OPay Reviews

AI summary of user reviews

Across the reviews, OPay is most often praised for very fast, seamless transfers and bill payments, a simple and low data friendly interface, and useful perks like cashback, interest on savings, and generally low or no hidden fees. Many reviewers also highlight strong security features and responsive support, making it a reliable option for daily and small business transactions. Common concerns include occasional downtime or peak hour instability, frequent notifications or loan spam calls, extra logins or intrusive verification prompts, and some complaints about charges on transfers to other banks, limits for users without BVN, and slower dispute resolution or limited reversal options.

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Top mentions

Showing 257 reviews sorted by newest first.

Ikenna Oyiih

NG · 2 reviews

Jun 26, 2026

Easy to use app. Easy to integrate business suite.

Steve Jones

NG · 1 review

Jun 26, 2026

Very good application. I enjoy the seamless transfer and payment

Paul Adonum

NG · 1 review

Jun 26, 2026

All transactions seems to be smooth and accessible. Best app so far

Motunrola Taiwo

NG · 1 review

Jun 12, 2026

The spam calls is too more , Everytime come and borrow loan

Naimot Kehinde

NG · 1 review

Jun 12, 2026

It is very accessible Fast in making transaction.

Doyinsola Olayisade

NG · 1 review

Jun 12, 2026

Transfer transaction on the app is very quick and efficient. It helps with saving and taking of loans.

Avosefoun Ìdòwú

NG · 1 review

Jun 12, 2026

This app is very good for transactions the services are also fast and reliable

YETUNDE LAWAL

NG · 1 review

Jun 12, 2026

Transaction is very fast and smooth No delay Opay is practically the best

Ogunbona Wuraola

NG · 1 review

Jun 12, 2026

With opay I can transfer money easy and fast and the data and airtime deals are very nice. I also get Cashback when I buy data and airtime.

Motunrayoonadeko01

NG · 1 review

Jun 12, 2026

Opay is a very fast banking app with cashback which I really appreciate

Omololaoni53

NG · 1 review

Jun 12, 2026

It's reliable,stress-free and the cash back system is quite amazing

Maria Emefiene

NG · 2 reviews

Jun 12, 2026

Fast transactions. I also love the spend and save feature

Lola Omoyeni

NG · 1 review

Jun 12, 2026

The app is very fast transactions and very user friendly.

Adewale Aishat

NG · 1 review

Jun 12, 2026

My experience so far has been good, swift transfers has been my favorite.

Lilian Okorafor

NG · 1 review

Jun 12, 2026

It is very Swift , reliable and less transactional delay

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Review Sources

Where reviews have come from for the past 12 months.

Verified16

Unverified241

Total reviews257

6% verified

Verified reviews include proof of product usage submitted by the reviewer.

AI Moderation

Every review is automatically screened by AI before publication. This helps maintain quality and trust.

AI-screened reviews

257

(100%)

Average confidence score

47%

Liners screens each review for rule breaches and signs of manipulation before publication.

Reply Behavior

How OPay responds to reviews.

No replies to reviews yet.

Flagging Activity

How frequently reviews were flagged for this listing in the past 12 months.

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Reviews Over Time

How OPay received reviews in the past 12 months.

May

227

Jun

Sep

Star Distribution Over Time

How star ratings are distributed each month for the past 12 months.

May

227

Jun

Sep

5-star

4-star

3-star

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1-star

4.5

Excellent · 257 reviews

How 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.

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