OPay gives you the freedom to make quick and easy payments, spend smart, and save more.
Pay Your Utility BillsMake your payments from the comfort of your homes or on-the-go. Pay for your cable TV, electricity, water, education, toll, tax, and more.
Fast & Secure TransferWith OPay, you can send money to other banks for free and receive money in real-time. All you need is a phone number to open an account.*
Connect with FriendsChat with family and friends on the app. Send money to them with zero charges through our wallet-to-wallet payment system.
Offline BankingNo smartphone? No problem! Our USSD service is here to help you. Dial *955# on your phone to carry out any transaction.
SavingsStart saving smartly with any of our savings products and get up to 15% interest returns per annum. Withdraw your money at your convenience.
Goodbye to queues. OPay is the easiest and fastest way to make transactions and manage your finances without standing in long bank queues.
With our physical debit cards, you can make payments for goods, services and international subscriptions from your OPay wallet. Make offline or online payments seamlessly with your OPay card and partake in our Generous Reward Program.
Advanced fraud detectionYour data is stored and encrypted using strong cryptography. We scan our systems daily against security threats.
Your money is safe with usWe are compliant with PCI DSS. Your transactions are always encrypted and secured.