Making Financial Services More Accessible For

OPay gives you the freedom to make quick and easy payments, spend smart, and save more.

Do more with OPay

Pay Your Utility Bills

Make your payments from the comfort of your homes or on-the-go. Pay for your cable TV, electricity, water, education, toll, tax, and more.

Fast & Secure Transfer

With OPay, you can send money to other banks for free and receive money in real-time. All you need is a phone number to open an account.*

Connect with Friends

Chat with family and friends on the app. Send money to them with zero charges through our wallet-to-wallet payment system.

Offline Banking

No smartphone? No problem! Our USSD service is here to help you. Dial *955# on your phone to carry out any transaction.


Start saving smartly with any of our savings products and get up to 15% interest returns per annum. Withdraw your money at your convenience.
Easy, fast transactions

Goodbye to queues. OPay is the easiest and fastest way to make transactions and manage your finances without standing in long bank queues.

A better life with OPay

Add Money, Make Transfers, Pay Bills
Live your life on your terms and without limits. With an OPay account, you can add money to your wallet for free, within seconds and start making transfers to other wallets or any bank accounts for free.* Take control of how you make your bill and utility payments.
Become an OPay Merchant
As an OPay Merchant, you have the power and control to make as much money as you can while providing financial services and helping your community grow. Join the OPay family now, get a free POS and start to scale your business. We offer the lowest charges in the market.

OPay Cards, Your Passport To The

With our physical debit cards, you can make payments for goods, services and international subscriptions from your OPay wallet. Make offline or online payments seamlessly with your OPay card and partake in our Generous Reward Program.

We take your Security and Privacy seriously

Advanced fraud detection

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

Your money is safe with us

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

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

Use your phones camera to scan and download the OPay app
Available on iOS and Android

Our Partners

Do you still have questions?

Check out our FAQ page to answer any of your questions
around our products and services, and if you require further assistance or would like to reach us for general inquiries,
please call us on +234 1 888 8329 or email

*OPay customers get three free bank transfers daily. Consequent transfers afterwards cost N15 only.
**A 3% service fee is charged when you initiate a transaction and is automatically added to your account balance.

© 2021. OPay is a mobile money platform operated by OPay Digital Services Limited and licensed by the Central Bank of Nigeria. Launched in June 2018, the company has spread its services across all 36 states in Nigeria with over 300,000 mobile money merchants. Unauthorised reproduction and/or redistribution of copyrighted materials on this website and OPay’s social media pages is strictly prohibited.