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).

As of Jun 22, 2026, OPay is rated 4.4 on the App Store from 278K reviews and 4.5 on Google Play from 1.1M reviews with 50M+ installs.