How To Open An Opay Account | Simple Steps

How To Open An Opay Account | Simple Steps-To open an Opay account, first, download the Opay app on your device. After that, proceed to create an account on the app and input your information. Then, enter the verification code sent to your phone number in the space provided. However, that’s not the only way to open an account on Opay. In this article, you will be reading two methods on how to open an Opay account. You will also see the requirements needed to successfully create an Opay account. Let’s begin by checking out the benefits you derive from being an Opay customer.

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Benefits | Features Of An Opay Account

Here are the things you stand to benefit from when you open an account with Opay:

  1. Great Security Features

With Opay, you can enjoy great security features especially when you use the app. This is because before an infringer can get access to your account on the app, they would have to undergo a verification process. After that, before any transactions can be made, your six-digit secure PIN would need to be entered to confirm a transaction. In addition, Opay monitors each customer’s account to ensure that anyone who is not the owner of the Opay app cannot get access to the funds in it.

  1. Eligible To Sweet Offers

When you open an Opay account, you are automatically eligible for offers that can make your financial journey a lot easier.  Offers such as the daily cashback from Opay enable users to make money from the app and even save money in it.

  1. Cheap Transfer Rate 

Unlike other Fintech platforms, Opay allows its customers to perform transfers at a cheaper rate. In fact, as an Opay customer, you are eligible to make three daily transfers of funds with no charge inclusive. Isn’t that nice?

Now that you have seen the benefits of opening an Opay account, let’s now get to the main gist of the article. That is, how to open an Opay account. Before we begin, let’s consider the requirements needed to successfully open an Opay account.

Requirements On How To Open An Opay Account

To successfully create an Opay account, some requirements have to be met. Let’s consider these requirements.

  1. A Smartphone

You need to possess a smartphone that is compatible with the Opay app. Your smartphone should be one that can receive or install the Opay app easily.

  1. Your Email And Other Details

After getting your smartphone, you should also have a working email address. Your email would be used to send verification codes or important information to you. Vital information about yourself would also be needed such as your phone number, gender, and date of birth would also be required.

  1. Bank Verification Number

To effectively upgrade your account to receive higher cash, you’ll need to possess a Bank Verification Number (BVN). This code would be needed to upgrade your account from a lower tier to a higher one. It would also enable you to be qualified for certain offers as an Opay customer.

So far you’ve seen the information and things you have to get handy before opening an Opay account. Now, let’s check out the steps to go through to open an Opay account.

How To Open An Opay Account With Your Smartphone

To successfully open an Opay account using your smartphone, follow these steps:

Step 1. Install The Opay App

The first thing to do is to install the Opay app on your mobile device. This is easy to do. If you use an Android device, navigate to the Google Play Store app. After that, search for “Opay App“. When that is done, tap on the verified Opay App for Android and click on Download. If you use an Apple device, navigate to the Apple App Store search for the Opay App for iPhone, and tap on install. For Apple devices, you may need to undergo some verification processes such as inputting your Apple ID or Face ID.

Step 2. Create An Account

When you launch the Opay app after successful installation, tap on the “Register” button to create an account. When you tap on that button, a new page will be displayed for you to input your information and details about yourself.

Step 3. Input Your Details

On the new page that is displayed, fill in correctly, simple information about you such as your name, phone number, email address, and other details. These details about you are secured and are required for you to be registered in Opay’s database. So, feel free to enter correct information about yourself, employment, and other details.

Step 4. Verify Your Account

After you have inputted your correct information, you’ll need to undergo a verification process. This process is done to confirm that your phone number and other information are correct and that it has been inputted by the original owner. This process entails that you provide the verification code back to the app in the provided space.

Step 5. Create Your Six-Digit PIN

To enable you to make transactions, you’ll need to have a secured PIN. This PIN would enable you to make transactions in a much more secure way. So, proceed to create your six-digit PIN.

Step 6. Explore Your Opay Account

After you have created your transaction PIN, you will become an official customer of Opay. So, now is the time to go through your Opay account and see the many features offered by Opay. There are many features offered by Opay that you would like to see.

This method discussed above covers how to open an Opay account if you have a smartphone. What then happens if you do not have a smartphone that can download the Opay app? The next subheading discusses that.

How To Open An Opay Account Using The USSD Code

Opening an Opay account using a USSD code is quite easy and fast. Here are the steps to go about it:

Step 1. Dial *955#

The first step to take on how to open an Opay account using the USSD code is to dial the Opay official code. With *955#, you get access to various features of the Opay platform even when you do not have the app installed on your mobile device.

Step 2. Select Register

A list of options will be displayed to you upon dialing *955#. Among the options that you would see, an option labeled “Register” would be displayed to you. Select the option by dialing the number alongside it to enter your request.

Step 3. Enter Your Information

After you have entered your preferred option, you will need to enter information about yourself. The information you would need to enter would include your first name, last name, gender, etc. Enter the correct information about yourself and wait for feedback.

Step 4. Input Your Transaction PIN

The next step to carry out is to input your PIN. This PIN would serve as your verification PIN for all transactions you carry out. Do well to input a PIN sequence you can remember so that it would be easier for you. To confirm your PIN, you will be asked to enter it again. So, enter correctly the second time to successfully open an account with Opay.


Can I use BVN to open OPay?

Yes. If you have your BVN handy, you can open an Opay account with your BVN. This would even enable you to be automatically upgraded to a higher-tier user.

Which bank owns OPay?

Opay Digital Service Limited is owned by Opera Norway.

How do I verify my OPay account?

To verify your Opay account, navigate to the Profile tab of your Opay app. After that, click on the option labeled “Verify Account “. When that is done, select the appropriate verification methods to use.

What is the full name of OPay Bank?

The full name of Opay Bank is Opay Digital Service Limited.

Can banks trace OPay?

When a suspicious transaction has been made, banks and other financial institutions may track an Opay account or transaction.


With Opay, you can enjoy making transactions. This is because it is fast and easy to make a transaction using the Opay platform. However, to enjoy it more fully, you would have to upgrade your account using your Bank Verification Number (BVN).

Have you used Opay before? Share your experience in the comments section below.

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