OPay app icon

OPay

Send money, pay bills, manage cards-Nigeria's mobile banking app

OPay Digital Services Limited · team.opay.pay

4.0 (33 ratings) 50M+ downloads v8.2.1.434 76.2 MB Android 5.0+ PEGI 3 · Everyone

Download APK 76.2 MB All versions
  • Signature matches the Google Play version Details

At a glance

Latest version
v8.2.1.434 (8396816)
Updated
Feb 10, 2026 (8 months ago)
APK size
76.2 MB
Requires
Android 5.0+ (API 21)
CPU support
Any (no native code)
Graphics
OpenGL ES 2.0+
Category
Finance (app)
Listed since
Jul 9, 2019
Permissions
41 (15 sensitive)
Website
operapay.com
Developer contact
[email protected]
Privacy
Developer's privacy policy

About this APK

OPay is an app by OPay Digital Services Limited in the Finance category, listed since July 2019. It has no native code, so it runs on any Android processor.

It asks for 41 permissions, 15 of them sensitive, including precise location, camera and read contacts. It asks for the same permissions as version 8.1.2.431. The app can read the advertising ID that ad and analytics services use.

Ratings

4.0out of 533 ratings
  • 5 ★61%
  • 4 ★9%
  • 3 ★12%
  • 2 ★6%
  • 1 ★12%

Ratings from users of the source store — not collected or verified by AAPKs.

Description

From the listing uploaded by “appupdater”.

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

Version history

3 versions are listed, going back to v8.1.1.430.

v8.2.1.434 LATEST Feb 10, 2026 76.2 MB TRUSTED v8.1.2.431 Jan 28, 2026 82.5 MB TRUSTED v8.1.1.430 Feb 8, 2026 82.5 MB TRUSTED

All 3 versions

OPay among popular Finance apps

OPay is one of the 36 most downloaded apps in our Finance category.

AppRatingDownloadsDownload size
Revolut - A Radically Better Account 4.3 (89) 50M+ –
Google Pay for Business – 50M+ 45.3 MB
OPay (this app) 4.0 (33) 50M+ 76.2 MB
Easycash - Pinjaman Daring – 50M+ 40.7 MB
mPokket – Instant loan for college students – 50M+ –

Apps listed next to it in our Finance ranking by downloads. Ratings and download counts come from the source store; ratings with fewer than five votes and sizes of outdated listings aren't shown.

Security & authenticity

Security rating: Trusted

Signing certificate

  • Signature matches the Google Play version Checked by the source store on Feb 10, 2026.
  • Certificate from Google Play App Signing Google keeps the signing key for the developer, so the certificate carries Google's name.
  • Same certificate as the 2 other versions checked

Store checks and file details

  • Developer signature under review Feb 10, 2026
  • Validated against Google Play Feb 10, 2026
  • Signed byCN=Android, OU=Android, O=Google Inc., L=Mountain View, ST=California, C=US
  • Signing certificate (SHA-1)20:F6:23:7A:73:C6:92:90:7C:9B:8C:EE:E1:7F:53:D7:48:34:20:B5
  • File MD50c97021dac617061e938fdd44c96682e
  • Uploaded by “appupdater” Gold tier · 117,810 followers · uploading since 2020

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures (2 other versions compared). AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (41)

OPay requests 41 permissions, 15 of them sensitive.

Required hardware & features

OPay APK: questions and answers

Can I install this APK over the version I already have?

Yes, if your installed copy is older. It is signed like the Google Play version, so Android installs it as an update and keeps your data.

Is the OPay APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. Its signature matches the Google Play version. It is signed with the same certificate as the 2 other versions checked. After downloading, check that the file's MD5 is 0c97021dac617061e938fdd44c96682e.

Tags

team opay finance

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