OPay

OPay Digital Services Limited

About this app

We are Beyond Banking
- OPay is licensed by CBN, insured by the NDIC and trusted by over 18 million users
- Easy and instant account opening with your phone number, NIN, BVN or other national means of verification, and enjoy an amazing welcome bonuses
- Manage all payments from one app and enjoy free transfers and transaction bonuses
- Free debit cards with bonuses
- Up to 15% annual interest on flexible savings with daily interest and unlimited withdrawal
- 24/7 Customer Support is always available for you
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MORE SERVICES
● Various flexible savings tools
Enjoy up to 18% annual interest, get expert financial management and reach your goals faster when you save with OPay.

Owealth Savings:
You can save and get daily returns with up to 15% annual interest when you keep your money in Owealth. Funds in OWealth can also be used for transactions

Fixed Savings:
Fixed savings plan helps to achieve specific goals or project with ease as you can save for as short as 7 days and get up to 18% annual interest upfront with Fixed savings

Target Savings：
Target savings allows you to save toward specific goals like wedding, new car, new business, house rent, school fee, vacation etc and get up to 15% annual interest on your Savings plan. You can save at your preferred intervals and monitor your savings with ease.

Safebox Savings:
You can set a daily, weekly or monthly autosave plan with safebox and get up to 15% annual interest on your savings

Spend & Save Savings:
Spend & Save helps create healthy savings habits as you can save a percentage of money spent or transfered and get daily return with up to 15% interest per annum on your savings.

For example:
Invest: ₦50,000 for one year on Fixed Savings
The amount of interest: ₦50,000x18%x365/365=₦9,000
The amount of return: ₦50,000+₦9,000=₦59,000
Note: Choose different products or maturities, the annualized interest rate may be different, but the calculation formula is the same.

● Various Loans
OKash：
Loan Products Tenure: We will require your repayment from 91 days to 365 days*. Loan Amount: from NGN 3,000 to NGN 500,000. Interest Rate: With a minimum of 0.1% up to 1% Our interest rate is calculated on a daily basis. Annual Percentage Rate(APR) from 36.5% to 360%.
An example of a OKash loan For example, 91-day loan payment terms，the interest is 9.1%. For the loan processed with a principal amount of NGN 3,000, the interest would be NGN 273,
the total amount due would be NGN 3,237.The total amount due in the first month would be N1,093, the interest would be N93, the total amount due in the
second month would be N1,090, the interest would be N90, the total amount due in the third month would be N1,090, the interest would be N90.

Easemoni:
Loan Amount: from NGN 3,000 to NGN 1,000,000.
Tenure: We will require your repayment from 91 days to 365 days.
Interest Rate: 5% to10% monthly , APR60%-120%
For example
91-days loan payment terms have a interest fee of 5% monthly .
For the loan processed with principal amount of ₦3,000;the interest would be ₦273; the total amount due would be ₦3,273.
Then first month repayment would be ₦1091.
repayment of second month would be ₦1091.
the third month repayment would also be ₦1091.
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CONTACT US
We have a dedicated support team available 24/7 for all your questions and complaints.
Phone Number: 0700 8888328
WhatsApp: [phone]
Website: https://opayweb.com
Email: [e-mail]
Facebook: @Nigeria.OPay [www.facebook.com/Nigeria.OPay]
Instagram: @opay.ng [www.instagram.com/opay.ng/]
Twitter: @OPay_NG [www.twitter.com/OPay_NG]
Office Address: Alexander House, Otunba Jobi Fele Way, Ikeja Lagos, Nigeria.

Download OPay now!

Ratings and reviews

Great experience. Better than traditional bank app in terms of transferring money and paying bills. But lacks security. Also, when one is about transferring money, options of people I don't even know shows up. It's like a community. Shouldn't be so. Please fix it and make the app more secured. Thank you for the cash back! Improve the customer care services.

The app have lived up to my expectations, very fast and reliable. However, there's just one small complaint I have to log, I have submitted my documents for tier 3 upgrade, app normally said 2 working days but it's over 8 working days now, nothing yet, still pending. I need to be upgraded as quickly as possible so I can enjoy the app to the fullest. Thanks for your usual cooperation.

A great app. I would give a 5 star rating except for 2 problems: the daily cashback bonus and the account upgrade. The first one is not really a issue; I don't really mind it but still one should not be having problems claiming it. The main issue here is that I applied to upgrade my account several days ago and it has still been pending. So please look into this. I'm not the only one having these problems. I would really like to rate 5 stars.