4.5
567K reviews
10M+
Downloads
Content rating
Rated for 3+
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About this app

OPay is a popular and leading financial service company in Nigeria with tens of millions of users who trust, rely on, and use the platform. With mission to make financial services more inclusive through technology, OPay is dedicated to providing secure, easy to use & affordable financial services with super fast user experience, amazing incentive package on transfer/airtime & data top-up, innovative product to use as balance with amazing daily interest, reliable debit card with no charge and best resolution experience etc. With OPay account, you can have full control of your finances, payments & transactions with ease, all on one platform! Yes, OPay is your one-stop payment services platform and more.
What you’ll enjoy:
- Instant account opening and welcome bonus
- Instant transfer
- Airtime/Data Top-up with Cashback
- Owealth to use as balance and with amazing daily interest
- The most convenient and reliable debit card
- Quick customer service (Accessible via online and physical channels)
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Other benefits of OPay
- An all-in-one app for bill payments, airtime, data, betting, electricity, TV and other services.
- The OPay debit card:
-a). Convenient——Apply via in-app or get instantly at a nearby OPay agent
-b). Free——Zero fee (ATM withdrawals&maintenance)
-c). Accepted Everywhere——Accepted at any POS, ATM&online channel
- Grow your money and save with OPay (Powered by BlueRidge Microfinance Bank):
- OWealth: With OWealth, you can get amazing daily interest on your funds while having full access and control of the money. Make transactions at any time without affecting your interest!
- Spend & Save: Helps you create healthy savings habits as you can save a percentage of money spent or transferred and get daily returns on your savings.
- Fixed Saving: Helps you achieve specific goals or projects with ease as you can save for as short as 7 days and get amazing interest.
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OPay is safe and secure
- Licensed by CBN, insured by NDIC, and trusted by tens of millions of users
- All transactions are encrypted, secured, and reliable
- Use private mode to hide your account balance
- You can easily block your account or card via the USSD short code, *955*131# or *955*132#

Contact us
We have a dedicated support team available 24/7 for all your questions and complaints.
Helplines: 0700 8888328 or 020 18888 328
Website: www.opayweb.com
Whatsapp: +234 9165998936
Facebook: @Nigeria.Opay
Twitter: @OPay_NG
Instagram: @opay.ng
TikTok: @opaynigeria
YouTube: @opaynigeria
LinkedIn: OPay
Updated on
Jun 28, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 3 others
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.5
563K reviews
Princewill Nwafor
July 8, 2024
This app is super fast with great UI and smooth experience, kudos to the team. But I think the feature in the recent update which shows the last two transactions of a user in the home page is not a good idea, and I think dark mode should be introduced to the app to reduce eye strain, if these updates are made, then no doubt the app deserves a five star rating
1,384 people found this review helpful
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OPay Digital Services Limited
July 8, 2024
Hi Princewill , Thank you for taking out the time to send us your feedback as it gives us the opportunity to improve on our services! Your feedback is duly noted and will be reviewed by our team for further action. For other feedback and inquiries about our services, please chat with us via the APP, FB, IG, or X . Thank you. U.O.
Usama Sama'ila moriki
July 11, 2024
OPay is hands down the best digital banking app I've used so far! Their service is incredibly fast and reliable, especially when it comes to transfers - no delays whatsoever! I've had a seamless experience with their app, and I'm thoroughly impressed. One suggestion I have for the OPay team is to consider adding a dark mode feature to their app. It would be great to have the option to switch between different themes, including a dark mode, to customize
750 people found this review helpful
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OPay Digital Services Limited
July 11, 2024
Hi, Usama Sama'ila moriki. Amazing feedback! We are delighted to have you as one of our customers. Please do recommend OPay to your friends & Family. Thank you. O.M.
Esther Aworchi
June 27, 2024
I really love this app. Ever since i started using it, there's been zero transfer failures. The security has been excellent and I would have given a five star but i'm very pissed off with the report an issue feature after the recent upgrade. I topped up data using the opay ussd code and it had been pending for almost two days now, i have tried multiple times to report the issue but it doesn't work. The transaction num. column keeps showing no transaction records in the last 30 days.
686 people found this review helpful
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OPay Digital Services Limited
June 27, 2024
Hi Esther Aworchi, We regret the experience you had. Please give us another chance to resolve the issue. Kindly chat us via the APP, FB@OPay, IG@OPay.ng or X@OPay_NG. Thank you. A.D