Take control of your
personal economy with OPay
The freedom and security of paying for goods, earning cash, and topping up your personal accounts is in your hands.

You can do so much more
with OPay

Bills & Utility Payments

Bills & Utility Payments

Pay your bills with no convenience fee from the comfort of your homes, or on your way to work. Pay for an unlimited number of bills from Cable TV, Electricity, Water, Education, toll, Tax, and many more.

Agent Banking Services

Agent Banking Services

Cash withdrawals at over 350,000 agent locations across the country. No out-of-network or queuing to withdraw your own money. Just open the app to find the nearest agent to make withdrawals . You can also perform other financial services at the agent location.

Peer to Peer Transfers

Peer to Peer Transfers

Send and receive money from friends and family on your contacts for free. Our wallet to wallet payment is a fast and secured way to send and receive money with just your phone number.

Betting Payments

Betting Payments

Top up your betting wallet directly from your OPay account. We have gone ahead to partner with the top betting partners in the country. You can also withdraw your winnings directly into your OPay account without hassle.

Rewards & Vouchers

Rewards & Vouchers

When you use OPay, you’ll earn cash backs and rewards. You will earn rewards in the form of OCoins our fair reward system. Finally an account that pays you and rewards your hard work!

POS Service

POS Service

We have also extended OPay payments to our point of sale terminals at our agent locations. Cash withdrawals, transfers and much more. Business owners can also request for our POS terminals and we will deploy them to your location without any fees.

Fast & Secure Transfers

Fast & Secure Transfers

With your OPay account you can send and receive money in real time from any bank for as low as 10 Naira. Join over 5 million customers now

Merchant QR Payments

Merchant QR Payments

Faster payment like you have never seen before with our QR payment system. Scan QR codes with your mobile phone at Merchant locations to pay seamlessly. No fees.

Open an OPay account directly from your phone within 5 minutes and make payments with no hidden charges. No minimum account balance, no maintenance charges, and our transfer fees as low are as 10 Naira.

Pay with OPay
USSD - *955#

No internet connection? No worries! Access OPay services on our *955# USSD code on any any network. The *955# USSD code allows you to access various OPay services with just one dial.

A card that helps you
do more with your money.

Adjustable withdrawal limits and important card controls to help you manage your card.
Unlimited cash backs when you pay with your OPay card.
Access to overdraft spending and credit.
Break away from predatory bank fees!

We take your Security & Privacy Seriously

Our users' security and privacy is our priority, your information is fully encrypted and safe.

Advanced fraud detection

Your data is stored and encrypted using strong cryptography and we scan our systems daily against security threats.

Your money is safe with us

We are compliant with PCI DSS and your transactions are always encrypted and secured.

OPay FlexiFixed

Get Better returns on your money! FlexiFixed offers you an annual interest rate of 12% and free access to your funds anytime without paying ANY breaking fee.

Download the app & start your journey to stress-free payments now.