OPay: USSD Code, Transfer Charges, SWIFT Code & Rates
Digital bank · OPay · ₦5M NDIC coverage
Biggest mobile money. Free transfer. POS everywhere for Lagos.
Opera back am. Biggest mobile money — 35M+ user. Free P2P transfer. POS agent dey everywhere.
OPay na Digital bank (CBN license, NDIC dey insure am) wey dem start for 2018 (8 years ago), and na Opera / Zenith Bank JV dey operate am. For 2026 e dey serve about 40M+ customers.
- Dem start am
- 2018 · 8 years dey serve Nigerians
- Owner company
- Opera / Zenith Bank JV
- Customer base
- 40M+
- Bank type
- Digital bank (CBN license, NDIC dey insure am)
- Website
- opayweb.com
- Address
- Landmark Towers, 5B Water Corporation Road, Victoria Island, Lagos, Lagos
If you dey do 20 transfer, 4 other-bank ATM visit, and 30 SMS alert every month:
This na the cheapest for the tracked banks at this usage pattern.
Compare with all 23 bank →Time to open: 3 minute · Online through app
- BVNBank Verification Number. Get one for any bank branch if you no get.
- Nigerian phone numberFor OTP verification during signup.
- Live selfieFacial verification — dem match am against BVN photo.
500,000+ POS agent for Nigeria — deposit, withdraw, and transfer cash for any OPay agent. No need go bank.
Dem accept am for most Lagos POS terminal. Pay for ride, food, bill — everything from one wallet.
Merchant receive POS payment instantly — no waiting 24-48 hours like normal bank POS.
Savings product wey dey pay reach 18% p.a. — dem dey auto-sweep am from OPay wallet balance.