Opay is a popular e-wallet and fintech platform in Nigeria that allows users to conveniently make payments, send money, and access other financial services directly from their mobile phones. In this detailed guide, I will explain step-by-step how to download the Opay app and get started with using its various features.
When I was first introduced to digital payments a few years ago, the options were quite limited in Nigeria. I mainly relied on cash and occasional bank transfers, which could be tedious and time-consuming. Then in 2018, Opay launched and quickly became one of the leading fintech startups in the country, helping drive financial inclusion.
Opay was founded by Opera Limited, the Norwegian internet company known for developing web browsers like Opera. Its mission is to “bank the unbanked” by bringing affordable digital financial services to Nigerians, many of whom are still unbanked or underbanked. Today, the Opay app boasts over 10 million users across Nigeria and supports services like bill payments, airtime purchase, funds transfer, merchant payments, savings, and more.
How to Download the Opay App
If you want to download the OPAY official app, here are the steps to download the official Opay app on both Android and iOS devices
For Android Devices
1. Open the Google Play Store app on your Android device.
2. Search for “Opay” in the search bar at the top of the screen.
3. Locate the Opay app listing with the orange icon.
4. Tap the “Install” button to begin downloading the app.
5. Once installed, tap “Open” to launch the app for the first time.
For iOS Devices
1. Open the Apple App Store app on your iOS device.
2. Tap the search icon in the bottom right and enter “Opay” in the search field.
3. Locate the Opay app listing with the orange icon.
4. Tap the cloud icon below the app name to begin downloading.
5. After installing, locate the Opay app on your home screen and tap to open.
The download size is around 30MB, so it should only take a few minutes over a stable Internet connection. Be sure to have enough storage space available on your device before downloading.
How to Create Your Opay Account
Once the app opens for the first time, you’ll need to create an Opay account to start using the platform. Here are the account creation steps:
- Enter your full name, phone number, and select a strong password for your account.
- You’ll receive an SMS with a 6-digit code. Enter the code in the Opay app to verify your number.
- For identity verification, take a clear selfie holding your valid government ID (driver’s license, international passport, or national ID card). The photo will be reviewed.
- Provide additional details from your ID like passport number, issue date, expiration date, etc.
- Review and accept Opay’s terms and conditions.
Within moments, your new Opay account will be created and ready to use once verification is successful. Be sure to keep your login details safe.
How to Fund Your Your Opay Wallet
Now that your account is set up, it’s time to fund it so you can start making transactions. Here are a few methods to deposit money into your Opay wallet:
Bank Transfer
On the app’s home page, locate the “Fund Wallet” option. Select your bank, input the transfer amount, and your wallet will reflect the funds within minutes. Supported banks include GTBank, Access Bank, Zenith Bank, and more.
Cash Deposit
Visit any designated bank branch counter and deposit cash. Notify the customer service agent the funds are for your Opay wallet linked to your phone number. The amount will reflect in some seconds.
Airtime Transfer
Top up your wallet by transferring airtime balance from MTN, Glo, 9mobile, or Airtel. The airtime cash value will be added to your wallet instantly.
Conclusion
In conclusion As you can see, downloading and setting up the Opay app is quite straightforward for both Android and iOS devices. With a few simple steps, you’ll be able to turn your mobile device into a complete digital wallet capable of everything from sending and receiving funds to paying bills, buying airtime and so much more.
The Opay interface is also well-designed and intuitive to navigate between features. Whether you’re looking for an alternative to cash or just want more convenient options for your finances, Opay without a doubt offers unprecedented access and control right in your hands. I’d strongly recommend giving it a try.
FAQs
Can I open an OPay account without NIN?
No, you cannot open an OPay account without a National Identification Number (NIN). According to OPay’s Director of Partnerships, Ikponmwosa Odiase, NIN is now a mandatory requirement for all new accounts opening. This is in line with the Central Bank of Nigeria’s (CBN) directives to strengthen Know-Your-Customer (KYC) practices in the financial system.
Does OPay have a BVN number?
Yes, OPay has a Bank Verification Number (BVN). According to the sources, OPay users can check their BVN by dialing *565*0# on their registered phone number, which costs 20 naira and requires a minimum balance of 20 naira.
