OPay ｜ Money Moves Fast on OPay (Mock Project)

Built for Speed, Reliability, & Zero Stress

Experience Nigeria's most trusted digital banking app with 100% success rate on transfers and unbeatable rewards.

Easy Account Opening

Instant account opening with amazing welcome bonuses.

2 Minutes Sign-up

Instant Transfer

Instant transfer with 100% successful rate to all banks in Nigeria anytime.

100% Success Rate

Airtime/Data Top-up with Cashback

Up to 6% instant cashback on airtime/data top-up every time.

Up to 6% Cashback

Instant and Free Debit Card

Apply and get a card instantly at select OPay agents or apply via the OPay App. Enjoy 10 free ATM withdrawals monthly and zero maintenance fee.

10 Free Monthly ATM Withdrawals

OWealth with amazing daily interest

OWealth use as balance with amazing daily interest.

Daily Returns & Full Liquidity

Quick Customer Service

7*24 accessible and quick resolution via online and phone support.

24/7 Dedicated Assistance

Our Services

Everything you need to move, save, grow, and manage your money with complete peace of mind.

Instant Free Transfers

Move money

Send money instantly — Free transfers to any bank. No delays, no stories.

Zero transfer fees to all commercial and microfinance banks
99.99% real-time transaction completion under 3 seconds
Smart payment tracking with instant SMS & in-app receipts

Transfer to Any Bank ₦0 Fee

Recipient

Ibrahim Mohammed • Access Bank

₦120,000.00

Delivered Instantly Session ID: 994821034

Bills & Airtime Top-up

Pay for everyday life

Electricity, cable TV, airtime, data, with cashback on every top-up.

Pay IKEDC, EKEDC, AEDC, IBEDC & other DISCOs with zero convenience fee
Instant renewal for DSTV, GOtv, Showmax, and StarTimes
Earn up to 6% instant cashback on MTN, Airtel, Glo & 9mobile

Everyday Bill Pay Cashback Applied

Cable TV

Power

Data

Cashback Earned: ₦8,450.00

High Yield Wealth Savings

Grow your money

OWealth: earn daily interest while keeping full access. Up to 18% p.a.

Daily interest payouts credited straight into your wallet balance
Withdraw, spend, or transfer anytime without penalty or losing interest
Powered by OPay Microfinance Bank Limited & NDIC insured

OWealth Balance 18% Per Annum

₦2,500,000.00

Daily Interest Paid: +₦1,232.88 / day

Annual Projected Return: ₦450,000.00

No lock-in period. Spend your money anytime.

Agent Network & Offline USSD

Get cash when you need it

Access your money anywhere; 2M+ agents nationwide. Works without internet via USSD.

Over 2,000,000 verified agent points in all 36 states + FCT
Dial *955# on any mobile phone without data connection
10 free ATM withdrawals every single month with the OPay debit card

OPay Agent & USSD Network 2M+ Agents

                  *955#
                

Send money, pay bills, buy airtime, and check balance without data connection.

MTN Airtel Glo 9mobile

Merchant & Business Banking

Run your business

Free POS terminal. Accept payments. Settle same day.

Free smart POS hardware with 4G SIM & long-lasting battery
Accept Mastercard, Visa, Verve cards, Transfer & QR payments
Instant same-day settlement into your OPay Merchant business account

OPay Merchant POS Instant Settlement

Today's Store Sales: ● Online

₦842,900.00

Total Transactions: 148 Success Rate: 100%

Here is what our customers think

Watch real Nigerian users share their honest experiences with OPay transfers, customer care, and business growth.

Video Interview

Mr Malik (Customer) Watch

"OPay makes banking very easy for me; transfer of funds & transactions are seamless; I give OPay a solid 10/10."

Mr Malik

Verified Customer

Video Interview

Mrs Benson (Merchant) Watch

"I Love OPay! the network is very good...up to 100% network uptime and super fast & their customer service is quick, fast and efficient, complaints are resolved quickly."

Mrs Benson

Business Owner

Video Interview

Mummy Habeeb (Trader) Watch

"OPay has been giving me joy since 2020! Ah, within one to two seconds, you will surely see the money transferred to you!"

Mummy Habeeb

Retail Trader

Video Interview

Mr Qudus Adebayo Watch

"I feel very satisfied with OPay's service, I've been using OPay for over 4 years and will definitely recommend OPay to my family & friends."

Mr Qudus Adebayo

Software Engineer

Video Interview

Mr Ogbonna Watch

"To be sincere, I'm very happy with OPay, my money has never hanged before.. All my doubts and rumours heard about OPay being not secure are cleared now!"

Mr Ogbonna

Merchant Partner

Video Interview

Mr Oyebadejo Watch

"I wrongly sent money to an account, but OPay resolved the issue for me in 15 to 30 minutes, I am very happy & comfortable that the issue was addressed so swiftly!"

Mr Oyebadejo

OPay User

Your Security and Privacy are our priority

We use bank-grade security protocols, encryption algorithms, and proactive monitoring to ensure your funds and identity remain 100% secure.

Advanced Fraud Protection

Your data is safely stored and encrypted using industry-standard technology. We scan our systems daily to protect against security threats.

Secure Transactions

We are fully PCI DSS compliant. Your transactions are always encrypted and secure with biometric authorization & tokenized security keys.

Instant Account Locking

Quickly dial *955*131# or *955*132# to lock your account or card if your phone is stolen or misplaced.

Institutional Security

256-bit SSL Data Encryption & Anti-Fraud Engines

PCI DSS Certified

Global Security Standard

CBN Licensed

Central Bank of Nigeria

NDIC Insured

Deposits Protected by Law

Biometric Safe

FaceID & 2FA Protected

Customer Satisfaction, Our Priority

We are here to provide 24/7 quick customer service. Visit our in-app customer service center or physical customer service center, send us a message via official social media, or call us via the hotline below:

0700 8888 328 OR 020 18888 328

App & Card Queries (Tap to Call 24/7 Toll-Free)

0700 8888 329 OR 020 18888 329

POS & Business Queries (Dedicated Agent Desk)

Money moves fast on OPay

Built for Speed, Reliability, & Zero Stress

Easy Account Opening

Instant Transfer

Airtime/Data Top-up with Cashback

Instant and Free Debit Card

OWealth with amazing daily interest

Quick Customer Service

Our Services

Move money

Pay for everyday life

Grow your money

Get cash when you need it

Run your business

Use your phone camera to scan and download the OPay app.

Scan to Install

Here is what our customers think

Your Security and Privacy are our priority

Advanced Fraud Protection

Secure Transactions

Instant Account Locking

Institutional Security

PCI DSS Certified

CBN Licensed

NDIC Insured

Biometric Safe

Customer Satisfaction, Our Priority

0700 8888 328 OR 020 18888 328

0700 8888 329 OR 020 18888 329