OPay is one of Nigeria’s leading mobile money services, making it easy to send and receive money, pay bills, and shop securely, all through an app on your Android or iOS device. Why wait in long bank lines when you can access all these services 24/7 directly through your phone? Opening an account only takes a few minutes.
In this article, we will go through how to open an OPay account, we will state the different methods and list out all USSD codes to carry out various transactions on OPay.
About OPay
OPay is a mobile-based platform that offers payments, transfers, loans, savings, and other critical services to everyone. OPay was founded in 2018 and currently has approximately 35 million registered app users 500,000 agents, and 300,000 merchants in Nigeria who utilize OPay’s services to send and receive money, pay bills, and many other things.
OPay Digital Services Limited is a subsidiary of the Opera Norway AS Group, with operations in Asia, Africa, and Latin America, including Mexico, Nigeria, Egypt, and Pakistan.
Benefits of Opening an OPay Account
Opening an OPay account on your phone is easy and provides so many benefits, including;
- It’s free to sign up. No monthly fees or service charges.
- Payments are secure. OPay uses encryption to keep your info and transactions safe.
- You can send and receive money instantly. Funds appear in the recipient’s account right away.
- Pay bills conveniently. Add your utility, cable, or other bills to pay on schedule each month.
- Manage finances on the go. Check balances, pay friends, pay bills, and transfer funds whenever you want.
- Earn cash back. Use OPay to shop and get money back on select purchases at certain stores.
Opening an account with OPay is a smart move. Experience the ease and benefits of managing money on your mobile device.
Requirements to Open an OPay Account
To open an OPay account, you’ll need to meet a few basic requirements:
A Valid ID
You’ll need a government-issued ID like a driver’s license, passport, or national ID card to verify your identity.
A Phone Number
A working phone number is required to open an OPay account. OPay will send an SMS code to your number for account verification.
A Profile Photo
Upload a clear headshot photo of yourself for your OPay profile. The photo must show your full face and cannot contain any filters.
An Email Address
Providing an email address allows OPay to send you important account notifications and security alerts. You can also use your email to recover your username or reset your password if needed.
Other requirements include;
- Your personal information
- Your Bank Verification Number (BVN)
These account opening requirements will offer you access to a tier 1 or tier 2 membership, with a daily transaction limit of 200,000 naira. Furthermore, the app’s holding limit cannot exceed 500,000 naira as your maximum account amount.
If you want to upgrade to a Tier 3 account, which provides an unlimited account balance and a daily transaction limit of 5 million naira, you must provide the following:
- ID number
- Utility bill of not more than 3 months
How To Open OPay Account on Phone (Android & iPhone)
To open an OPay account on your phone, here are the steps:
- Download the OPay app on your Android or iOS device.
- Click “Create a New Account.”
- Enter your mobile number and tap “Send Code.” OPay will send an SMS with a 6-digit verification code.
- Enter the verification code and tap “Submit.”
- Create a password and click “Next”.
- You would be asked to Authenticate your account so they can be sure you are a real person; this can only be done by taking a selfie photo of yourself.
- After that, enter your personal information like name, gender, date of birth, and tap “Continue”.
For security purposes, OPay allows you to set up a PIN or enable biometric authentication such as, fingerprint.
Once your account is set up, you can explore the various services offered by OPay, such as buying airtime, sending and receiving money, paying for goods and services, and more, all from your phone. Navigate through the many sections to become acquainted with the app’s features and functionality.
How To Open An OPay Account Without BVN
To open an OPay account on your phone, follow these simple steps:
- Download the OPay app on your Android or iOS device.
- Click on “Create a New Account”.
- Enter your phone number and tap ‘Send Code.’ OPay will send an SMS with a verification code.
- Input the 6-digit code sent. Complete your profile setup, then create a strong password for logging into your Opay account.
- Create a password and click “Next”.
- You will be asked to authenticate your account so that they know you are a real person, which can only be done by snapping a selfie photo of yourself.
- After that, enter your personal information, like name, gender, and date of birth, and tap “Continue.”
- Skip the part where you’re asked to fill in your BVN by clicking the “Skip for Now” button.
Your account is ready, and you can start making use of the account.
How to Open an OPay Account With a USSD Code
You can simply open an OPay account by dialing a code on your mobile device. Follow these steps:
- Dial *955# on your phone.
- Opay presents a ton of options, but type 1 to register.
- Provide your first name and last name.
- Insert your preferred PIN code for transactions.
- Then, confirm your PIN by typing it again.
Note: A 10 naira one-time fee will be charged to make use of this service.
All OPay USSD Transaction Codes
If you want to access your OPay account via USSD code, here are the quick USSD codes to enable transactions:
| S/N | Quick Payment Requests | USSD Code |
|---|---|---|
| 1 | Transfer to a bank account | *955*2*amount*10-digit account no. |
| 2 | Transfer to an OPay account | *955*1*amount*10-digit account no. |
| 3 | Airtime for Self | *955*3*amount# |
| 4 | Airtime for Others | *955*3*amount*mobile no.# |
| 5 | Data | *955*4*mobile no.# |
| 6 | Betting | *955*5# |
| 7 | Electricity | *955*6# |
| 8 | Check Balance | *955*0# |
| 9 | Get OTP | *955*010# |
| 10 | ATM Card Activation | *955*03121# |
| 11 | If your Phone is Misplaced or Stolen | *955*132# |
How to Contact OPay Customer Service
For any complaints and inquiries, you can. Intact OPay customer care representatives through the following mediums.
Social Media
You can contact OPay via any of their verified social media pages.
- Instagram: https://www.instagram.com/opay.ng/
- Twitter: https://twitter.com/OPay_NG
- Facebook: https://www.facebook.com/Nigeria.OPay
Phone
- Dial 0700 888 8328 or 01 8888328(App & Card queries)
- 0700 888 8329 or 01 8888329(POS Business queries) Available 24/7
- Or Chat with with them on Whatsapp at +2349165998936
Address
Office Locations in Nigeria
Lagos
HQ: Alexander House, Otunba Jobi Fele Way, Ikeja, Lagos, Nigeria.
Customer Service Centers
103 Allen Avenue, Mosesola House, Ikeja.
78B Lagos Road Ikorodu.
4th Avenue A Close, Festac Town, Festac.
Abuja
No 34/36 Okotie Eboh Street Utako District.
Abeokuta, Ogun
Dolly House Opposite Laroy Hotel, Abiola Way
Ibadan, Oyo
Anjola Building Opposite Oando Filling Station, Iyana Cele Bus Stop, Along Sango Road, Mokola.
Osogbo, Osun
Opposite Technical Beside Arowolo Filling Station.
Kaduna
Asd City Mall Katsina Road By Independent Way.
Kano
Amana Plaza, Second Floor beside Shoprite Zoo Road.
Jos, Plateau
Thilda’s Center, Shop 12 Opposite GIG Logistics Dadin Kowa 3rd Gate.
Frequently Asked Questions
Have some questions about using OPay? Here are a few of the common ones:
Is OPay safe to use?
OPay uses industry-standard security protocols to keep your information and transactions safe. However, as with any digital payment method, there are risks of fraud or hacking, so take normal precautions.
Is the OPay app available for download on iOS?
Yes, the OPay app can be downloaded for free on iOS and Android devices.
What is the OPay USSD code?
The OPay USSD code is *955#. You can use it to access OPay services even without data or an app.
Can I use OPay without a bank account?
Yes, you can use OPay without a bank account.
Is OPay approved by the Central Bank of Nigeria (CBN)?
Yes, OPay is approved by the Central Bank of Nigeria (CBN). OPay is a licensed mobile money operator in Nigeria.
Do I have to pay to create an OPay account?
Creating an OPay account is completely free. You don’t have to pay any fees to register an account or perform transactions like transfers, bill payments, and airtime purchases.
Is my phone number my OPay account number?
Yes, your phone number is your Opay account number. Your Opay Account Number is the first ten digits of your phone number minus the first zero.
Conclusion
And there you have it, your very own OPay account set up in just a few minutes. Now you’re all set to send and receive money, pay for goods and services, top up your phone, pay bills, and so much more right from your phone. OPay makes life so convenient that you’ll wonder how you managed without it. What are you waiting for? Start exploring all the awesome features OPay has to offer.