OPay
Liners checked this listing or its product relationship to a reasonable extent. Verification is not an endorsement or product test. How verification worksA Nigerian consumer finance app for wallet funding, free bank transfers, bill payments, airtime and data top-ups with cashback, debit cards, and daily-interest savings.
OPay Product Overview
Is OPay Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian mobile wallet users
- Everyday bank transfers
What It Does Well
- Fast bank transfers
- Wallet funding
Things to Check
- Transfer limits
- Cashback rules
About OPay
OPay is a consumer financial services platform in Nigeria that lets individuals fund a wallet, make transfers, pay bills, and save money from a single app.
Key capabilities include:
- Wallet funding, transfers, and bill payments: Add money to an in-app wallet, send instant transfers to banks in Nigeria, and pay bills such as electricity, TV, water, and internet.
- Airtime and data top-ups with cashback: Buy airtime or data for major Nigerian networks (including MTN, Airtel, Glo, and 9Mobile) and receive up to 6% instant cashback.
- Debit cards for everyday spending: Apply for a physical debit card (available instantly at select agents or via the app) for payments at ATM, POS, and online. Active cards have zero maintenance fee and include 10 free ATM withdrawals monthly.
- Savings with daily interest: OWealth offers daily interest while keeping funds accessible for transactions; it is powered by OPay Microfinance Bank Limited.
Available on Web, Android, and iOS.
Built for individual consumers in Nigeria who need fast transfers, routine bill payments, airtime top-ups, and app-based savings.
Notable in the Nigerian market for combining payments, cashback incentives, cards, and interest-bearing savings in one platform, with licensing by the Central Bank of Nigeria (CBN) and deposit insurance by the Nigeria Deposit Insurance Corporation (NDIC).
OPay Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataAs of Oct 5, 2026, OPay is rated 4.4 on the App Store from 335.2K reviews and 4.5 on Google Play from 1.1M reviews with 50M+ installs.
Recent Reviews for OPay
Reviews reflect each reviewer's opinion. Companies cannot pay to alter or remove reviews. A verified review includes proof that Liners checked to an extent. Learn how reviews workHow is the score calculated?
Every product starts at a 3.5-star baseline worth 7 reviews. Each approved review pulls the score toward the real average, so a product with one 5-star review shows about 3.7.
Learn how reviews work
NG · 2 reviews
Sep 3, 2026
It has been great ever since I started using opay, no delay in transaction
NG · 2 reviews
Sep 3, 2026
Ease in transaction plus the bonuses that comes with it
Compare OPay With Similar Products
OPay Funding History
Liners compiles funding history from company announcements, investor records, and trusted reporting. We refresh it as new rounds are confirmed. How we source dataOPay has raised $570M across 3 recorded funding events. The latest was Series C in Aug 2021.
- Total Raised:
- $570M
- Latest Round:
- Series C
OPay Investors & Funding Rounds
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OPay Founders & Leadership Team
Liners compiles leadership profiles from official company pages, professional profiles, and trusted public sources. We refresh them as teams change. How we source data
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Latest OPay News & Updates
Liners collects product news from official company updates and trusted publications. We refresh coverage as new articles are published. How we source dataSign in to see all 41 articles
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Jobs at OPay
| Title | Posted |
|---|---|
| HRIS & HR Analysis Consultant | Jul 27, 2026 |
Upcoming Events for OPay
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BankingWe Opened a Naira Account at Every Bank in Nigeria, Here's What We Found
A Liners field study across traditional banks and digital banks in Nigeria, with real BVNs and NINs.
Frequently Asked Questions About OPay
To open an OPay account, you need a phone number to get started, your NIN, and a live selfie for facial verification. BVN is optional at this stage for a basic Tier 1 account, but you'll need it to unlock higher transaction limits later.
This lines up with the wider Nigerian market. In Liners' 2026 Naira account opening study, NIN was requested in 96 of 100 walk-in bank visits, and BVN blocked the process from starting entirely at 42 of them. Having both ready before you start, whichever bank you choose, is the single biggest thing that speeds up account opening.
- Download the OPay app from the Google Play Store or Apple App Store.
- Enter your phone number and verify it with the OTP sent by SMS.
- Enter your NIN when prompted. BVN is optional at this stage for a basic Tier 1 account.
- Take a live selfie for the facial recognition and liveness check.
- Set up your transaction PIN.
- Your account number appears on screen instantly, no waiting.
Liners researchers completed this flow in three to six minutes in most attempts, as part of our Naira account opening field study, and none needed a second facial scan. A virtual debit card is available the same session; you just have to request it in-app rather than it being issued automatically.
Opayweb is the website for OPay, a financial services platform offering payments, transfers, savings, loans, bill payments, and debit cards. You sign up via the OPay mobile app, add funds to your wallet, and use it for free transfers, airtime top-ups with bonuses, savings plans earning interest, and instant debit card applications.
OPay has no setup or monthly fees. Transactions cost 2.25% + 2 EGP, with special business plans available by contacting them; debit cards cost N500 to apply.
OPay operates in Nigeria.
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