Opay app Review, Features, and Earning Opportunities: Legit or Scam

Opay app is an ePayment fintech platform that allows its users to easily and swiftly carry out transactions at zero charges while giving them cashback as they pay bills or refer their friends.

Opay was launched in 2018 by Olu Akanmu, the same owner of Opera Mini. Opera Mini is the second most used web browser in Africa after Google Chrome. Fortunately, Opay app is licenced by CBN to function as a microfinance bank in Nigeria and has since risen to be among the best digital banks in Nigeria.

Meanwhile, Opay has a plethora of products that make it highly beneficial to Nigerians. However, Opay doesn’t function alone but works alongside other Opera Software Company services like OWealth, OKash, OTrek, OBus, and many more.

However, in case you’re looking for other reliable digital banks like Opay, take a look at our best online banking apps in Nigeria, or looking for cheap smartphones to buy, consider checking out the Top Tecno Phones in 2023.

Features of Opay app

Opay app
Features of Opay

Before moving further into Opay review, we find it thoughtful for you to know the features and products of this digital bank.

Transfer Money: Opay app makes money transfer fast and seamless. You can transfer funds to Opay or your local bank accounts at zero charges.

Airtime Purchase: With Opay, you can easily recharge your phone and earn cashback up to N10 depending on the top-up amount. Fortunately, Opay supports popular Nigerian networks like MTN, GLO, Airtel, and 9Mobile.

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Buy Data: Buying MTN, GLO, Airtel, or 9Mobile data is another exciting feature of this Opay app. You can top-up as low as N50 for 50MB.

Funding of Betting Account: Betting fans can now fund their accounts through Opay app at no extra cost. Popular betting companies like Bet9ja, SportyBet, Bet King, BetWay, 1XBet, etc can be funded through opay at ease.

Pay Electricity Bill: Notwithstanding whether you’re using a Prepaid or Postpaid meter, you can easily pay your utility bill with Opay.

Tv Subscription: Opay lets you enjoy your favourite Tv channels by allowing you to subscribe through its app. You can conveniently subscribe to popular TV providers like DSTv, GoTv, Startimes, StarTimes On, and SHOWMAX.

How to Deposit Money in Opay app

You can add money to your Opay app through;

  1. Bank Transfer
  2. Cash deposit through Opay merchants
  3. Top up with a card or Bank account
  4. Bank USSD
  5. Request money from other Opay users
  6. Through QR code


What’s my Opay account number?

Your Opay app account number is the mobile number you registered with minus the first zero. E.g 812 3456 789

Opay Registration

How to Register on Opay app

Register and open an account on Opay is very easy and can take less than 5 minutes. You can sign up by following the procedure below.

  • Download the Opay app on Play Store or App Store
  • Launch the app to open
  • Put your phone number and verify it with the code sent to you
  • Fill out other necessary details
  • Put this referral code 8160289172 to get an early user bonus
  • Set a 4-digit transaction pin, then you’re good to enjoy the goodness of this app.
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Opay Business app

How to become an Opay Merchant

Opay merchants enjoy certain benefits like 20% to 40% commission on services, up to N5,000,000 loan at low-interest rates, 20% annual interest on savings, and many more. Fortunately, as an Opay merchant, you can easily apply for Opay POS to help in carrying out your business transactions.

To become an Opay merchant;

  • Download Opay Business app on Play Store or App Store
  • Upgrade your Opay account to tier 3
  • Complete your KYC which will require any form of identification (ID card), Utility bill (must not pass three months), Passport photo, and Place of residence.
  • In some cases, Opay might ask for a CAC registration certificate.

In case of any enquiries, you can contact the Opay team through the app or email them at [email protected].

Is Opay app Scam or Legit?

Opay is a fintech company that was created in 2018 and has the same owner as Nigeria’s popular search engine Opera Mini. Opay is legally registered by the Central Bank of Nigeria (CBN) and insured by NDIC as a microfinance bank to provide solutions to Nigeria’s and Africa’s financial problems. So you can see that Opay is a recognised money tender which guarantees the safety of your funds.


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