{"game_intel_data":{},"featured_reviews":[{"content":"Sequel to my last complain, I don’t understand how transaction limit from agent to customer would be 1 million while single transaction limit from customer to agent would also be one million… limiting what a single transaction someone can do from opay to opay… but when I want to transfer to any other bank I can transfer up to 25 million at once as a merchant with a CAC…Please look into this issue because it is limiting opay to opay transactions and putting more light and more focus on opay to other banks…\nI cannot have a limit of one million as an opay user with CAC What if I want to receive money from a client… then they’ll have to split the money into one million x 4\nBut one million is too smallHence when a customer wants to buy a goods of 4 million plus, then they’ll have to spilt the money into one million at a stretch… please look into this it is not fair at all or telling good on opay…. Also but when the person wants to send to another bank the whole money will go at once","version":"7.38.0","date":"2025-09-09T00:00:00Z","rating":5,"app_id":1463776084,"username":"Iykeeeeen","title":"A little upgrade","country":"NG","tags":["feature_requests","service","pricing"],"review_id":13117301144},{"content":"Opay is more than just banking—it’s a lifeline. A platform that blends speed, trust, and innovation in a way most traditional banks only aspire to. I’ve used Opay daily, and it continues to exceed my expectations in every area: smooth transfers, airtime top-ups, bill payments, card services, and beyond.\n\nOne unforgettable experience that sealed my trust was during the lockdown period. Opay literally saved my life and my family’s. A mistaken transfer of over a million naira was traced and reverted instantly—no calls, no stress, no delays. It was supernatural efficiency, and I’ve never forgotten it.\n\nEven when Opay has a rare network issue—which is clearly system-based—it auto-corrects without me needing to reach out. No customer care needed. The reversal is done in seconds. That kind of automation is unmatched. Other banks? They can’t come close.\n\nMy mother calls Opay “As you are sending, I’m seeing”—and that perfectly sums it up. Fast, transparent, and always on point.\n\nI give Opay 5 stars, not just for banking, but for creating a digital experience that is trustworthy, human-centered, and always evolving for the better.\n\nEven CBN is amazed by opays speed everyday. I come in peace Sha...","version":"7.31.0","date":"2025-05-27T00:00:00Z","rating":5,"app_id":1463776084,"username":"Nuelcee001","title":"I give Opay 5 stars they are the best","country":"NG","tags":["social_and_community","offline_functionality","accessibility","performance_and_bugs"],"review_id":12705106196},{"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}],"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/f8/66/95/f8669533-574b-1794-ecca-0f191a8d621b/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 Limited","publisher_profile_url":"/publisher/ios/1479656819","rating":4.009698487527008,"rating_breakdown":[5302,2701,3153,4716,24856],"rating_count":40728},{"app_id":6737593007,"app_view_url":"/ios/ng/opay-microfinance-bank-limited/app/okash-safe-and-reliable-loan/6737593007/","country":"NG","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/12/37/a4/1237a482-6f40-fbfa-58a8-7324bb5ad86b/AppIcon-1x_U007emarketing-0-6-0-85-220-0.png/150x150bb.jpg","name":"OKash: Safe and reliable loan","os":"ios","price":{"currency":"NGN","value":0,"string_value":"₦0.00","subunit_to_unit":100},"publisher_id":1643631162,"publisher_name":"OPAY MICROFINANCE BANK LIMITED","publisher_profile_url":"/publisher/ios/1643631162","rating":4.302695652173913,"rating_breakdown":[1212,436,514,835,8503],"rating_count":11500},{"app_id":1501024389,"app_view_url":"/ios/ng/access-bank-plc/app/access-more/1501024389/","country":"NG","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/a9/3f/63/a93f6312-cb5a-822b-9c58-ff0b914e54e8/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/150x150bb.jpg","name":"Access More","os":"ios","price":{"currency":"NGN","value":0,"string_value":"₦0.00","subunit_to_unit":100},"publisher_id":730325314,"publisher_name":"Access Bank Plc","publisher_profile_url":"/publisher/ios/730325314","rating":4.618018088937746,"rating_breakdown":[11707,8416,16369,31052,288143],"rating_count":355687},{"app_id":6456485223,"app_view_url":"/ios/ng/fairmoney-microfinance-bank-limited/app/fairmoney-loan-app-in-nigeria/6456485223/","country":"NG","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/9d/42/fb/9d42fb66-3a1f-9a86-cd2d-bbe1095cbf07/AppIcon-0-0-1x_U007ephone-0-1-0-85-220.png/150x150bb.jpg","name":"FairMoney: Loan App In Nigeria","os":"ios","price":{"currency":"NGN","value":0,"string_value":"₦0.00","subunit_to_unit":100},"publisher_id":1700473219,"publisher_name":"FAIRMONEY MICROFINANCE BANK LIMITED","publisher_profile_url":"/publisher/ios/1700473219","rating":4.449554020754521,"rating_breakdown":[1883,1028,1485,2274,22143],"rating_count":28813},{"app_id":6733228838,"app_view_url":"/ios/ng/smartloans-integrated-services-limited/app/lendsafe-instant-loan/6733228838/","country":"NG","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/1d/27/14/1d27144a-427b-8c68-d6e2-7df3572c9941/AppIcon-0-0-1x_U007ephone-0-11-0-85-220.png/150x150bb.jpg","name":"LendSafe - Instant loan","os":"ios","price":{"currency":"NGN","value":0,"string_value":"₦0.00","subunit_to_unit":100},"publisher_id":1771268903,"publisher_name":"SMARTLOANS INTEGRATED SERVICES LIMITED","publisher_profile_url":"/publisher/ios/1771268903","rating":4.215042372881356,"rating_breakdown":[2462,555,757,1052,13110],"rating_count":17936},{"app_id":1222853161,"app_view_url":"/ios/ng/wema-bank-plc/app/alat/1222853161/","country":"NG","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/1e/98/97/1e9897e7-83d8-05a5-a187-bac829ea7984/AppIcon-0-0-1x_U007ephone-0-1-0-85-220.png/150x150bb.jpg","name":"ALAT","os":"ios","price":{"currency":"NGN","value":0,"string_value":"₦0.00","subunit_to_unit":100},"publisher_id":980671301,"publisher_name":"Wema Bank Plc","publisher_profile_url":"/publisher/ios/980671301","rating":3.31633601983881,"rating_breakdown":[1750,627,660,662,2753],"rating_count":6452},{"app_id":6451130503,"app_view_url":"/ios/ng/rockit-lenders-nig-limited/app/pal-loan/6451130503/","country":"NG","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/bf/4a/f1/bf4af134-7db3-5d38-9e78-9e6e48b50329/AppIcon-0-0-1x_U007emarketing-0-7-0-0-85-220.png/150x150bb.jpg","name":"Pal Loan","os":"ios","price":{"currency":"NGN","value":0,"string_value":"₦0.00","subunit_to_unit":100},"publisher_id":1696887042,"publisher_name":"Rockit Lenders Nig. 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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>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-We are beyond Banking', published by a Nigeria-based company. The app was last updated on 28 April 2026. Released in Nigeria on 21 June 2019 and globally on 22 June 2019. 'OPay-We are beyond Banking' belongs to the 'Finance' category maintaining a content rating of '13+'. In Nigeria, 'OPay-We are beyond Banking' ranked 1st on the 'Top Free iPhone Apps' chart in the 'Finance' category. Last month's estimates were 300k 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":["BJ","CA","CM","CN","DE","GB","NG","US"],"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"],"pre_order_countries":[],"website_url":"https://opayweb.com","app_id":1463776084,"app_view_url":"/ios/ng/opay-digital-services-pte-ltd/app/opay-we-are-beyond-banking/1463776084/","country":"NG","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/bd/d6/50/bdd650e4-96f4-cc45-8e41-de91dd0fb71a/AppIcon-1x_U007emarketing-0-6-0-85-220-0.png/150x150bb.jpg","name":"OPay-We are 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":4.453660278640702,"rating_breakdown":[13950,8981,11728,20778,176977],"rating_count":232414,"country_release_date":1561103546000,"current_version":"8.7.0","file_size":109207552,"first_released_in":["NG"],"minimum_os_version":"13.4","publisher_country":"Nigeria","recent_release_date":1777334400000,"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":300000},"category_rankings":{"app_id":1463776084,"country":"NG","ipad":{"top_free":null,"top_grossing":null,"top_paid":null},"iphone":{"top_free":{"all_categories":7,"primary_categories":[{"6015":1}],"sub_categories":[]},"top_grossing":null,"top_paid":null}}}