iPhone Screenshots


OPay - The first cashback wallet in Nigeria
(A secure app that helps you make convenient payment anywhere you are! )

● Use Now Repay Later
CreditMe is an OPay wallet that allows customers to pay first and repay later. Up to ₦100,000 credit free to use without any service fee.
Loan Products:
Tenure: We will require your repayment from the 91st day to the 365th day*.
Loan Amount: from ₦3,000 to ₦500,000.
Interest Rate: With a minimum of 0.1% to a maximum of 1%
Our interest rate is calculated on a daily basis. Annual interest rate is from 36.5% to 360%.
Origination Fee: Range from ₦1,229 – ₦6,000 for one-time charge
For example, 91-day loan payment terms have a processing fee of 41% and interest of 9.1%. For the loan processed with principal amount of ₦3,000; the processing fee would be ₦1,229; the interest would be ₦273; the total amount due would be ₦4,502. The total amount due in the first month would be ₦1,512; the processing fee would be ₦419; the interest would be ₦93. The total amount due in the second month would be ₦1,495; the processing fee would be ₦405; the interest would be ₦90. The total amount due in the third month would be ₦1,495; the processing fee would be ₦405; the interest would be ₦90.

● High Interest On Savings
OWealth provides you with at least 15% rate of return per annum. For Example: Let’s say you invest ₦50,000 for one year. At the end of the annual savings date, the amount of return you will get is: ₦50,000 x 15 / 100 = ₦7,500, that means you will get ₦57,500 back at the end of your saving tenure. PS: You can withdraw your money at anytime with no extra fees.

● Add Money & Make Transfers
Funding your wallet is secured and convenient. OPay provides you with seamless, and most importantly: free and discounted services! Enjoy free OPay transfers!

● Deposit & Withdrawal
Our 300,000 merchant network will offer these services. Just search for a nearby merchant directly on the app and complete your daily transactions.

● The leading Mobile Payment platform in Nigeria, with over 8 million users.
● Enjoy free 90 bank transfers monthly.
● Get cashback when you pay for Airtime, bills and more.
● OPay attaches great importance to protecting users‘ information, wallets and privacy.

We have a dedicated support team available 24/7 for all your inquiries and complaints.
Our website: https://opayweb.com
WhatsApp: 2349066722924
Email: support@opay-inc.com or ng-support@opay-inc.com
Office Address: 16B Emina Cresent, Off Toyin Street, Ikeja, Lagos State, Nigeria

This APP is intended solely for users who are 18 years of age or older.

Give yourself the power to do more.
Download OPay app today!

What’s New

Version 2.4.2

OPay deals, enjoy discounts on eating, drinking and having fun

Ratings and Reviews

3.0 out of 5
2.3K Ratings

2.3K Ratings

iambabatee ,

Otrike usage

Hi, am a new user, I was move with passion when I saw the ride that I can order keke from the comfort of my home here in kano! I downloaded the app on my iOS phone, but unfortunately many of the features being talked about was not included. Yet I went ahead to register simply because the features I needed more is currently there, I topup my balance with a 1,000. And tried to order a keke but it keeps telling me invalid passenger number! And also my 1,000 topup is not reflecting on my balance on the home page! But showing in the balance. Kindly help look into this

Developer Response ,

Hi iambabatee, we are really sorry for any inconvenience you might have experienced. Kindly send your app number to support@opay.team or afeeza@opay.team. The feature to order a keke will be available in the coming week. Again we’re very sorry for the inconvenience.

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

chimdilawson ,

Couldn’t edit/delete POS application that wasn’t approved

I applied for POS via the app but didn’t upload bank statement (this showed to be optional and not mandatory, hence the reason I ignored it) and my wallet wasn’t also funded, I didn’t get any response so I tried multiple times, still to no avail, I visited OPay Reps office in Port Harcourt to relate it to them and I was told my wallet has to be funded first with the “caution fee” and that I also have to upload my bank statement and other required document, so I tried doing that but got a pop up that I’ve exceeded the maximum number of applications, I told them what I encountered and I was told nothing can be done, that I will have to abandon the account and create a new account.

So I thought I should relate this to the developers, if the app can be modified so one can edit or delete an application that didn’t go through and have a chance to apply for POS freshly again having the requirements met.

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


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

You May Also Like