OPay
Send money, pay bills, manage cards-Nigeria's mobile banking app
OPay Digital Services Limited · team.opay.pay
UpdatedFeb 10, 2026
PublishedMay 31, 2023
Packageteam.opay.pay
MD50c97021dac617061e938fdd44c96682e
SHA1 (signer)20:F6:23:7A:73:C6:92:90:7C:9B:8C:EE:E1:7F:53:D7:48:34:20:B5
Signed byCN=Android, OU=Android, O=Google Inc., L=Mountain View, ST=California, C=US
Malware scanTRUSTED
Websitehttps://operapay.com
Contact[email protected]
Privacy policyView
Description
OPay is Nigeria's trusted financial services platform, offering secure, fast, reliable, and affordable solutions for all payment needs. With OPay, you can:
• Send and receive money instantly with seamless transfers and a 100% success rate.
• Pay bills and top-up airtime & data with exclusive bonuses.
• Grow your savings easily with daily interest on your balance.
• Enjoy hassle-free debit cards at zero charges.
• Access flexible loans with low interest rates.
Unlock convenience, savings, and rewards—all in one app. Invite friends and earn instant cashback for each referral. Open your OPay account today and experience financial freedom.
HASSLE-FREE AND INSTANT TRANSFERS
● Say goodbye to transaction failures & network issues. Enjoy super-fast and successful transactions.
● Send money using a phone number or bank account to others, including non-OPay users.
● Powered by all Nigerian banks: Access Bank, Zenith Bank, GT Bank, UBA Bank, Ecobank Nigeria, First Bank of Nigeria etc., ensuring a seamless and secure banking experience for all our users.
● Keep track of every transfer. Easily find transaction details in your "Transaction History."
BEST AIRTIME/DATA DEALS & EASY BILL PAYMENTS
● Get top airtime and data offers on MTN, Airtel, Glo, and 9Mobile.
● Pay electricity, TV, water bills, internet services and more with ease.
● Earn up to 6% cashback on airtime and data purchases.
OPay DEBIT CARD
● Secure & Reliable: Chip & PIN technology with industry-leading multi-level risk prevention.
● Convenience: Apply via the OPay app with nationwide delivery options or visit any OPay agent store.
● Wide Acceptance: Accepted across POS/ATM/WEB in Nigeria and international merchants like Microsoft, Netflix, AliExpress, Uber, Spotify and Emirates.
● User-Friendly Management: Change PINs, set limits, block/unblock cards, and access card details in-app.
● Virtual Card Option: For secure online payments, get a virtual card instantly via the app.
GROW AND SAVE MORE MONEY (Powered by OPay Microfinance Bank)
● OWealth: Earn daily interest, with free deposits and withdrawals anytime.
● Spend & Save: Save a percentage of your spending and earn daily returns.
● Fixed Savings: Lock idle funds for at least 7 days to earn higher returns.
● Target Saving: Save towards specific goals with daily, weekly, or monthly plans.
● SafeBox: Start a strict savings plan with limited withdrawals and monthly interest.
SECURE AND PRIVATE
● Advanced features like biometric login, card locking, and encryption for all transactions.
● Block your account or card via USSD (955*131# or 955*132#).
● NightGuard security feature: Extra facial verification feature to authorise transactions during the chosen night time hours.
● Large Transaction Shield feature: Extra facial verification feature for transactions above your pre-set limit.
● Real-time notifications for account activity.
● Private Mode to hide your balance.
● Licensed by the CBN and insured by the NDIC.
OPay is licensed by Central Bank of Nigeria (CBN, https://www.cbn.gov.ng/PaymentsSystem/PSPs.html), and insured by Nigeria Deposit Insurance Corporation (NDIC, https://ndic.gov.ng/list-of-insured-institutions/list-of-mobile-money-operators/).
CONTACT US
Our support team is available 24/7 for all your complaints.
OPay Headquarters: Alexander House, Plot 9, Dr. Nurudeen Olowopopo Avenue, Alausa, Lagos
Helplines: 0700 8888328 or 020 18888 328
Website: www.opayweb.com
Whatsapp: +234 9165998936
Facebook: @OPay
Twitter: @OPay_NG
Instagram: @opay.ng
TikTok: @opaynigeria
YouTube: @opaynigeria
LinkedIn: OPay
• Send and receive money instantly with seamless transfers and a 100% success rate.
• Pay bills and top-up airtime & data with exclusive bonuses.
• Grow your savings easily with daily interest on your balance.
• Enjoy hassle-free debit cards at zero charges.
• Access flexible loans with low interest rates.
Unlock convenience, savings, and rewards—all in one app. Invite friends and earn instant cashback for each referral. Open your OPay account today and experience financial freedom.
HASSLE-FREE AND INSTANT TRANSFERS
● Say goodbye to transaction failures & network issues. Enjoy super-fast and successful transactions.
● Send money using a phone number or bank account to others, including non-OPay users.
● Powered by all Nigerian banks: Access Bank, Zenith Bank, GT Bank, UBA Bank, Ecobank Nigeria, First Bank of Nigeria etc., ensuring a seamless and secure banking experience for all our users.
● Keep track of every transfer. Easily find transaction details in your "Transaction History."
BEST AIRTIME/DATA DEALS & EASY BILL PAYMENTS
● Get top airtime and data offers on MTN, Airtel, Glo, and 9Mobile.
● Pay electricity, TV, water bills, internet services and more with ease.
● Earn up to 6% cashback on airtime and data purchases.
OPay DEBIT CARD
● Secure & Reliable: Chip & PIN technology with industry-leading multi-level risk prevention.
● Convenience: Apply via the OPay app with nationwide delivery options or visit any OPay agent store.
● Wide Acceptance: Accepted across POS/ATM/WEB in Nigeria and international merchants like Microsoft, Netflix, AliExpress, Uber, Spotify and Emirates.
● User-Friendly Management: Change PINs, set limits, block/unblock cards, and access card details in-app.
● Virtual Card Option: For secure online payments, get a virtual card instantly via the app.
GROW AND SAVE MORE MONEY (Powered by OPay Microfinance Bank)
● OWealth: Earn daily interest, with free deposits and withdrawals anytime.
● Spend & Save: Save a percentage of your spending and earn daily returns.
● Fixed Savings: Lock idle funds for at least 7 days to earn higher returns.
● Target Saving: Save towards specific goals with daily, weekly, or monthly plans.
● SafeBox: Start a strict savings plan with limited withdrawals and monthly interest.
SECURE AND PRIVATE
● Advanced features like biometric login, card locking, and encryption for all transactions.
● Block your account or card via USSD (955*131# or 955*132#).
● NightGuard security feature: Extra facial verification feature to authorise transactions during the chosen night time hours.
● Large Transaction Shield feature: Extra facial verification feature for transactions above your pre-set limit.
● Real-time notifications for account activity.
● Private Mode to hide your balance.
● Licensed by the CBN and insured by the NDIC.
OPay is licensed by Central Bank of Nigeria (CBN, https://www.cbn.gov.ng/PaymentsSystem/PSPs.html), and insured by Nigeria Deposit Insurance Corporation (NDIC, https://ndic.gov.ng/list-of-insured-institutions/list-of-mobile-money-operators/).
CONTACT US
Our support team is available 24/7 for all your complaints.
OPay Headquarters: Alexander House, Plot 9, Dr. Nurudeen Olowopopo Avenue, Alausa, Lagos
Helplines: 0700 8888328 or 020 18888 328
Website: www.opayweb.com
Whatsapp: +234 9165998936
Facebook: @OPay
Twitter: @OPay_NG
Instagram: @opay.ng
TikTok: @opaynigeria
YouTube: @opaynigeria
LinkedIn: OPay
Required features
- Bluetooth android.hardware.bluetooth
- Camera android.hardware.camera
- Camera Autofocus android.hardware.camera.autofocus
- Screen Portrait android.hardware.screen.portrait
Permissions (41)
OPay requests the following Android permissions:
- Usb Host android.hardware.usb.host
- Access Adservices Ad Id android.permission.ACCESS_ADSERVICES_AD_ID
- Access Adservices Attribution android.permission.ACCESS_ADSERVICES_ATTRIBUTION
- Access Adservices Custom Audience android.permission.ACCESS_ADSERVICES_CUSTOM_AUDIENCE
- Access Adservices Topics android.permission.ACCESS_ADSERVICES_TOPICS
- Access Coarse Location android.permission.ACCESS_COARSE_LOCATION
- Access Fine Location android.permission.ACCESS_FINE_LOCATION
- Access Location android.permission.ACCESS_LOCATION
- Access Network State android.permission.ACCESS_NETWORK_STATE
- Access Wifi State android.permission.ACCESS_WIFI_STATE
- Authenticate Accounts android.permission.AUTHENTICATE_ACCOUNTS
- Bluetooth android.permission.BLUETOOTH
- Bluetooth Admin android.permission.BLUETOOTH_ADMIN
- Bluetooth Advertise android.permission.BLUETOOTH_ADVERTISE
- Bluetooth Connect android.permission.BLUETOOTH_CONNECT
- Bluetooth Scan android.permission.BLUETOOTH_SCAN
- Call Phone android.permission.CALL_PHONE
- Camera android.permission.CAMERA
- Change Network State android.permission.CHANGE_NETWORK_STATE
- Change Wifi State android.permission.CHANGE_WIFI_STATE
- Flashlight android.permission.FLASHLIGHT
- Foreground Service android.permission.FOREGROUND_SERVICE
- Internet android.permission.INTERNET
- Post Notifications android.permission.POST_NOTIFICATIONS
- Query All Packages android.permission.QUERY_ALL_PACKAGES
- Read Calendar android.permission.READ_CALENDAR
- Read Contacts android.permission.READ_CONTACTS
- Read External Storage android.permission.READ_EXTERNAL_STORAGE
- Read Phone State android.permission.READ_PHONE_STATE
- Use Biometric android.permission.USE_BIOMETRIC
- Use Fingerprint android.permission.USE_FINGERPRINT
- Wake Lock android.permission.WAKE_LOCK
- Write Calendar android.permission.WRITE_CALENDAR
- Write External Storage android.permission.WRITE_EXTERNAL_STORAGE
- Write Settings android.permission.WRITE_SETTINGS
- C2dm Permission Receive com.google.android.c2dm.permission.RECEIVE
- Finsky Permission Bind Get Install Referrer Service com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
- Gms Permission Ad Id com.google.android.gms.permission.AD_ID
- Com Huawei Appmarket Service Commondata Permission Get Common Data com.huawei.appmarket.service.commondata.permission.GET_COMMON_DATA
- Com Samsung Android Mapsagent Permission Read App Info com.samsung.android.mapsagent.permission.READ_APP_INFO
- Team Opay Pay Dynamic Receiver Not Exported Permission team.opay.pay.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
