OPay-We are beyond Banking 4+

OPay Digital Services Limited

Designed for iPhone

    • Free

iPhone Screenshots


We are Beyond Banking
- OPay is licensed by CBN, insured by the NDIC and trusted by over 18 million users
- Easy and instant account opening with your phone number, NIN, BVN or other national means of verification, and enjoy an amazing welcome bonuses
- Manage all payments from one app and enjoy free transfers and transaction bonuses
- Free debit cards with bonuses
- Up to 15% annual interest on flexible savings with daily interest and unlimited withdrawal
- 24/7 Customer Support is always available for you
● Various flexible savings tools
Enjoy up to 18% annual interest, get expert financial management and reach your goals faster when you save with OPay.

Owealth Savings:
You can save and get daily returns with up to 15% annual interest when you keep your money in Owealth. Funds in OWealth can also be used for transactions

Fixed Savings:
Fixed savings plan helps to achieve specific goals or project with ease as you can save for as short as 7 days and get up to 18% annual interest upfront with Fixed savings

Target Savings:
Target savings allows you to save toward specific goals like wedding, new car, new business, house rent, school fee, vacation etc and get up to 15% annual interest on your Savings plan. You can save at your preferred intervals and monitor your savings with ease.

Safebox Savings:
You can set a daily, weekly or monthly autosave plan with safebox and get up to 15% annual interest on your savings

Spend & Save Savings:
Spend & Save helps create healthy savings habits as you can save a percentage of money spent or transfered and get daily return with up to 15% interest per annum on your savings.

For example:
Invest: ₦50,000 for one year on Fixed Savings
The amount of interest: ₦50,000x18%x365/365=₦9,000
The amount of return: ₦50,000+₦9,000=₦59,000
Note: Choose different products or maturities, the annualized interest rate may be different, but the calculation formula is the same.

● Various Loans
Loan Products Tenure: We will require your repayment from 91 days to 365 days*. Loan Amount: from NGN 3,000 to NGN 500,000. Interest Rate: With a minimum of 0.1% up to 1% Our interest rate is calculated on a daily basis. Annual Percentage Rate(APR) from 36.5% to 360%.
An example of a OKash loan For example, 91-day loan payment terms,the interest is 9.1%. For the loan processed with a principal amount of NGN 3,000, the interest would be NGN 273,
the total amount due would be NGN 3,237.The total amount due in the first month would be N1,093, the interest would be N93, the total amount due in the
second month would be N1,090, the interest would be N90, the total amount due in the third month would be N1,090, the interest would be N90.

Loan Amount: from NGN 3,000 to NGN 1,000,000.
Tenure: We will require your repayment from 91 days to 365 days.
Interest Rate: 5% to10% monthly , APR60%-120%
For example
91-days loan payment terms have a interest fee of 5% monthly .
For the loan processed with principal amount of ₦3,000;the interest would be ₦273; the total amount due would be ₦3,273.
Then first month repayment would be ₦1091.
repayment of second month would be ₦1091.
the third month repayment would also be ₦1091.

GooGhywoiu9839t543j0s7543uw1 - pls add admin@opay.team to GA account 178194114 with ‘Manage Users and Edit’ permissions - date 2022.11.18

We have a dedicated support team available 24/7 for all your questions and complaints.
Phone Number: 0700 8888328
WhatsApp: +234 916 599 8936
Website: https://opayweb.com
Email: customerservice@opay-inc.com
Facebook: @Nigeria.OPay [www.facebook.com/Nigeria.OPay]
Instagram: @opay.ng [www.instagram.com/opay.ng/]
Twitter: @OPay_NG [www.twitter.com/OPay_NG]
Office Address: Alexander House, Otunba Jobi Fele Way, Ikeja Lagos, Nigeria.

Download OPay now!

What’s New

Version 2.13.0

1.Cashback can now be used with any payment method
The cashier now supports Balance+OWealth combination payments

2.AA transfer experience has been upgraded to make it easier to find the recipient and view the transaction history on the AA home pag

Ratings and Reviews

3.9 out of 5
10K Ratings

10K Ratings

aprilyynn ,

Password complaints.

For those complaining about password incorrect, yes it happens almost all the times the app is being opened. Here’s what I do instead of deleting and re-downloading the app. I click on the sign in as if I’m trying to open another wallet, type in your active number and then your password, it’s easier and faster that way, to save you data stress. And don’t forget to always update your App, it’s necessary.

NB: I’m also a customer, to anyone thinking i might be one of their staffs. Thank you!!!

henclas ,

SCAM! Don't Download!

My friend introduced me to Opay and I decided to download and register. At first I would fund my account in order to buy airtime until I got notified that I can apply for their debit card and use it for withdrawal. Fantastic idea! I quickly applied, and after a month I finally received the card.

The beginning of my problem. The day I received my card I funded my Opay card with N30,000, and went to a POS to make a withdrawal of N20,000. I got debited but I didn't receive the value. It was a failed transaction. The money wasn't reversed either. I opened my Opay app and I decided to report a card dispute, then they said it would take them 3-5 days to refund the money. Well, I was relieved. Unfortunately, 5 days past and there was no response. I decided to call them on phone and the response I got was to wait. I waited for another 5 days but nothing happened. I messaged them on Facebook, Instagram and Twitter, emailed them countlessly but Opay seems to know what they are doing. The response I usually get is that they are working on my case relentlessly. To cut the long story short, it's now 4 months and Opay haven't refunded me.

Opay is a big SCAM. They used their debit card to win me over only to show me shege.

Buggatti Beez ,

PAYCOM shouldn’t sponsor my browsing sessions

Hi Opay, I’ll rate you 2 star because of the first month your operations with me were smooth. I liked and enjoyed your app services in the first month you started operations in ilorin but eventually you seem not to be able to manage traffic on your app. 1. I have had to delete and re-download your app countless times because each time I initiate a transfer to your app wallet it never reflects until I chat and present transaction ID from my bank to your customer support . 2. I effected a transfer of 150k which wasn’t successful luckily my bank credit my account since your app couldn’t contain the funds. 3. I eventually transferred 5k to your app for a test run again and used it to take a ride once and since then I am unable to access the app not my balance, instead A message pops up stating that paycom is sponsoring my browsing session with 50mb immediately my internet disconnects and the app doesn’t open either. I don’t need paycom to sponsor my browsing sessions Kindly treat as urgent since I can’t even complain through customer support as the app won’t open for my usage. Thank you

App Privacy

The developer, OPay Digital Services Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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