 points (₦1,077.63) per $1. |
| Tested payout time (latest test) | 2 minutes | 10 minutes |
| Bank withdrawal time (latest test) | 5 minutes | 3 minutes |
| Support first response | 5 minutes | 1 minute |
| Payout methods | Bank transfer | Bank Transfer |
| Gift card types | Amazon, AMEX, Apple / iTunes, Footlocker, GameStop, Google Play, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox |
| KYC requirements | Cardgoal did not ask us to complete identity verification. The account was created with an email address, and no BVN, ID or selfie was requested during our test. | Tbay did not request identity verification during our test. The account was created using an email address, username and password. |
| Fee structure | No withdrawal fee observed | For this trade, Tbay showed an order amount of approximately ₦23,540.23 (18.6989097 points) and a settled amount of approximately ₦21,552.53 (17.12 points). That leaves a difference of approximately ₦1,987.70 (1.5789097 points). The order page did not clearly label this total difference as a fee, so we calculated it by comparing the order amount with the settled amount. It should not be treated as a standard Tbay charge. The transaction breakdown also showed a dispute deduction of approximately ₦697.13 (0.55376 points). Tbay gave the reason as “incorrect balance or local currency.” This was specific to the tested transaction and is not presented as a regular Tbay fee. |
Frequently asked questions
Is Cardgoal or Tbay better overall?
Cardgoal is better overall. It scores 8.0 out of 10 against 7.8 for Tbay, based on our own trades on both platforms.
Which gives a better gift card rate, Cardgoal or Tbay?
Cardgoal rated better on the card we traded. Our gift card rates score is 8.0 for Cardgoal and 7.5 for Tbay. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.
Which pays out faster, Cardgoal or Tbay?
Cardgoal paid out faster in our test: 2 minutes to complete the trade against 10 minutes on Tbay. That is the tested payout time, measured from card submission to the trade value being credited; a later bank withdrawal is recorded separately.
Which has faster customer support, Cardgoal or Tbay?
Tbay replied first. Support took 1 minute to answer at Tbay and 5 minutes at Cardgoal when we contacted them during testing.