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Opay Signup and Registration: How to Open an Account with Opay, How To Use Opay App for Payments, Sending and Receiving Money

Opay is a digital bank that allows you to send and receive money in Nigeria with ease. This payment platform is becoming popular in Nigeria due to its fast payment transfers, instant account opening, and other impressive features.

In this article, I will guide you through all the necessary steps to open an Opay account and start using it to send and receive money. You’ll learn how to download the Opay app, sign up for an account, and link your bank account. I’ll also show you how to make payments, send money to other Opay users, and receive funds from anyone, anywhere in Nigeria.

By the end of this guide, you will have all the information you need to become a pro at using Opay for your financial transactions. Whether you’re looking to pay bills, purchase airtime, or send money to friends and family, Opay makes it simple, fast, and secure. So, let’s get started and discover the world of Opay together!

What is Opay?

Opay is a digital payment platform that was launched in 2018 in Nigeria. It is a subsidiary of Opera Software AS, a Norwegian company that is widely known for its web browsers. The platform provides a range of financial services, including money transfers, bill payments, and mobile airtime purchases.

Opay’s goal is to make financial services accessible to everyone in Nigeria, regardless of their location or economic status. The platform has gained a significant following in Nigeria due to its user-friendly interface, quick payment processing times, and high level of security.

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Opay operates primarily through its mobile app, which is available for download on both Android and iOS devices. The app enables users to send and receive money, pay bills, and purchase airtime from their mobile phones. Additionally, Opay has partnered with various merchants across Nigeria to enable users to pay for goods and services using the app.

Opay has continued to expand its services and reach since its launch in Nigeria. The platform has also expanded to other countries in Africa, such as Kenya and South Africa, and plans to expand to other regions in the future.

Features Of Opay

Opay has several features that make it a popular choice for digital payments in Nigeria. Here are some of its key features:

  1. Quick money transfers: With Opay, users can send and receive money to and from any bank account in Nigeria instantly. This is especially useful for individuals who need to send money to family members, friends, or business associates quickly.
  2. Bill payments: Opay allows users to pay for a range of bills, including electricity, water, and cable TV bills. This eliminates the need for users to queue up in banks to pay their bills.
  3. Airtime purchase: Users can purchase airtime for themselves or others on the Opay app. This feature comes in handy when users run out of airtime and do not have immediate access to a physical recharge card.
  4. Merchant payments: Opay has partnered with several merchants in Nigeria to enable users to pay for goods and services using the app. This feature is convenient for users who do not want to carry cash or cards around.
  5. Security: Opay takes the security of its users’ funds seriously. The platform uses top-notch security protocols to ensure that users’ transactions and personal information are safe.
  6. Easy account opening: Users can open an Opay account with ease using their mobile phone number. This eliminates the need for users to visit a bank or fill out a lengthy application form.
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Overall, Opay’s features make it a convenient and reliable platform for digital payments in Nigeria.

Opay Signup and Registration: How To Create An Account With Opay

To open an account with Opay, the first thing you will need to do is to download their app either from Play Store or apple store as the app is available for both Android and IOS users. Furthermore, you will be required to open an account with just the following details. 

  1. Your phone number 
  2. BVN/NIN 

Once you have these two, you are set to become an Opay user. 

Please have it in mind that your phone number is what we served as your account number, and without it, you won’t be able to have a functioning account. 

Moving forward, once you launch the app, you will be required to input your phone number to get started, once you input it, a verification message will be sent to you, please check your sms inbox for the code and verify your number. 

Once this is done, you will be asked to fill in details about yourself, such as your surname, middle name, address, etc. Kindly fill in these details, so your account can be up and running. 

After this stage has been completed, you now have an Opay account, but have it in mind, that without adding your BVN/NIN, you won’t be able to transfer money to other banks aside from Opay.

So ensure you fill in your BVN/NIN by moving to the settings and filling in your required details. 

How To Send Money With Opay

To send money with Opay, launch the app on your device, and click on the send icon on your app.  Input the person’s account number in the requested field. You will as well be asked to select the person’s bank name.

Once you have done this, confirm the person’s name, before punching in the amount you will like to send and click on send.

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Remember you can as well make use of your fingerprint for sending money and making payments.

How To Receive Money With Opay

To receive money with Opay, just give the person your account number which is the same as your mobile number. Opay is highly respected for its instant transfer, which means once the person sends the money, you will be automatically credited.

How To Use Opay For Making Payment

You can as well make use of Opay for your other payment transaction at go, pay bills, and bet. To pay bills, click on the pay bills icon, for betting such as 1x bet just click on the betting icon and you will be able to do all this at a go.


Can I use OPay to send and receive money?

Yes, you can use OPay to send and receive money. OPay is a mobile payment platform that enables you to send and receive money, pay bills, buy airtime, and perform other financial transactions. 

How do I create an OPay account?

You can create an OPay account in three easy steps:

  1. Download the OPay app from the Google Play Store or iOS App Store.
  2. Open the app and click on “Register”.
  3. Follow the prompts to input your personal information and complete the registration process.

Once your account is created, you can start using OPay to make payments, transfer money, and access other financial services.

How do I receive money into my OPay account?

To receive money into your OPay account, you can follow these steps:

  1. Open your OPay app and click on the “Me” tab at the bottom right corner of the screen.
  2. Click on the “My Account” option.
  3. Under the “My Account” section, you will see your OPay account number.
  4. Share your OPay account number with the person who wants to send you money.
  5. The person can send you money by entering your OPay account number as the recipient account number on their own OPay app or by using bank transfer.
  6. Once the money is sent, you will receive a notification from OPay confirming the transaction.

It’s important to note that to receive money into your OPay account, you must have completed your account verification and provided all the required details such as your name, address, and identification documents.

How much can I receive in my OPay account at once?

The amount you can receive in your OPay account at once depends on your account level. For example, if you have a basic account, you can receive up to ₦50,000 at once, while a premium account holder can receive up to ₦1,000,000 at once.

Which bank does OPay use?

OPay is not a bank, but a mobile money platform. However, OPay partners with multiple banks in Nigeria, including Zenith Bank, UBA, Access Bank, and others, to provide banking services such as deposits, withdrawals, and fund transfers to its customers.


In conclusion, Opay is a reliable and secure platform for digital payments in Nigeria. Its features make it an attractive option for individuals who want to send and receive money quickly, pay bills, purchase airtime, and make merchant payments. 

With its easy account opening process and top-notch security protocols, Opay is a convenient and efficient way to manage financial transactions in Nigeria. Whether you are an individual or a business, Opay offers a range of services that can make your financial transactions easier and more convenient.