LegitCards vs Tbay: Which Should You Trade With?
Score by dimension
| Dimension | LegitCards | Tbay |
|---|---|---|
| Gift card rates | 8.3 / 10LegitCards wins | 7.5 / 10 |
| Payout speed | 3.5 / 10 | 7.5 / 10Tbay wins |
| Trade experience | 5.0 / 10 | 7.5 / 10Tbay wins |
| Support & disputes | 9.0 / 10LegitCards wins | 8.0 / 10 |
| KYC & onboarding | N/A | N/A |
| Product quality | 7.0 / 10 | 7.5 / 10Tbay wins |
| Other features | 4.0 / 10 | 7.5 / 10Tbay wins |
| Security & trust | 4.0 / 10 | 8.0 / 10Tbay wins |
| Reputation | 7.0 / 10 | 8.0 / 10Tbay wins |
| App reviews | 9.0 / 10 | 9.1 / 10Tbay wins |
| Overall | 6.3 / 10 | 7.8 / 10 |
Side-by-side facts
| Detail | LegitCards | Tbay |
|---|---|---|
| Rate received (latest test) | The tested $20 US Razer Gold e-code was quoted at ₦1,120 per dollar. The expected value, wallet credit and final bank payment were all ₦22,400. | 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) | 1 hour 31 minutes | 10 minutes |
| Bank withdrawal time (latest test) | 1 minute | 3 minutes |
| Support first response | 2 minutes | 1 minute |
| Payout methods | Bank Transfer | Bank Transfer |
| Gift card types | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, GameStop, Nike, PlayStation, Razer Gold, Sephora, Steam, Vanilla, Xbox | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox |
| KYC requirements | Legit Card did not request identity verification during our test. We created the account using an email address, phone number, full name, and password. | Tbay did not request identity verification during our test. The account was created using an email address, username and password. |
| Fee structure | No trading or withdrawal fee was recorded during our test. Legit Cards displayed ₦22,400 for the trade, credited ₦22,400 to the wallet, and the researcher received ₦22,400 in their bank account. | 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 LegitCards or Tbay better overall?
Tbay is better overall. It scores 7.8 out of 10 against 6.3 for LegitCards, based on our own trades on both platforms.
Which gives a better gift card rate, LegitCards or Tbay?
LegitCards rated better on the card we traded. Our gift card rates score is 8.3 for LegitCards 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, LegitCards or Tbay?
Tbay paid out faster in our test: 10 minutes to complete the trade against 1 hour 31 minutes on LegitCards. 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, LegitCards or Tbay?
Tbay replied first. Support took 1 minute to answer at Tbay and 2 minutes at LegitCards when we contacted them during testing.
Which should I use, LegitCards or Tbay?
Use LegitCards if the rate matters most, and Tbay if you want the trade completed quickly. LegitCards scored higher on gift card rates and Tbay scored higher on payout speed.