Safety Information

Safeguard Your Account

Safeguard your account as your personal property; refrain from sharing card information, login or token via phone, SMS, or email. OPay Digital Services Limited is committed to enhancing platform security, ensuring your online safety, and maintaining customer account confidentiality. Learn more about online protection measures, including identifying fake emails and websites.

Security Tips

  • Avoid sharing your account login, card details, and PIN to prevent unauthorized access. OPay Digital Services never requests such information through any communication channel.
  • Keep your ATM cards secure and refrain from disclosing your PIN. Do not maintain a written duplicate of your PIN.
  • Recognizing a familiar phone number or email doesn't guarantee authenticity; be cautious with cold-callers.
  • Hide your PIN when using Automated Teller Machines (ATMs )or making app transactions by using your hand or body.
  • Create very strong and robust passwords for your app login and card PIN. Change them regularly.
  • Review your transaction history regularly to ensure it only includes your transactions; please report any unexplained transactions.
  • Enable app notifications for timely updates on account activities sent to your cell phone or email.
  • Access our services exclusively through your Opay mobile app for added security.
  • Exercise caution against copycat websites or applications resembling OPay's; be wary of fake sites or apps that mimic our platform.

Recognizing Fraud

You are the first and most effective line of defense in combatting online fraud. Learning how to identify and prevent online fraud is the most efficient protection against fraud. Read the following tips to help you recognize potential scams. Online fraud typically takes the form of fraudulent e-mails and Web sites. These forged means of communication often use corporate logos, colors and legal disclaimers to make them appear authentic.

Fraudulent Emails

Online scam through fraudulent emails is a very popular form of deception. A "spoofed" email mimics a legitimate source, aiming to deceive you into divulging personal or account information, making payments, or engaging in fraudulent activities. These attacks persist due to their low-tech nature, allowing for large-scale execution. Despite visible warning signs, individuals still succumb to "phishing" and scam emails, some of which prompt customers to update their accounts by clicking on links leading to counterfeit websites. Stay vigilant against these tactics and do not fall victim.

Spoofed Websites

Spoofed Web sites, like phishing e-mails, are used by fraudsters who build fake websites that look very similar to OPay Digital Services Limited’s website to lure unsuspecting customers into providing their online banking log-in information and card details which are later used to access such accounts. Spoof Web sites allow fraudsters to collect such sensitive information as Account Information and Card Details. OPay Digital Services Ltd will never ask a customer to provide, verify or update their personal, account or financial information via email or pop-up windows. This includes: Passwords, Personal Identification Numbers (PIN), or ATM, Debit Card numbers. If you receive an email requesting such information, do not respond and never click on a link contained in a suspicious email.

Phishing Calls or Emails

Phishing involves deceptive tactics like false calls, emails, or browser pop-ups that mimic a legitimate source, often featuring a company's name, logo, or graphic. A common scam scenario includes;
- Receiving a call or an email asking you to update or validate your account details.
- The message warns that if you fail to respond, your account access will expire or be suspended.
- A link in the message sends you to a website that appears to be legitimate, but is not.
The scammers aim to trick you into revealing personal information, such as your account number, PIN, or password, enabling them to commit financial crimes or identity theft. It could also be an attempt to compromise your phone or device security. Remain cautious and vigilant against these deceptive

practic.How to avoid falling for Phishing Scams

Never open any email unless you know who the sender is. Just opening an email can introduce malware to your device. Be skeptical of every email you get, and never click on suspicious links, or download suspicious attachments. In case of uncertainty, please call OPay's customer service.


This occurs when you enter a Web address but are redirected, without your consent or knowledge to a fraudulent site that looks similar to a legitimate site. These fraudulent sites are created to capture confidential information.

  • If your phone is lost or stolen, use this code to block your account *955*131# and contact us immediately using the following telephone numbers: 0700 8888 328 or 020 18888 328
  • If your card is lost or stolen, use this code to block your card *955*132# and contact us immediately using the following telephone numbers: 0700 8888 328 or 020 18888 328
  • You will never be contacted directly by companies like Verve to verify personal or card information, your PIN or to request that you transfer funds or process transactions to protect your account.
  • Memorize your Personal Identification Number (PIN). Never write it on the card or anywhere else it could be compromised.


“Skimming“ is a technique where thieves capture the magnetic stripe data from your card to produce a counterfeit card. These fake cards are then used to process unauthorized transactions against your account. There are two main methods of skimming card information:
A small device that seems to be part of the machine is placed over the card insertion hole of an ATM or other self-service kiosk. As you insert your card into the ATM, the device "reads" the data on the stripe and either stores it or sends it to a nearby site. Sometimes, there is a small, hidden camera that records your keystrokes as you enter your PIN into the machine.

How to protect yourself

  • If you see an attachment on an ATM that looks suspicious, don’t use the ATM. Notify the institution that owns the machine as soon as possible.
  • Never give your PIN to anyone or write it on your card.
  • Review your transaction history immediately and notify us of any discrepancy via our in-app customer service feature or by calling us on 0700 8888 328 or 020 18888 328.

Your Responsiblity

OPay Digital Services, its staff or agents will never contact you via phone call or email with a link requesting you to update your account or your passwords, token generated codes, card details or PIN. Anyone soliciting such information is a fraudster.
If you receive an email or encounter a suspicious telephone call fitting this description, please report it through one of the following channels:

  • In-App Customer Service:
  • For assistance or inquiries, kindly utilize the self-service or live chat feature within the app to connect with a customer service representative.

  • Mobile Complaints:
  • - Call us on 0700 888 8328 or 020 18888 328 (for App & Card queries).
    - Call us on 0700 888 8329 or 020 18888 329 (for POS Business queries).
    Our helpline is available 24/7.
    Alternatively, chat with us on WhatsApp at +2349165998936.

OPay's Polic

OPay Digital Services Limited is committed to constant innovation and the implementation of security features to uphold the integrity of our platform. Our primary objective is to safeguard the confidentiality of customer accounts and personal data. While we strive to provide a secure transaction environment, customers should take the following steps to protect confidential information during financial transactions on the app::

  • Create a strong unique account password. Select a password that is hard to guess by using random letters, numbers, and symbols. Do not use readily identifiable information such as your name, birth date, or child's name.
  • Do not share your password with anyone else. Keep your password confidential.
  • Change your PIN regularly. We recommend changing your PIN every 60 to 90 days.
  • Close your app window when you have finished your app session for added security.
Agent Network
OPay Office
HQ:Alexander House, Plot 9, Dr.Nurudeen Olowopopo Avenue, Alausa, Lagos
OPay Office Address
ABUJA:Uyk Hexahub Plaza, Balanga Cresent off Uke Street by Bolton White Hotel, opposite Hawthrone Suites, Garki 11, Abuja
LAGOS, ALLEN IKEJA:No 103 Mosesola House, Allen Road, Ikeja Lagos
LAGOS, FESTAC:Plot 3084, 24 Sky Castle Plaza, Festac Access Road, beside Santiago hotel, Festac Town, Lagos
LAGOS, IKORODU:No. 132B Lagos Road, Ikorodu Jumofak Bus Stop, Ikorodu, Lagos State
ABEOKUTA:Dolly House Opposite Laroy Hotel, Abiola Way
IBADAN:Tricennial House, 189B, Fajuyi Road, Beside Ideal Consult, Opposite Thermocool Showroom, Along Adamasingba Road, Eleganza, Ibadan
JOS:Thilda's Center, Shop 12 Opposit Gig Logistics Dadin Kowa 3Rd Gate Jos
KADUNA:Asd City Mall Katsina Road By Independent Way, Kaduna State
KANO:91/94 Ibrahim Taiwo Road Adjacent Azman filling Station, Fagge local government area, Kano
OSOGBO:KLM 3, Gbongan Ibadan expressway, opposite Fakunle Justrite Mall, Osogbo, beside MTN office, Osun State
BENUE:Chiventis Plaza, Atom Kpera OAD, Modern Market
AKWA IBOM:Plot 104 Nsikak Eduok Ave, Homelight Properties, After Full Life Christian Centre, Two Lane Uyo
IMO:No.138 Tetlow Road, off Lagos Street
ABIA:No 37 Okigwe Road, opposite Hotel De Ville Aba South LGA, Abia State
KOGI:No 36, 1BB Way, opposite Kogi State Revenue House, Lokoja, Kogi Stat
PORTHARCOURT:Plot 79 Evo Road, opposite Medicine Mart Pharmacy GRA Porthacout Rivers State
EDO:5, Dawson Road, Opposite Felona Hotel, Benin City Edo State
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© 2112023 OPay Digital Services Limited.
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