{"game_intel_data":{},"featured_reviews":[{"content":"Reading all these reviews and seeing people talking about OPay is the worst. If you feel OPay is the worst, try PalmPay. You would definitely run back to Opay. I borrowed money from Flexi and Easemoni on the day so the overdue payment for the both were also on the same day which was on the 28th of April. OPay never for once Called to harass or insult or threaten me to pay up my loan. But guess who called, PALMPAY. My first time borrowing money from the two apps and PALMPAY wants to land me into depression. I got messages from random number threatening me for just not paying after the second day of overdue. And even after paying off the loan yesterday, I only received a message from OPay confirming my payment which has been paid off. OPay has the best Customer service….","version":"7.30.2","date":"2025-05-01T00:00:00Z","rating":5,"app_id":1463776084,"username":"DERRACHI","title":"OPay is the best!!!","country":"NG","tags":["service","monetization"],"review_id":12606978476},{"content":"I had an issue of upgrading to tier 3, which I have uploaded all necessary ID and NEPA bill which was required. At first I mistakenly transferred cash that was meant for my DSTV subscription since then my cash got trapped, I can’t do the subscription due to tier 3 upgrade. I have called customer line in multiple times I was only attended to twice. Each time I call, customer care are always busy, I have sent several messages to Twitter and mail no one has responded. Two person that attended to me on different occasions promised it will be resolved, in fact the last guy whom i spoke with told me categorically that for it to be more faster that I should attached the ID and the NEPA bill as email, is five days now nothing has happened, my cash is still trapped there, opay has prevented me from my DSTV subscription, and I don’t known if the apex bank granted the license to operate in this manner. I am going to escalate my expense by escalating this to the Apex bank and if they fail to attend to me, I will visit their office if at all they have office in the first place, probably that’s why they are doing it with impunity.\nPlease opay should quickly review my upgrade now.","version":"","date":"2023-03-09T00:00:00Z","rating":1,"app_id":1463776084,"username":"Luciana Thomas","title":"Unprofessional customer care","country":"NG","tags":["game_progression","monetization"],"review_id":9694468836},{"content":"Hi Opay, I’ll rate you 2 star because of the first month your operations with me were smooth. I liked and enjoyed your app services in the first month you started operations in ilorin but eventually you seem not to be able to manage traffic on your app. 1. I have had to delete and re-download your app countless times because each time I initiate a transfer to your app wallet it never reflects until I chat and present transaction ID from my bank to your customer support . 2.   I effected a transfer of 150k which wasn’t successful luckily my bank credit my account since your app couldn’t contain the funds. 3. I eventually transferred 5k to your app for a test run again and used it to take a ride once and since then I am unable to access the app not my balance, instead A message pops up stating that paycom is sponsoring my browsing session with 50mb immediately my internet disconnects and the app doesn’t open either. I don’t need paycom to sponsor my browsing sessions Kindly treat as urgent since I can’t even complain through customer support as the app won’t open for my usage. Thank you","version":"","date":"2020-01-07T00:00:00Z","rating":2,"app_id":1463776084,"username":"Buggatti Beez","title":"PAYCOM shouldn’t sponsor my browsing sessions","country":"NG","tags":["service","offline_functionality"],"review_id":5372181542}],"related_apps":[{"app_id":1479656820,"app_view_url":"/ios/ng/palmpay-limited/app/palmpay-transfers-bills/1479656820/","country":"NG","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/c5/8b/e8/c58be8c9-6bae-c467-cbac-024a85c9e2fa/AppIcon-0-0-1x_U007emarketing-0-7-0-0-sRGB-85-220.png/150x150bb.jpg","name":"PalmPay - Transfers, Bills","os":"ios","price":{"currency":"NGN","value":0,"string_value":"₦0.00","subunit_to_unit":100},"publisher_id":1479656819,"publisher_name":"Palmpay 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With OPay, you can:<br> • Send and receive money instantly with seamless transfers and a 100% success rate.<br> • Pay bills and top-up airtime & data with exclusive bonuses.<br> • Grow your savings easily with daily interest on your balance.<br> • Enjoy hassle-free debit cards at zero charges.<br> • Access flexible loans with low interest rates.<br>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.<br><br>HASSLE-FREE AND INSTANT TRANSFERS<br>● Say goodbye to transaction failures & network issues. Enjoy super-fast and successful transactions.<br>● Send money using a phone number or bank account to others, including non-OPay users.<br>● 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.<br>● Keep track of every transfer. Easily find transaction details in your \"Transaction History.\"<br><br>BEST AIRTIME/DATA DEALS & EASY BILL PAYMENTS<br>● Get top airtime and data offers on MTN, Airtel, Glo, and 9Mobile.<br>● Pay electricity, TV, water bills, internet services and more with ease.<br>● Earn up to 6% cashback on airtime and data purchases.<br><br>OPay DEBIT CARD<br>● Secure & Reliable: Chip & PIN technology with industry-leading multi-level risk prevention.<br>● Convenience: Apply via the OPay app with nationwide delivery options or visit any OPay agent store.<br>● Wide Acceptance: Accepted across POS/ATM/WEB in Nigeria and international merchants like Microsoft, Netflix, AliExpress, Uber, Spotify and Emirates.<br>● User-Friendly Management: Change PINs, set limits, block/unblock cards, and access card details in-app.<br>● Virtual Card Option: For secure online payments, get a virtual card instantly via the app.<br><br>GROW AND SAVE MORE MONEY  (Powered by OPay Microfinance Bank)<br>● OWealth: Earn daily interest, with free deposits and withdrawals anytime.<br>● Spend & Save: Save a percentage of your spending and earn daily returns.<br>● Fixed Savings: Lock idle funds for at least 7 days to earn higher returns.<br>● Target Saving: Save towards specific goals with daily, weekly, or monthly plans.<br>● SafeBox: Start a strict savings plan with limited withdrawals and monthly interest.<br><br>LOAN (Powered by OPay MFB Ltd.)<br>● Repayment periods from 90 days to 12 months<br>● Loan amount from N2,000 to N3,000,000<br>● APR up to 36% per annum<br>*For example; N1000 is given for 90 days loan term,<br>*Interest: N90(9%rate)<br>*Total amount payable: N1090<br>*Representative: 36%APR<br><br>SECURE AND PRIVATE<br>● Advanced features like biometric login, card locking, and encryption for all transactions.<br>● Block your account or card via USSD (955*131# or 955*132#).<br>● NightGuard security feature: Extra facial verification feature to authorise transactions during the chosen night time hours.<br>● Large Transaction Shield feature: Extra facial verification feature for transactions above your pre-set limit.<br>● Real-time notifications for account activity.<br>● Private Mode to hide your balance.<br>● Licensed by the CBN and insured by the NDIC.<br><br>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/).<br><br>CONTACT US<br>Our support team is available 24/7 for all your complaints.<br>OPay Headquarters: Alexander House, Plot 9, Dr. Nurudeen Olowopopo Avenue, Alausa, Lagos<br>Helplines: 0700 8888328 or 020 18888 328<br>Website: www.opayweb.com<br>Whatsapp: +234 9165998936<br>Facebook: @OPay<br>Twitter: @OPay_NG<br>Instagram: @opay.ng<br>TikTok: @opaynigeria<br>YouTube: @opaynigeria<br>LinkedIn: OPay","app_summary":"'OPay-Beyond Banking', published by a Nigeria-based company. The app was last updated on 27 August 2026. Released in Nigeria on 21 June 2019 and globally on 22 June 2019. 'OPay-Beyond Banking' belongs to the 'Finance' category maintaining a content rating of '18+'. In Nigeria, 'OPay-Beyond Banking' ranked 4th on the 'Top Free iPhone Apps' chart in the 'Finance' category. Last month's estimates were 200k downloads. The app is available in Nigeria, US, and United Kingdom and being advertised actively. Sign up / Sign in to learn more about the time spent, session durations, usage & engagement (DAU, WAU, MAU), retention, churn, marketshare, growth trends, and other market statistics.","subtitle":"","promo_text":""},"has_in_app_purchases":false,"installs":null,"language":"EN","support_url":"https://opayweb.com","top_countries":["NG","US","GB"],"valid_countries":["NG"],"available_countries":["NG","AU","CA","CN","FR","DE","GB","IT","JP","KR","RU","DZ","AO","AR","AT","AZ","BB","BY","BE","BM","BR","BG","CL","CO","CR","HR","CZ","DK","DO","EC","EG","SV","FI","GH","GR","GT","HK","HU","IN","ID","IE","IL","KZ","KE","KW","LB","LT","LU","MO","MG","MY","MX","NL","NZ","NO","OM","PK","PA","PE","PH","PL","PT","QA","RO","SA","SG","SK","SI","ZA","ES","LK","SE","CH","TW","TH","TN","TR","UA","AE","UY","UZ","VE","VN","US","BO","EE","LV","NI","PY","KH","AF","GE","IQ","LY","MA","MZ","MM","YE","BH","CY","MT","RS","BJ","CM","CI"],"pre_order_countries":[],"website_url":"https://opayweb.com","app_id":1463776084,"app_view_url":"/ios/ng/opay-digital-services-pte-ltd/app/opay-beyond-banking/1463776084/","country":"NG","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/fd/b3/c8/fdb3c8c0-9eac-42b5-bb0d-4fce6edb54b1/AppIcon-1x_U007emarketing-0-6-0-85-220-0.png/150x150bb.jpg","name":"OPay-Beyond Banking","os":"ios","price":{"currency":"NGN","value":0,"string_value":"₦0.00","subunit_to_unit":100},"publisher_id":1699757184,"publisher_name":"OPay Digital Services Pte.Ltd.","publisher_profile_url":"/publisher/ios/1699757184","rating":4.421238835930311,"rating_breakdown":[22365,13202,16493,28530,248703],"rating_count":329293,"country_release_date":1561103546000,"current_version":"8.15.1","file_size":129700864,"first_released_in":["NG"],"minimum_os_version":"15.1","publisher_country":"Nigeria","recent_release_date":1787788800000,"release_date":1561217345000,"release_status":"REGIONAL_RELEASE","supported_languages":["EN"],"worldwide_release_date":1561161600000,"store_removal_date":null,"cohort_id":"cohort_664c6afc262959cf10c81439","worldwide_last_month_revenue":{"unit":"cent","type":"currency","currency":"USD","value":100000},"worldwide_last_month_downloads":{"unit":"unit","type":"integer","value":200000},"category_rankings":{"app_id":1463776084,"country":"NG","ipad":{"top_free":null,"top_grossing":null,"top_paid":null},"iphone":{"top_free":{"all_categories":8,"primary_categories":[{"6015":4}],"sub_categories":[]},"top_grossing":null,"top_paid":null}}}