OPay
Mobile payments, transfers, bills, savings and cards in one app.
At a glance
- Editor scoreNot yet scored
- PricingFree plan
- Best forNigerian transfers with bills and financial extras
- Free planYes
- Paid fromNone
- Founded2018 · Lagos, Nigeria
- Facts checked20 Sep 2026
Where it wins
- Free instant transfers by phone number or bank account
- Bills, airtime and mobile-data top-ups in one app
- Savings products, physical cards and virtual cards
Where it doesn't
- Its feature breadth may exceed the needs of transfer-only users
- Designed around Nigerian accounts, banks and mobile networks
- International person-to-person transfers are outside its stated focus
Our verdict on OPay
OPay is a Nigeria-focused mobile financial services app for individuals who want payments and everyday money tools in one place. It supports instant sending and receiving through phone numbers or bank accounts, including transfers to people who do not use OPay. Beyond peer-to-peer payments, the app covers electricity, TV, water and internet bills, airtime and mobile-data top-ups, savings products with daily interest, and physical and virtual debit cards. It is available on iOS and Android.
OPay uses a free pricing model and offers a free plan. Its ecosystem fit is centered on Nigerian financial services: users can connect Nigerian bank accounts and use mobile-network services from MTN, Airtel, Glo and 9Mobile. That combination makes the app suited to people who want transfers alongside household payments and mobile top-ups, rather than a narrowly focused payment tool. The published features also include payment requests and instant transfers, supporting both sending money and collecting it.
Security controls include biometric login, card locking and transaction notifications, while customer support is available through in-app chat and phone channels. The main trade-off is focus: OPay is built around Nigerian transfers and related financial services, so users seeking a broader international person-to-person payment app should consider a different category fit. Choose OPay if you need a free mobile wallet for Nigerian transfers, bills, top-ups and savings. Choose an alternative if your priority is only simple peer payments or a service centered on international personal transfers.
OPay pricing
OPay fact sheet
| Free plan | Yes |
|---|---|
| Paid from | None |
| Split payments | Not verified |
| Payment requests | Yes |
| Instant transfer | Yes |
| International transfers | Not verified |
| Daily send limit | Not verified |
| Cash-out fee model | Not verified |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Compliance & security | PCI DSS |
| Support | Live chat, Phone · 24/7 |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 5 integrations: Nigerian bank accounts, MTN, Airtel, Glo, 9Mobile |
| Pricing | Free plan |
| Website | opayweb.com |
| Facts checked | 20 Sep 2026 |
OPay integrations
OPay lists 5 integrations on its own site.
- Nigerian bank accounts
- MTN
- Airtel
- Glo
- 9Mobile
Alternatives to OPay
- PhonePeA free India-focused app for everyday UPI transfers, QR payments, bills, and recharges.—
- BHIMA free UPI app covering everyday transfers, bills, QR payments and more.—
- VenmoA flexible wallet for peer payments, group expenses, scheduled requests, and cash-outs.—
Used OPay? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used OPay for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
OPay is listed in our Peer-to-Peer Payment Apps directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/opay/"><img src="https://www.itechguides.com/best/badge/opay.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. It never changes a score or a verdict. How we rank.