OPay-Beyond Banking App Icon

OPay-Beyond Banking

Finance • OPay Digital Services Pte.Ltd.
12+ v8.8.0 Recorded price: Free App Store →
★★★★★
★★★★★
(87,543 App Store ratings)
🏆 Best: #1 Free (NGA)
⚙ Built with React Native analyzed v8.8.0
IPA Analysis
Technical Specs
Bundle ID com.opay.pay
Version 8.8.0
App Store Size 104.59 MB
Minimum iOS 13.4
Devices iPhone, iPad, iPod touch
Catalog release date 2019-06-22
Latest recorded version date 2026-05-19
Features & Support
Vision Pro
Advisory 12+
Infrequent/Mild Simulated Gambling
Languages (1)
English
Top In App Purchases
No In App Purchases Listed

Preview

OPay-Beyond Banking screenshot 1 OPay-Beyond Banking screenshot 2 OPay-Beyond Banking screenshot 3 OPay-Beyond Banking screenshot 4 OPay-Beyond Banking screenshot 5 OPay-Beyond Banking screenshot 6 OPay-Beyond Banking screenshot 7 OPay-Beyond Banking screenshot 8 OPay-Beyond Banking screenshot 9 OPay-Beyond Banking screenshot 10 OPay-Beyond Banking screenshot 11 OPay-Beyond Banking screenshot 12 OPay-Beyond Banking screenshot 13 OPay-Beyond Banking screenshot 14 OPay-Beyond Banking screenshot 15 OPay-Beyond Banking screenshot 16 OPay-Beyond Banking screenshot 17 OPay-Beyond Banking screenshot 18 OPay-Beyond Banking screenshot 19 OPay-Beyond Banking screenshot 20 OPay-Beyond Banking screenshot 21

Description

OPay is Nigeria's trusted financial services platform, offering secure, fast, reliable, and affordable solutions for all payment needs. With OPay, you can: • Send and receive money instantly with seamless transfers and a 100% success rate. • Pay bills and top-up airtime & data with exclusive bonuses. • Grow your savings easily with daily interest on your balance. • Enjoy hassle-free debit cards at zero charges. • Access flexible loans with low interest rates. Unlock convenience, savings, and rewards—all in one app. Invite friends and earn instant cashback for each referral. Open your OPay account today and experience financial freedom. HASSLE-FREE AND INSTANT TRANSFERS ● Say goodbye to transaction failures & network issues. Enjoy super-fast and successful transactions. ● Send money using a phone number or bank account to others, including non-OPay users. ● Powered by all Nigerian banks: Access Bank, Zenith Bank, GT Bank, UBA Bank, Ecobank Nigeria, First Bank of Nigeria etc., ensuring a seamless and secure banking experience for all our users. ● Keep track of every transfer. Easily find transaction details in your "Transaction History." BEST AIRTIME/DATA DEALS & EASY BILL PAYMENTS ● Get top airtime and data offers on MTN, Airtel, Glo, and 9Mobile. ● Pay electricity, TV, water bills, internet services and more with ease. ● Earn up to 6% cashback on airtime and data purchases. OPay DEBIT CARD ● Secure & Reliable: Chip & PIN technology with industry-leading multi-level risk prevention. ● Convenience: Apply via the OPay app with nationwide delivery options or visit any OPay agent store. ● Wide Acceptance: Accepted across POS/ATM/WEB in Nigeria and international merchants like Microsoft, Netflix, AliExpress, Uber, Spotify and Emirates. ● User-Friendly Management: Change PINs, set limits, block/unblock cards, and access card details in-app. ● Virtual Card Option: For secure online payments, get a virtual card instantly via the app. GROW AND SAVE MORE MONEY (Powered by OPay Microfinance Bank) ● OWealth: Earn daily interest, with free deposits and withdrawals anytime. ● Spend & Save: Save a percentage of your spending and earn daily returns. ● Fixed Savings: Lock idle funds for at least 7 days to earn higher returns. ● Target Saving: Save towards specific goals with daily, weekly, or monthly plans. ● SafeBox: Start a strict savings plan with limited withdrawals and monthly interest. SECURE AND PRIVATE ● Advanced features like biometric login, card locking, and encryption for all transactions. ● Block your account or card via USSD (955*131# or 955*132#). ● NightGuard security feature: Extra facial verification feature to authorise transactions during the chosen night time hours. ● Large Transaction Shield feature: Extra facial verification feature for transactions above your pre-set limit. ● Real-time notifications for account activity. ● Private Mode to hide your balance. ● Licensed by the CBN and insured by the NDIC. OPay is licensed by Central Bank of Nigeria (CBN, https://www.cbn.gov.ng/PaymentsSystem/PSPs.html), and insured by Nigeria Deposit Insurance Corporation (NDIC, https://ndic.gov.ng/list-of-insured-institutions/list-of-mobile-money-operators/). CONTACT US Our support team is available 24/7 for all your complaints. OPay Headquarters: Alexander House, Plot 9, Dr. Nurudeen Olowopopo Avenue, Alausa, Lagos Helplines: 0700 8888328 or 020 18888 328 Website: www.opayweb.com Whatsapp: +234 9165998936 Facebook: @OPay Twitter: @OPay_NG Instagram: @opay.ng TikTok: @opaynigeria YouTube: @opaynigeria LinkedIn: OPay

What's New

Version 8.8.0 2026-05-19
Improved user experience
Version 8.7.0 2026-04-28
Improved user experience
Version 8.6.1 2026-04-22
Improved user experience
Version 8.1.0 2026-01-23
Improved user experience

App Store User Reviews

D’Brown a.k.a Mr Oya 2024-11-15
★★★★★
★★★★★

#Emi Kanni K’emi Ja E Ni

#Emi Kanni K’emi Ja E Ni~ I recently opened an account with Opay, and I must say, it has completely transformed my banking experience! As someone who values e...#Emi Kanni K’emi Ja E Ni~ I recently opened an account with Opay, and I must say, it has completely transformed my banking experience! As someone who values efficiency, I was thrilled to discover that this bank offers the fastest online banking services I’ve ever encountered in Nigeria. From the moment I registered, the process was seamless and user-friendly. The online platform is intuitive, making it easy to navigate through various features. Whether I’m transferring funds, paying bills, or checking my balance, everything is done in a matter of seconds! One of the standout features is their customer service. I had a minor issue with my account, and I reached out to their support team. To my surprise, they responded promptly and resolved my issue within minutes! This level of service is rare and shows that Opay genuinely cares about its customers. I truly believe that Opay is here to stay and will continue to innovate in the banking sector. #Emi Kanni K’emi Ja E Ni~ If you’re looking for a reliable and efficient banking solution, I highly recommend giving them a try. They are definitely a bank that is built for the future! Signed ~Mr Ebenezer G Onabanjo D’Brown a.k.a Mr Oya
facebook girl$ 2024-02-20
★★★★★
★★★★★

Excellent App But needs more improvement

I’d update the star rating and review itself once it has been taken into consideration. The app has wonderful features with a good Ui designs, fast and easy for...I’d update the star rating and review itself once it has been taken into consideration. The app has wonderful features with a good Ui designs, fast and easy for transactions to other banks and more. OPay is one of my best banks actually but it still need more improvements. The in-app customer service chat is still sluggish I might just need to make a little enquiry about a transaction and won’t have to make a phone call. Secondly I think the Owealth feature needs to have an option wether we’d like to make our balance visible to our wallet balance or not and lastly kindly provide the service for purchasing evoucher on the mobile app as this bank is far better than not having this feature on its app and we won’t have to face petty problems from some banks which I wouldn’t like to mention their names :/ thanks.
Starkay😎 2026-03-06
★★★★★
★★★★★

OPay Fixed savings features

I could have given it 5 star but to my opinion, my point of view, the features when one make the decisions on locking the savings (this not been able to withdra...I could have given it 5 star but to my opinion, my point of view, the features when one make the decisions on locking the savings (this not been able to withdraw until due date) it shouldn’t be able to be liquidated, if they habe the doubt that they might still need it they should not bother locking it but to save it instead, now there no different between the one I locked and the one I don’t locked, I can just withdraw my money anytime even including the reasons why I locked it in the first place, please do something about it and if they can’t do anything about it I will like to make a request on my personal account should not be able to be liquidated once I locked it, thank you and have not been able to talk to the customer service cos of network that’s why i came here please do something, thank you
jasmine@45 2024-05-16
★★★★★
★★★★★

Opay is cool

I think the customer service should be more faster than it has been , secondly they should improve more on sending just like kud* , if transaction doesn’t go th...I think the customer service should be more faster than it has been , secondly they should improve more on sending just like kud* , if transaction doesn’t go through on kud* it won’t say done and if it shows done it’s done unlike Opay ,Opay will say pending or something is wrong or tell you failed and later they will debit you and this happened to me when I traveled to Lagos and I got debit and it was late already when I got the notification I was already in Warri and can’t go back to the spot I felt bad losing my money and not knowing when I will visit Lagos again , I love Opay and I want you guys to work on it 🙏🙏🙏✍️Jay batima is the name
6ixtory6ix 2024-02-14
★★★★★
★★★★★

PLEASE RETURN THE FIXED DEPOSIT TO HOW IT WAS.

Opay have my heart from the day I started using Opay... Personally I know I have convinced upto 30 businesses in my area to get an Opay account because its easy...Opay have my heart from the day I started using Opay... Personally I know I have convinced upto 30 businesses in my area to get an Opay account because its easy to transfer.. Plus many other personal users. As of yesterday 13th of Feb 2024 I helped someone who has lost hope in using Opay because he couldn't verify it. I love using Opay so much. That I don't know when I just start to introduce it to people. It's just inside me... However I may stop using Opay services soonest, because my personal reasons for joining Opay back in November 2022 was because I needed a place I could keep my money safe that even myself will not be able to withdraw the money until the set date which is why I started using Opay fixed deposit. It helped me last year saved my house rent, which I fully know that if I keep that money where I will have access to it I will definitely put my mind there and I'll end up spending the money. Opay fixed deposit has a rule which is once you lock your money you will not be able to withdraw it until the day you set. But now there's a fee attach if you want to break the fixed deposit. That has make my money vulnerable to me. That has discouraged me from saving. As at February 2023 I know how much I have saved so far towards my rent but this year once I put the money there. My mind will not leave there again instead of hustling for another I'll end up spending from there until the money is finished. Please I'm not the only one that this has affected. Few of my friends who have money management issues like us are finding it difficult to save as well Do something about this.😖 😖 😖 😖 If I say lock my fund till December let it be locked. That's what we want 🤦‍♂️🤦‍♂️🤦‍♂️🙏🙏🙏🙏🙏🙏🙏🙏
emeraldreal 2022-06-12
★★★★★
★★★★★

Transfer now difficult

This June update make transfer slower. I see the transfer page UI was redesign. But it make transfer slower in a page. i have to wait for a name to be updated ...This June update make transfer slower. I see the transfer page UI was redesign. But it make transfer slower in a page. i have to wait for a name to be updated after i paste account, if i didn’t wait and jump to amount, I will still get distracted when name was updated for the account and the tab will shift down a bit. after a transfer is completed and I press Done, the transfer page we be come back with already fill previous transfer details, if i edit with new transfer details, I will run to an error, in other to do another transfer i have to goto home and restart again, it not like this in previous version. this two problem does not persist in previous update.
dohwo 2025-09-15
★★★★★
★★★★★

Best ever banking app in the world

I have been owing them loan of about 300k they call me always to encourage me to not panic and have rest of mind that sometimes life goes up and down, they tell...I have been owing them loan of about 300k they call me always to encourage me to not panic and have rest of mind that sometimes life goes up and down, they tell me when I have I should pay it up and I shouldn’t be scared of making use of my opay account that they won’t deduct any money from my account till I i have enough and willing pay up myself, and they were very polite to me, I we surprised immediately i received my salary I paid it all up immediately because it will be sad to have bad debts record with a understanding banking system like opay. Thank God we have opay to help us in time of need🥰
Imi sing 2025-01-05
★★★★★
★★★★★

Design a Dark Logo for Dark Mode!

Opay, your app is fantastic, and the introduction of dark mode was a great move! 🌙 However, the bright green logo feels out of place against the sleek, dark int...Opay, your app is fantastic, and the introduction of dark mode was a great move! 🌙 However, the bright green logo feels out of place against the sleek, dark interface. A darker logo option would make the overall design more cohesive and easier on the eyes, especially at night. Many apps have adopted this design approach to enhance the user experience, and we’d love to see Opay do the same. A dark logo for dark mode would elevate the app’s aesthetic and show attention to detail that users truly appreciate. Looking forward to this update—keep up the great work!
Ladyshine001 2024-12-25
★★★★★
★★★★★

A complaint

This app use to be a wonderful online banking service not until the issue of debiting #50 from people’s accounts. This charge was supposed to be for a transfer ...This app use to be a wonderful online banking service not until the issue of debiting #50 from people’s accounts. This charge was supposed to be for a transfer of #10,000 and above, but I got debited without even doing any transaction. It’s really annoying. just yesterday I got debited without doing any transaction. I have a complete round number in my accounts but it got pieces just for charges of #50 meanwhile, I didn’t do any transaction yesterday. This is really annoying because I lose #50 for a transaction I never did. Please, this needs to be looked into. I’m not the only one complaining people are also complaining. I can’t rate this app until this problem is being fixed, else I will be forced to withdraw all my money, delete the app and get a better banking app . Just work on this, until then , AM NOT RATING IT.
geehacks 2026-01-09
★★★★★
★★★★★

Whyyyy???

Why did you guys have to spoil the last page that says “successful” or “pending” then with the amount but this time, the amount size is smaller and more importa...Why did you guys have to spoil the last page that says “successful” or “pending” then with the amount but this time, the amount size is smaller and more importantly, WITHOUT THE ESSENTIAL COMMA. The presence of the comma goes a long way, like a confirmation or affirmation that the amount was still the same amount I wanted to send but without it, someone like me with sight issues, has to bring the phone very close to the eyes and start counting how many zeros dey the amount to be sure… I thought this update fixed it already but seems like you guys didn’t even notice it. Please bring back the comma and a larger size of the amount font. Tainks! ✌🏽✌🏽

Technical Analysis

Package Overview Basic metadata
Bundle ID com.opay.pay
Current Version 8.8.0
Minimum iOS 13.4
Package Size App Store Size
Package Metadata 1 / 236 version records
Detailed binary, privacy manifest, framework, and Info.plist results have not been indexed for this package yet. The verified App Store and archive metadata above remains available.

More by OPay Digital Services Pte.Ltd.

Developer Information

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Known Version Records

1 version record with stored package metadata • 236 known version records

Stored metadata does not guarantee a package is currently available to download.

Details Version / IDs Version date Action
OPay-Beyond Banking icon
Not archived 		App Store ID: 891324597 Unknown Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 891001995 Unknown Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 890737332 Unknown Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 890369610 Unknown Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 889758932 Unknown Request Version
OPay-Beyond Banking icon
Not archived 		v8.8.0
App Store ID: 887768899Build: 8.8.0 		2026-05-19 16:22:53 Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 887672535 Unknown Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 885956531 Unknown Request Version
OPay-Beyond Banking icon
78.89 MB 		v8.8.0
App Store ID: 885425651Build: 8390667 		2026-05-15 10:40:28 Get Version
OPay-Beyond Banking icon
Not archived 		v8.7.0
App Store ID: 885015016Build: 8.7.0 		2026-04-28 20:33:05 Request Version
OPay-Beyond Banking icon
Not archived 		v8.6.1
App Store ID: 884796653Build: 8.6.1 		2026-04-22 23:18:20 Request Version
OPay-Beyond Banking icon
Not archived 		v8.6.0
App Store ID: 884756624Build: 8.6.0 		2026-04-22 02:43:10 Request Version
OPay-Beyond Banking icon
Not archived 		v8.5.0
App Store ID: 884325719Build: 8.5.0 		2026-04-10 04:18:46 Request Version
OPay-Beyond Banking icon
Not archived 		v8.4.0
App Store ID: 883829356Build: 8.4.0 		2026-03-30 04:48:22 Request Version
OPay-Beyond Banking icon
Not archived 		v8.3.1
App Store ID: 883080664Build: 8.3.1 		2026-03-06 22:11:35 Request Version
OPay-Beyond Banking icon
Not archived 		v8.3.0
App Store ID: 883039537Build: 8.3.0 		2026-03-05 22:17:30 Request Version
OPay-Beyond Banking icon
Not archived 		v8.2.0
App Store ID: 882190270Build: 8.2.0 		2026-02-09 23:26:13 Request Version
OPay-Beyond Banking icon
Not archived 		v8.1.0
App Store ID: 881732467Build: 8.1.0 		2026-01-23 01:55:57 Request Version
OPay-Beyond Banking icon
Not archived 		v8.0.0
App Store ID: 881308996Build: 8.0.0 		2026-01-08 23:36:51 Request Version
OPay-Beyond Banking icon
Not archived 		v7.43.0
App Store ID: 880513226Build: 7.43.0 		2026-01-02 01:41:37 Request Version
OPay-Beyond Banking icon
Not archived 		v7.42.0
App Store ID: 880334376Build: 7.42.0 		2025-12-04 20:38:33 Request Version
OPay-Beyond Banking icon
Not archived 		v7.41.1
App Store ID: 879768017Build: 7.41.1 		2025-11-15 00:56:38 Request Version
OPay-Beyond Banking icon
Not archived 		v7.41.0
App Store ID: 879666277Build: 7.41.0 		2025-11-14 02:38:11 Request Version
OPay-Beyond Banking icon
Not archived 		v7.40.0
App Store ID: 879177483Build: 7.40.0 		2025-10-24 09:46:14 Request Version
OPay-Beyond Banking icon
Not archived 		v7.39.1
App Store ID: 878792680Build: 7.39.1 		2025-10-10 14:29:15 Request Version
OPay-Beyond Banking icon
Not archived 		v7.39.0
App Store ID: 877926875Build: 7.39.0 		2025-09-29 18:15:25 Request Version
OPay-Beyond Banking icon
Not archived 		v7.38.0
App Store ID: 877836165Build: 7.38.0 		2025-09-05 23:40:52 Request Version
OPay-Beyond Banking icon
Not archived 		v7.37.0
App Store ID: 877652598Build: 7.37.0 		2025-08-29 07:39:36 Request Version
OPay-Beyond Banking icon
Not archived 		v7.36.1
App Store ID: 877271786Build: 7.36.1 		2025-08-15 13:47:00 Request Version
OPay-Beyond Banking icon
Not archived 		v7.36.0
App Store ID: 877107492Build: 7.36.0 		2025-08-14 23:54:17 Request Version
OPay-Beyond Banking icon
Not archived 		v7.35.0
App Store ID: 876855119Build: 7.35.0 		2025-08-08 22:55:12 Request Version
OPay-Beyond Banking icon
Not archived 		v7.34.1
App Store ID: 876753787Build: 7.34.1 		2025-07-29 09:35:40 Request Version
OPay-Beyond Banking icon
Not archived 		v7.34.0
App Store ID: 876364360Build: 7.34.0 		2025-07-27 15:47:56 Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 876186866 Unknown Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 875741903 Unknown Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 875197029 Unknown Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 874613975 Unknown Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 874414121 Unknown Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 874377356 Unknown Request Version
OPay-Beyond Banking icon
Not archived 		App Store ID: 874210327 Unknown Request Version