WHAT IS OPAY?

 

Unlike traditional banks, the introduction of a fast and free online banking system like Opay has made it the most sought-after bank app. Opay covers a wide range of services and benefits, which has not only brought users to the app but kept them using it frequently.

This article will not only show you how to open an Opay account but also give you an incredible banking experience.

What is Opay?


Opay (Opera Payment) is one of the fintech banking apps currently operating in Nigeria, whose primary functionality is providing seamless transactions. Their other business sectors cover food deliveries, ride-hailing, and offering loans.

Their mobile banking system is one you can use to send and receive money, invest your money, purchase airtime and data, and pay utility bills.

Opay Account Opening Requirements

There are four basic things you must have handy while opening an Opay account.

  • Your Opay app was downloaded from the Google Play Store or Apple App Store.
  • Your email address and other personal information
  • Your Bank Verification Number (BVN)
  • Ready to take a selfie?

These account opening requirements will grant you access to a tier 1 or tier 2 membership, which allows a maximum of 200,000 NGN as your daily transaction limit. Also, your holding limit on the app cannot exceed 500,000 NGN as your maximum account balance.

If you want to upgrade to a Tier 3 account, which allows an unlimited account balance and a 5 million naira transaction limit daily, This particular upgrade will require the provision of the following:

  • ID number
  • Utility bill of not more than 3 months

How to Open an Opay Account on a Phone (Android and iPhone)



When you want to open an Opay account, you can either download the app directly from the Google Play Store or Apple Play Store or through the referral link of an already-existing user. This guide will show you how.

Fill in Your Personal Information

Opay will require that you fill in some important details during signup to make them know you better and, most importantly, create a personalized banking experience for you. This includes your name, phone number, email address, transaction pin, and passcode for logging in.

Get Your Account Verified

The verification process is the usual one, where a passcode is sent to the number you indicated to be yours while filling in your personal information while opening your Opay account. This is how they confirm you have direct access to the digits, which automatically become your bank account number on Opay.

Set Up Your Wallet

Certain transactions you’ll be making on your Opay account will require a lot more than just your four-digit pin. Setting up your wallet after opening your Opay account will require a 6-digit pin to authorize those kinds of transactions.

Fund Your Account

This step also comes with a cash-back bonus of 1,200 NGN when you fund your account immediately after signing up. You simply send money from your local bank to your Opay wallet or link the two accounts together.

Start Using Your Opay Account

When your Opay account is opened and successfully funded, you can start making transactions on the app.


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