OPay—Beyond Banking: Your Instant Financial Bridge to Nigeria
Join millions of Nigerians abroad sending money with 100% success. Pay family bills directly, earn daily interest on savings, and enjoy total control over your finances from the USA.
OPay app screenshot displaying instant transfer and utility payment features
OPay OWealth dashboard showing account balance and daily interest rates
OPay app screens showing mobile data and airtime top-up options with cashback deals.
Three OPay Verve debit cards highlighting zero application and maintenance fees
OPay app home screen displaying financial services, account balance, and new customer bonus offers.
OPay mobile app security screen displaying facial recognition for account privacy and secure transactions
OPay 24 7 customer service and support screen featuring friendly representatives
OPay mobile app dashboard showing financial services and debit cards
Empowering Your Connections Back Home
The tools that make this app stand out, trusted by 15M+ users.
⚡
Instant Transfers to Nigeria
Say goodbye to delays. Send money to any Nigerian bank account or phone number with a 100% success rate and zero network failures.
💡
Direct Utility & Bill Control
Take charge of family support by paying for electricity, water, and airtime directly from the app, ensuring your funds are used exactly as intended.
📈
High-Yield Naira Wealth Management
Put your idle Naira to work with OWealth and earn daily interest that significantly outpaces traditional US savings account returns.
About the app
Everything you need to know about OPay-We are beyond Banking.
Description
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: +234 9165998936
Facebook: @OPay
Twitter: @OPay_NG
Instagram: @opay.ng
TikTok: @opaynigeria
YouTube: @opaynigeria
LinkedIn: OPay
Latest Version
8.0.0
Size
87.5 MB
First Released
Jun 22, 2019
Stay Connected to Home with Nigeria’s Most Trusted Finance App
Join 15 million users who enjoy 100% successful transfers, instant bill payments, and high-yield daily savings. Download OPay today and manage your family’s needs in Nigeria with total peace of mind.
FAQ
Frequently Asked Questions
Everything you need to know about OPay-We are beyond Banking
What financial services does OPay offer?
OPay provides instant money transfers, bill payments, airtime/data top-ups, savings with daily interest, debit cards, and loans. It is a comprehensive financial services platform.
Can I send money to non-OPay users with OPay?
Yes, OPay allows users to send money to others, including non-OPay users, using a phone number or bank account. All Nigerian banks power transactions.
Does the OPay debit card have application or maintenance fees?
No, the OPay debit card has zero application fees and no maintenance fees for active cards. Users can manage their cards via the OPay app.
Does OPay offer interest on savings?
Yes, OPay offers daily interest on savings through various products like OWealth, Spend & Save, Fixed Savings, Target Saving, and SafeBox. OWealth provides amazing daily interest.
How does OPay ensure account security and privacy?
OPay ensures security with biometric login, card locking, encryption, USSD options, NightGuard for night transactions, and Large Transaction Shield for high-value transactions. Private Mode hides balances.
Is OPay a licensed financial service platform in Nigeria?
Yes, OPay is licensed by the Central Bank of Nigeria (CBN) and insured by the Nigeria Deposit Insurance Corporation (NDIC).
Can I earn cashback on airtime and data purchases with OPay?
Yes, OPay offers up to 6% cashback on airtime and data purchases. It provides top offers for networks like MTN, Airtel, Glo, and 9Mobile.
Where can I use my OPay debit card?
The OPay debit card is accepted across POS, ATM, and WEB channels in Nigeria. It also works with international merchants like Microsoft, Netflix, AliExpress, Uber, Spotify, and Emirates.
Does OPay provide 24/7 customer support?
Yes, OPay offers 24/7 customer support. Users can contact the support team via helplines, WhatsApp, website, or social media channels for any complaints.
Does OPay offer a virtual debit card for online payments?
Yes, OPay provides a virtual card option for secure online payments. Users can get a virtual card instantly via the app for their transactions.
App information, icons, screenshots, and descriptions displayed on this page are sourced from the Apple App Store and are the property of their respective developers. Download estimates and rankings are based on MWM's proprietary models and may not reflect actual figures. This page is provided for informational and analytical purposes only.
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