We are Beyond Banking
OPay is dedicated to providing secure, easy-to-use & affordable financial services. Your one-stop payment platform with super-fast experience, amazing cashback, and reliable debit cards.
Welcome to OPay
Why Choose OPay?
Everything you need to manage your finances, all in one app.
Easy Account Opening
Instant account opening with amazing welcome bonuses
Instant Transfer
100% success rate to all banks in Nigeria, anytime
Airtime & Data Cashback
Up to 6% instant cashback on airtime & data top-up
Free Debit Card
10 free ATM withdrawals monthly, zero maintenance fee
OWealth Daily Interest
Earn amazing daily interest, use as balance anytime
24/7 Customer Service
Quick resolution via online & physical channels
Our Services
Financial freedom at your fingertips.
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 instantly at select agent stores or via the app. Enjoy secure, fast, and convenient payments with zero maintenance fees. Accepted at any ATM, POS, or online.
OWealth — Grow Your Money Daily
Get amazing daily interest on your funds while having full access and control. Make transactions at any time without affecting your interest!
Your Security & 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.
Quick Account Lock
Dial *955*131# or *955*132# to instantly lock your account or card if stolen or misplaced.
What Our Customers Think
Join millions of happy OPay users across Nigeria.
“OPay has completely changed how I manage my money. The cashback on airtime is amazing!”
“Instant transfers every time. I have never had a failed transaction. Best banking app in Nigeria!”
“The OWealth feature is brilliant. I earn daily interest without locking my money. Highly recommend!”
“Got my debit card instantly at an OPay agent. Zero maintenance fee is a game changer.”
Download OPay Today
Use your phone camera to scan the QR code and download the OPay app. Available on iOS and Android.
Scan to download
Customer Satisfaction, Our Priority
We are here for you with 24/7 quick customer service via in-app support, social media, or hotline.
App & Card Queries
0700 8888 328
POS Business Queries
0700 8888 329