Pandar vs Tbay: Which Should You Trade With?
Score by dimension
| Dimension | Pandar | Tbay |
|---|---|---|
| Gift card rates | 8.6 / 10Pandar wins | 7.5 / 10 |
| Payout speed | 9.5 / 10Pandar wins | 7.5 / 10 |
| Trade experience | 7.0 / 10 | 7.5 / 10Tbay wins |
| Support & disputes | 8.0 / 10 | 8.0 / 10 |
| KYC & onboarding | 9.0 / 10Pandar wins | N/A |
| Product quality | 7.0 / 10 | 7.5 / 10Tbay wins |
| Other features | 8.0 / 10Pandar wins | 7.5 / 10 |
| Security & trust | 8.6 / 10Pandar wins | 8.0 / 10 |
| Reputation | 8.6 / 10Pandar wins | 8.0 / 10 |
| App reviews | 9.0 / 10 | 9.1 / 10Tbay wins |
| Overall | 8.3 / 10 | 7.8 / 10 |
Side-by-side facts
| Detail | Pandar | Tbay |
|---|---|---|
| Rate received (latest test) | Pandar displayed a rate of ₦1,130 per $1 for our $20 US Razer Gold e-code. The trade credited ₦22,600 to the wallet. After the ₦150 withdrawal fee, ₦22,450 reached the bank account. | 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 minute | 10 minutes |
| Bank withdrawal time (latest test) | 1 minute | 3 minutes |
| Support first response | 5 minutes | 1 minute |
| KYC time | 1 minute | Not tested |
| Payout methods | Bant Transfer | Bank Transfer |
| Gift card types | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, Google Play, Nike, Razer Gold, Roblox, Steam, Vanilla, Xbox | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox |
| KYC requirements | Pandar asked us to provide BVN, NIN and proof of address. The verification was approved immediately. | Tbay did not request identity verification during our test. The account was created using an email address, username and password. |
| Fee structure | 150 | 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. |
| Minimum trade | ₦10 | Not recorded |
| Maximum trade | ₦500 | Not recorded |
Frequently asked questions
Is Pandar or Tbay better overall?
Pandar is better overall. It scores 8.3 out of 10 against 7.8 for Tbay, based on our own trades on both platforms.
Which gives a better gift card rate, Pandar or Tbay?
Pandar rated better on the card we traded. Our gift card rates score is 8.6 for Pandar 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, Pandar or Tbay?
Pandar paid out faster in our test: 1 minute 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, Pandar or Tbay?
Tbay replied first. Support took 1 minute to answer at Tbay and 5 minutes at Pandar when we contacted them during testing.