---
title: "OPay: Money Transfers, Bill Payments and Savings"
description: "Fund a wallet in Nigeria, send instant bank transfers, pay electricity/TV bills, get up to 6% cashback on airtime/data, plus 10 free ATM withdrawals/month."
canonical_url: "https://liners.com/opay"
markdown_url: "https://liners.com/opay.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/opayweb/screenshot.webp?v=1771639208033"
published_at: "2026-02-21T10:09:49.001Z"
updated_at: "2026-10-05T14:26:53.122Z"
---

# OPay: Money Transfers, Bill Payments and Savings

Fund a wallet in Nigeria, send instant bank transfers, pay electricity/TV bills, get up to 6% cashback on airtime/data, plus 10 free ATM withdrawals/month.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [OPay](/opay)

## Summary

Transfers, bill payments, and savings in one mobile wallet

A 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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.opayweb.com/ |
| Tagline | Transfers, bill payments, and savings in one mobile wallet |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating | 4.5 |
| Published reviews | 257 |
| Verified listing | Yes |

## About the product

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)**.

## Features

- [Fintech](/categories/fintech): Category
- [Agent Network](/tags/agent-network): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Microfinance Bank](/tags/microfinance-bank): Product feature or technology
- [Neobanks](/tags/neobanks): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Virtual Cards](/tags/virtual-cards): Product feature or technology
- [Egypt](/countries/egypt): Market
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/opay/alternatives)
- [Reviews](/opay/reviews)
- [Transparency](/opay/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/opay)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)