TLDR;
The OPay app is a comprehensive financial platform in Nigeria that provides secure, fast, and affordable payment solutions. It allows users to send and receive money, pay bills, top-up airtime, save money with daily interest, and access debit cards and loans. The app emphasizes security with features like biometric login and encryption. User reviews highlight the app's efficiency and customer service, while also pointing out areas for improvement such as the in-app customer service chat and the display of amounts in transactions.
- Seamless and instant transfers
- Best airtime/data deals & easy bill payments
- Grow and save more money
OPay - Banking Finance App Overview
OPay is a financial services platform designed for iPhone users, offering a range of features including money transfers, bill payments, airtime purchases, savings options, debit cards, and loan access. It is positioned as a secure, fast, reliable, and affordable solution for payment needs in Nigeria. The app also includes a referral program where users can earn cashback by inviting friends.
Hassle-Free and Instant Transfers
OPay provides fast and successful money transfers using phone numbers or bank accounts, even to non-OPay users. It is supported by all Nigerian banks, ensuring secure banking. Users can easily track transactions in their "Transaction History."
Best Airtime/Data Deals & Easy Bill Payments
Users can get deals on airtime and data for major networks like MTN, Airtel, Glo, and 9Mobile. The app facilitates easy payment of electricity, TV, water bills, and internet services, with up to 6% cashback on airtime and data purchases.
OPay Debit Card
The OPay debit card is secure and reliable, featuring Chip & PIN technology and multi-level risk prevention. Users can apply for the card via the app and have it delivered nationwide or visit an OPay agent store. The card is widely accepted across POS, ATM, and online platforms in Nigeria and internationally. The app allows users to manage their cards, including changing PINs, setting limits, and blocking/unblocking cards. A virtual card option is available for secure online payments.
Grow and Save More Money
OPay offers several savings options: OWealth (daily interest with free deposits and withdrawals), Spend & Save (saving a percentage of spending with daily returns), Fixed Savings (higher returns for locking funds), Target Saving (saving towards specific goals), and SafeBox (strict savings plan with limited withdrawals and monthly interest).
Secure and Private
OPay employs advanced security features such as biometric login, card locking, and transaction encryption. Users can block their account or card via USSD. The NightGuard and Large Transaction Shield features add extra facial verification for transactions. Real-time notifications keep users informed of account activity, and a Private Mode hides the balance. OPay is licensed by the Central Bank of Nigeria (CBN) and insured by the Nigeria Deposit Insurance Corporation (NDIC).
Contact Information
OPay's headquarters are located in Lagos, Nigeria. Customer support is available 24/7 via phone, website, WhatsApp, and social media channels including Facebook, Twitter, Instagram, TikTok, YouTube, and LinkedIn.
Ratings & Reviews
The app has an average rating of 4.3 out of 5 based on 36K ratings. Recent reviews mention the app's good features and ease of use, but also highlight areas for improvement such as the responsiveness of the in-app customer service and the option to hide the OWealth balance. Some users have reported issues with transfer speeds and UI design in recent updates.
What’s New & Version History
The app's version history indicates frequent updates focused on improved user experience.
App Privacy
The app's privacy practices include the collection of data that may be used to track users across apps and websites. Data linked to user identity includes contact information and identifiers, while data not linked to identity includes financial information, location, contacts, and usage data.
Additional Information
OPay Digital Services Pte.Ltd. is the seller. The app requires iOS 13.0 or later and is compatible with iPhone, iPod touch, Mac (with Apple M1 chip or later), and Apple Vision. The app is rated 13+ due to potential content restrictions managed through in-app controls.
