We are
Beyond Banking

OPay gives you the freedom to get more.

Our solutions make payments easier, transfers free, savings more rewarding and gives you cashback on airtime and data top-ups. With 100% network uptime, you can make payments in seconds without transaction failure. Enjoy a better life with OPay.

Bank Transfers

Fast transfers with 100% success rate to all banks across Nigeria, anytime for free.

Instant and Free Debit Cards

Apply and get a card instantly at select OPay agents or apply via the OPay App. Enjoy 10 free ATM withdrawals monthly and zero maintenance fee.

Amazing Bonuses

All new users can enjoy an amazing welcome bonus while all users can enjoy cashback on every airtime and data recharge.

Easy Account Opening

Instantly open an OPay account with just your phone number, NIN, BVN or other valid IDs.

Our Services

Fund your Account, Make Transfers, Pay Bills

Live life on your own terms! Add money to your OPay wallet and transfer to other bank accounts for free. Enjoy bonuses on airtime & data top-ups and fast bill payments at no extra charge.

OPay Debit Cards,
Your Passport To The World

Get your OPay Debit card at select OPay agent stores instantly or apply on the OPay App and enjoy 10 free ATM withdrawals monthly and zero card maintenance fees. The OPay debit card is accepted at Any ATM, POS or Web.

Join 35+ million users who already trust us with their money

Get started

Download the app and start your journey to stress-free payments now

Use your phones camera to scan and download the OPay app

Available on iOS and Android

No transaction failure on OPay.

Here's what our customers think

Your Security and Privacy is our priority

Advanced Fraud Detection

Your data is stored and encrypted using strong cryptography. We scan our systems daily against security threats.

Safe Transactions

We are compliant with PCI DSS. Your transactions are always encrypted and secured.

We are here to help!

Chat with us via our in-app live chat or send us a message on our official social media pages. If you require further assistance, contact us via the following channels:

(App & Card queries)

(POS Business queries)