How To Create/Open Opay Account With N1,200 Welcome Bonus

In today's fast-paced world, convenience reigns supreme. We crave solutions that simplify our daily lives, and that's exactly what Opay offers. Opay is a leading mobile wallet and payments platform in Africa,? revolutionizing the way Nigerians manage their money.??

With Opay, you can ditch bulky wallets and endless cash counting.? This user-friendly app empowers you to send and receive money, pay bills, top up airtime, and even shop online – all from your smartphone!? But wait, there's more!? Right now, you can earn a whopping N1,200 welcome bonus just for creating your Opay account.??

Intrigued?? This comprehensive guide will walk you through everything you need to know about creating an Opay account and unlocking that sweet welcome bonus.

Let's dive in!

What is Opay?

Opay is more than just a mobile wallet; it's a gateway to financial ease. Developed by Opera Fintech Ltd., Opay allows you to securely store and manage your money electronically. Think of it as a digital bank account accessible right on your phone. With Opay, you can:

• Effortlessly send and receive money: Transfer funds to friends, family, or businesses instantly. Gone are the days of waiting in line or relying on third-party services.
• Pay bills with a tap: Tired of juggling multiple bill payments? Opay allows you to settle utility bills, subscriptions, and more directly through the app, saving you time and hassle.
• Top up your airtime or someone else's: Running low on credit? Opay ensures you stay connected by enabling quick and convenient airtime top-up for yourself or others.
• Shop online with ease: Enjoy the freedom of online shopping with Opay. Many online stores and platforms in Nigeria now accept Opay as a payment method, offering a secure and seamless checkout experience.

Exploring Opay Features?

Now that your Opay account is up and running, let's delve into the exciting features and functionalities it offers:

• Mobile Money Transfer: opay makes sending and receiving money amongst friends, family, or businesses a breeze. Say goodbye to the hassle of exchanging cash – with Opay, transfers are instant and secure.
• Bill Payments: Manage your bills efficiently by paying for utilities, subscriptions, and other services directly through the Opay app. This eliminates the need to visit multiple websites or stand in long queues, saving you valuable time and effort. They include :

1. Register for WAEC.
2. Fund Bet9ja account.
3. Fund Cowry Card.
4. Pay money into microfinance bank accounts.
5. Handle governmental payments and levies.
6. Subscribe to DSTV, GOTV, and Startimes.
7. University tuition fees.
8. Book hotels and flights.
9. Apply to Okash loans.

• Airtime Top-up: Never run out of credit again! Opay allows you to conveniently top up your airtime or the airtime of someone else directly within the app. This ensures you stay connected and can make calls whenever needed.

Benefits of Using Opay

Beyond the core functionalities,? Opay offers a multitude of benefits that make it a compelling choice for Nigerians:

• Convenience: Opay prioritizes ease of use. The intuitive app interface makes managing your finances a breeze, whether you're a tech whiz or a complete beginner.
• Security: Opay prioritizes your financial security. They employ robust security measures to safeguard your money and transactions.
• Speed: Gone are the days of waiting for transfers or payments to clear. Opay facilitates instant transactions, ensuring your money moves as fast as you do.
• Cost-effective: Opay offers competitive fees for money transfers, bill payments, and other services. Compared to traditional banking methods, you can potentially save money while managing your finances.
• Rewards: Opay offers exciting reward programs, like the current welcome bonus we mentioned earlier. You can also earn N4,200 in the referral program.

Requirements for opay account opening in Nigeria?

Creating an Opay account in Nigeria is a straightforward process, but there are a few essential requirements you'll need to meet:

• Age Requirement: You must be at least 18 years old to create an Opay account.

Functioning Mobile Phone: You'll need a working mobile phone with a valid phone number, as this number will be linked to your Opay account and act as your account number.

• Stable Internet Connection: A reliable internet connection is required to download the Opay app and complete the account opening process.
• The Opay App: You'll need to download the Opay app from the Google Play Store or Apple App Store.
• Valid Identification Document: During the account verification process, you'll need to provide a valid form of identification such as a National ID Card, International Passport, or Driver's License.
• Nigerian Bank Account: You'll need to link your Opay account to a Nigerian bank account for funding and transactions.
• Bank Verification Number (BVN): Your unique Bank Verification Number (BVN) will be required as part of the account opening process.
• Personal Data: You'll need to provide your full name, date of birth, and email address during the Opay account registration.

How To Open? An? Opay Account?

Follow this Step-by-Step Guide to Open an Opay Account effortlessly.?

1. Download the Opay App

The first step is to download the Opay mobile app, which is available on both the Google Play Store and Apple App Store.

Make sure your smartphone meets the minimum system requirements to run the Opay app smoothly.

2. Install and Launch the App

Once downloaded, install the Opay app on your device.

Open the app and select your preferred language for the account opening process.

3. Click on "Create Account"

On the app's home screen, look for the "Create Account" button or option.

Alternatively, you may see other registration options like "Sign Up" or "Open Account".

4. Enter Your Phone Number

You will be prompted to enter your active mobile phone number that will be linked to your Opay account.

Ensure you enter the number correctly, including the country code (+234 for Nigeria).

Opay will then send a verification code to your phone to confirm the number.

5. Create a Strong Password

Set a secure password for your Opay account, following the app's password requirements.

Use a combination of letters, numbers, and special characters to create a strong, unique password.

6. Enter Your Personal Information

Provide your full name, date of birth, and other personal details as requested by the app.

Make sure to enter this information accurately, as it will be used for KYC (Know Your Customer) verification.

7. Upload Identification Document

Opay will require you to upload a clear photo or scan of a valid government-issued ID, such as a national ID card, international passport, or driver's license.

Ensure the document is in good condition and the information is legible.

8. Set Up Security Questions

Opay will prompt you to set up security questions and answers.

Choose questions that are easy for you to remember but difficult for others to guess.

9. Verify Your Email Address

Provide a valid email address and follow the steps to verify it.

Having a verified email linked to your Opay account can help with password resets and other account-related communications.

10. Complete KYC Verification

Opay will review your submitted information and documents to verify your identity and complete the Know Your Customer (KYC) process.

Depending on your account type, you may need to provide additional documents or information.

Once you've completed all these steps, your Opay account will be successfully created. You can then proceed to fund your wallet and start using Opay's various financial services and features.

How to Fund your Opay wallet?

Here's the steps to funding your Opay account?

1. Link a Nigerian Bank Account

Connect your Opay account to a Nigerian bank account to enable funding and transactions. This can be done during the account opening process or later in the settings menu.

2. Transfer Money from Your Bank Account

Log into your Opay app and navigate to the "Wallet" section.

Tap on "Fund Wallet" and select your linked bank account.

Enter the amount you want to transfer and confirm the transaction. The funds will be deducted from your bank account and credited to your Opay wallet balance.

3. Visit an Opay Agent / POS

You can also fund your Opay wallet by visiting an authorized Opay agent location.

Provide your phone number linked to your Opay account. Pay the agent the desired amount in cash. The agent will instantly credit the funds to your Opay wallet.

Opening an Opay Account without BvN

While having a Bank Verification Number (BVN) is typically required to open an Opay account, there are still ways to create an account even if you don't have one. Here's how:

1. Download the Opay App
2. Tap on "Create Account”
3. Enter Your Phone Number
4. Set Up Your Account
5. Skip the BVN Linkage
6. Verify Your Identity
7. Start Using Your Account

When prompted to link your bank account, select "No Bank Account" or "Skip" to proceed without BVN.

To enjoy the full benefits of Opay, it's recommended to link your BVN to your account once you have one. There may be certain limitations on your account, such as lower transaction limits or restricted access to some features.?

Opay USSD Code

In addition to the Opay mobile app, the fintech platform also offers a user-friendly USSD code that allows customers to access a range of services directly from their mobile phones.

The Opay USSD code is *955#, and it provides a simple and accessible way for users to perform various financial transactions without the need for a smartphone or internet connection.Some of the key features accessible through the

Opay USSD code include:

• Account Management: Check account balance, view transaction history, and perform fund transfers.

Bill Payments: Pay utility bills, subscriptions, and other recurring expenses.

Airtime Top-up: Purchase airtime for your mobile number or send airtime to others.

Loan Applications: Apply for Opay's short-term loan products, such as Okash loans.

The USSD code is particularly beneficial for users in areas with limited internet connectivity or those who prefer a more basic, text-based interface for their financial transactions. By offering this alternative access channel, Opay demonstrates its commitment to financial inclusion and ensuring that its services are accessible to a wide range of customers, regardless of their technological proficiency or device capabilities.

Whether you're on the go or prefer a more straightforward approach to banking, Opay's USSD code *955# provides a convenient and secure way to manage your finances directly from your mobile phone.

Opay Referral Program - Refer and Earn N4,200 within 7 Days?

As a leading fintech platform in Nigeria, Opay offers an enticing referral program that allows you to earn generous rewards for sharing the app with your friends and family. Let's dive into the details of this lucrative opportunity.

Earn ?1,200 Instantly using my Opay Referral code

When you sign up for an Opay account using the referral code "9032984656", you'll instantly receive a ?1,200 bonus after depositing at least ?2,000 into your new account. This is Opay's way of welcoming you to their growing ecosystem and incentivizing you to start using their suite of digital financial services.

Refer and Earn ?4,200 on Opay

But the rewards don't stop there. For every person you successfully refer to Opay, you'll earn an additional ?4,200 in referral commissions. The best part? There's no limit to the number of people you can refer, so the earning potential is virtually limitless.

Opay Rules for Earning the Referral Bonus

To qualify for the full ?4,200 referral bonus, a few simple conditions must be met:

• The person you refer must complete the account opening process and upgrade to a KYC 2 level account using their Bank Verification Number (BVN).
• Your referred friend must fund their Opay account with at least ?2,000 and make a successful transfer or transaction.

Once these requirements are fulfilled, the referral bonus will be automatically credited to your Opay wallet, ready for you to withdraw or use for your next transaction.

Here's my Opay referral History

So good luck ??

Opay Card's?

In today's fast-paced world, carrying cash can be inconvenient and even risky. That's where Opay cards come in - revolutionizing the way you manage your finances and make payments. With Opay cards, you can enjoy the ultimate convenience, security, and flexibility in all your transactions.

Types of Opay Cards

Opay offers two types of cards to cater to your diverse needs:

1. Opay Debit Card

Accepted at millions of merchants worldwide

Allows you to make instant payments without the need for cash

Enjoy 10 free ATM withdrawals per month

No maintenance fees

2. Opay Virtual Card

Ideal for online shopping and digital transactions

Provides an extra layer of security by generating a unique card number for each purchase

Accepted by merchants who don't require a physical card

Easily managed through the Opay app

Benefits of Using Opay Cards

Convenience: Make payments with just a tap or swipe, no matter where you are.

Security: Opay cards use advanced encryption technology to protect your financial information.

Rewards: Earn cash back on your purchases and enjoy exclusive offers from Opay.

Accessibility: Access your money anytime, anywhere, with the Opay app.

How to Get an Opay Card

Getting an Opay card is a breeze. Follow these simple steps:

• Download the Opay App: Available on both Google Play Store and Apple App Store.
• Create an Account: Sign up for an Opay account and complete the verification process.
• Apply for a Card: Navigate to the "Cards" section in the app and select the type of card you want to apply for.
• Receive Your Card: Your Opay card will be delivered to your doorstep or available for instant pickup at select Opay agent locations.

Enjoy unparalleled convenience, enhanced security, and rewarding experiences with every transaction.?

Opay customer care?

Whether you need assistance with your account, have a query about a transaction, or require help with a technical issue, our customer support team is available round the clock. You can reach us via phone, email, or through our online help center.

Multiple Contact Options

• Phone: Call us at +234 700 888 8328 or +234 188 883 329 to speak with a real person. Our average hold time is less than 1 minute, and we are available from Monday to Friday, 9 AM to 5 PM (WAT).
• Email: Send your queries to [email protected], and we will respond promptly.
• Online Help Center: Visit our website or mobile app to access our comprehensive help center, where you can find answers to frequently asked.

Conclusion?

As you embark on your Opay journey, remember that the platform is constantly evolving to meet your needs. Stay updated, reach out to the dedicated customer care team, and unlock the full potential of Opay to empower your financial future.

Download the app, open your account, and experience the convenience and possibilities that Opay has to offer.

Opay Sign Up - FAQ'S?

Who Owns Opay?

Opay is a fintech company that is backed by Chinese investors. The company was founded in 2018 and is headquartered in Lagos, Nigeria. While the exact ownership structure is not publicly disclosed, Opay has received significant funding from Chinese tech giants like Softbank, Sequoia Capital China, and others.

Which Bank Controls Opay?

Opay is not controlled by any single bank. It operates as an independent fintech platform that is licensed and regulated by the Central Bank of Nigeria (CBN). Opay partners with various Nigerian banks to provide banking services and facilitate transactions, but it is not owned or controlled by any specific bank.

What is Opay's Current Valuation in 2024?

Opay's current valuation is not publicly disclosed. However, in 2019, the company was valued at around $500 million after raising $50 million in a Series A funding round. Since then, Opay has continued to grow and expand its services, and it is estimated that its valuation has likely increased significantly. Some reports suggest Opay's valuation could be approaching $3 billion as of 2024, but this has not been officially confirmed.

Is It Safe to Save Money on Opay?

Opay is a licensed and regulated fintech platform in Nigeria, and it takes various measures to ensure the safety and security of user funds. Opay accounts are insured by the Nigeria Deposit Insurance Corporation (NDIC), providing the same level of protection as traditional bank accounts. Additionally, Opay employs advanced encryption and security protocols to protect user data and transactions. While no financial platform is entirely risk-free, Opay is generally considered a safe option for storing and managing money in Nigeria.

How Much Does Opay Charge per Transaction?

Opay's transaction fees vary depending on the type of service and the specific transaction. For basic money transfers and payments, Opay typically charges a small percentage-based fee, often in the range of 0.5% to 2% of the transaction amount. However, some services, such as bill payments or airtime purchases, may have fixed transaction fees. Opay also offers certain free or discounted transactions for its users. It's recommended to check the current fee structure on the Opay platform or with their customer support for the most up-to-date information on transaction charges.