OPay

OPay Digital Services Limited

About this app

OPay is Nigeria's trusted financial services platform, offering secure, fast, reliable, and affordable solutions for all payment needs. With OPay, you can:
• Send and receive money instantly with seamless transfers and a 100% success rate.
• Pay bills and top-up airtime & data with exclusive bonuses.
• Grow your savings easily with daily interest on your balance.
• Enjoy hassle-free debit cards at zero charges.
• Access flexible loans with low interest rates.
Unlock convenience, savings, and rewards—all in one app. Invite friends and earn instant cashback for each referral. Open your OPay account today and experience financial freedom.

HASSLE-FREE AND INSTANT TRANSFERS
● Say goodbye to transaction failures & network issues. Enjoy super-fast and successful transactions.
● Send money using a phone number or bank account to others, including non-OPay users.
● Powered by all Nigerian banks: Access Bank, Zenith Bank, GT Bank, UBA Bank, Ecobank Nigeria, First Bank of Nigeria etc., ensuring a seamless and secure banking experience for all our users.
● Keep track of every transfer. Easily find transaction details in your "Transaction History."

BEST AIRTIME/DATA DEALS & EASY BILL PAYMENTS
● Get top airtime and data offers on MTN, Airtel, Glo, and 9Mobile.
● Pay electricity, TV, water bills, internet services and more with ease.
● Earn up to 6% cashback on airtime and data purchases.

OPay DEBIT CARD
● Secure & Reliable: Chip & PIN technology with industry-leading multi-level risk prevention.
● Convenience: Apply via the OPay app with nationwide delivery options or visit any OPay agent store.
● Wide Acceptance: Accepted across POS/ATM/WEB in Nigeria and international merchants like Microsoft, Netflix, AliExpress, Uber, Spotify and Emirates.
● User-Friendly Management: Change PINs, set limits, block/unblock cards, and access card details in-app.
● Virtual Card Option: For secure online payments, get a virtual card instantly via the app.

GROW AND SAVE MORE MONEY (Powered by OPay Microfinance Bank)
● OWealth: Earn daily interest, with free deposits and withdrawals anytime.
● Spend & Save: Save a percentage of your spending and earn daily returns.
● Fixed Savings: Lock idle funds for at least 7 days to earn higher returns.
● Target Saving: Save towards specific goals with daily, weekly, or monthly plans.
● SafeBox: Start a strict savings plan with limited withdrawals and monthly interest.

SECURE AND PRIVATE
● Advanced features like biometric login, card locking, and encryption for all transactions.
● Block your account or card via USSD (955*131# or 955*132#).
● NightGuard security feature: Extra facial verification feature to authorise transactions during the chosen night time hours.
● Large Transaction Shield feature: Extra facial verification feature for transactions above your pre-set limit.
● Real-time notifications for account activity.
● Private Mode to hide your balance.
● Licensed by the CBN and insured by the NDIC.

OPay is licensed by Central Bank of Nigeria (CBN, https://www.cbn.gov.ng/PaymentsSystem/PSPs.html), and insured by Nigeria Deposit Insurance Corporation (NDIC, https://ndic.gov.ng/list-of-insured-institutions/list-of-mobile-money-operators/).

CONTACT US
Our support team is available 24/7 for all your complaints.
OPay Headquarters: Alexander House, Plot 9, Dr. Nurudeen Olowopopo Avenue, Alausa, Lagos
Helplines: 0700 8888328 or 020 18888 328
Website: www.opayweb.com
Whatsapp: [phone]
Facebook: @OPay
Twitter: @OPay_NG
Instagram: @opay.ng
TikTok: @opaynigeria
YouTube: @opaynigeria
LinkedIn: OPay

Ratings and reviews

Fantastic payment app for local transactions. Insanely fast and always reliable. The customer service is also the best I've seen. just one problem. for an app that's the default payment solution for many people, there'll definitely be a LOT of transactions. scanning through such a huge volume of transactions is difficult with the basic filters present. no filter to see all trxs with an account, or searching for a remark. camera feature to scan and transfer to account numbers would be nice too.

Opay is one of the smoothest if nit the best banking platform in Nigeria at the moment. One thing though, I can't seem to turn off the voice notification when I recieve an alert, can you give me directives on how to do it, searched the App thoroughly but couldn't stop it. security wise, it's not safe for me. Good work Opay, you rock! there is no "transfer to me" in the options when I click "me" and my app is upto date. kindly help me look into this. Do you have two versions of the App?

OPay is a convenient and fast digital banking option in Nigeria, especially for everyday transactions like transfers, bill payments, airtime, and POS withdrawals. The app is easy to use, transfers are usually quick, and charges are low compared to traditional banks. Its wide agent network also makes cash deposits and withdrawals accessible. However, customer service can be slow when issues like failed transactions or refunds come up, which can be frustrating. Overall, great app👍