Download OPay App for Android and iPhone – APK Latest Version For Mobile

download opay app for android and iphone

This article shows you how you can easily download OPay app for Android and iPhone IOS to your device; whether it’s for personal or OPay business use, you’d see how to get the APK app’s latest version

I am so sure that the reason you are here is that you want to get an alternative mobile banking channel to facilitate swift payment, settlement of bills and receiving of funds. Maybe you are looking for the best loan to borrow money without the complex documentation, collateral or banking requirements.

Lately, a lot of Nigerians have had to deal with cash scarcity following The CBN’s withdrawal of old Naira notes from circulation in January 2023 with major banking networks unable to accommodate the surging demand that comes with multiple login activities and simultaneous use of mobile banking apps for sending, transfer and receiving money.

Thankfully, one of the digital banking apps that’s stood out is Opay.

I remember some weeks back when I had to transfer N2,300 to settle a Bolt rider after an hour’s trip to Lekki but couldn’t initiate payment from the banking app as it keeps displaying an error after several attempts. It was this single event that led me to download the latest version of the Opay APK App to my iPhone, created an account, verified my personal information and got registered immediately.

Right there, I used my bank’s debit card credentials to fund the OPay account and initiated the transfer again and this time, payment was successful with instant credit to your driver’s OPay account.

That’s how the transaction was settled with both parties happy.

This is just one of the many occasions where the Opay app has saved many Nigerians from failed transactions, settled their bills at superstores since there was no physical cash and even advanced quick cash to qualified borrowers in less than 24 hours.

In this guide, I will show you to download Opay app for Android and iPhone, and what you can do on the banking app from the comfort of your home or office.

download opay for android and iphone

If you are new to Opay, here are some important points to note about Opay App:

About OpayApp Download for Android & iPhone:

  • OPay is a licensed digital banking app regulated by CBN with customer deposits insured by NDIC and trusted by over 10 million users.
  • You can initiate an Opay account opening from your mobile device; provide your personal details, phone number, and any of these means of personal identification; NIN, BVN or any government-recognized identity card.
  • Manage all your transfers from one app at zero cost.
  • Apply for a debit card for personal use at various ATM locations or shopping stores.
  • Enjoy up to 15% interest on your savings
  • Request for withdrawal via transfer to your other bank accounts or use an ATM to get cash at the nearest POS agents.
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Opay Investment for Customers

My personal advice to you is to stay away from the get-rich schemes dubbed Opay investment; these are scams you should stay away from.

You’d only find genuine offers on the Opay app and these are listed below (as culled from the OPay app for iPhone):

● Various flexible savings tools

Enjoy up to 18% annual interest, get expert financial management and reach your goals faster when you save with OPay.

Owealth Savings:

You can save and get daily returns with up to 15% annual interest when you keep your money in Owealth. Funds in OWealth can also be used for transactions

Fixed Savings:

Fixed savings plan helps to achieve specific goals or projects with ease as you can save for as short as 7 days and get up to 18% annual interest upfront with Fixed savings

Target Savings:

Target savings allows you to save toward specific goals like weddings, new cars, new businesses, house rent, school fees, vacations etc and get up to 15% annual interest on your Savings plan. You can save at your preferred intervals and monitor your savings with ease.

Safebox Savings:

You can set a daily, weekly or monthly autosave plan with safebox and get up to 15% annual interest on your savings

Spend & Save Savings:

Spend & Save helps create healthy savings habits as you can save a percentage of money spent or transferred and get a daily return with up to 15% interest per annum on your savings.

Let’s say you invest ₦100,000 for one year on your Fixed Savings, the interest on your deposit will be ₦100,000×18%x365/365=₦18,000 while the total receivable will be ₦100,000+₦18,000=₦118,000

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Note: Choose different products or maturities, the annualized interest rate may differ, but the calculation formula is the same.

How to Download Opay App for Android and iPhone – APK Latest Version

Here, you will learn the simple steps to download OPay’s latest version and updates to your device.

  • Go to the OPay app store on your mobile phone (depending on your device)
  • Opay App is available for Android or iPhone customers. I can’t say if there is an OPay app for PC.
  • Install the app to your device and wait for it to complete
  • Create an account by entering your personal information and BVN.
  • Wait for verification and if your details are fine, you should receive a welcome message.

OPay Login Nigeria

OPay app is designed with auto-login features; anytime you launch the app on your iPhone or Android device, you’d be redirected to your dashboard immediately but you still need to provide your secure PIN to process or initiate a transaction.

Can I Get Opay Loan from Opay App Download?

Yes, Opay offers quick loans to qualified individuals looking to borrow money and pay it back in less than a year.

You can borrow any amount from NGN3,000 to NGN500,000 while you pay between 0.1% to 1% on a daily basis for 91 days to 365 days. That should give an average percentage rate of 36,5% to 360%.

Le’s say you secured a loan of NGN6,000 with a 91-day repayment period, your interest will be 9.1% of NGN6,000 which is an N546 interest charge.

At the expiration of your loan tenure, you should pay back NGN6,546 to Opay for the service rendered.

How to Borrow Money from Opay App APK on Mobile

If you need to borrow money from the Opay bank app, you will need to follow these simple steps:

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Step 1: Download the App

The first step is to download the Opay bank app from your preferred app store. The app is available on both Android and iOS devices.

Step 2: Register and Create Your Account

After downloading the app, you will need to register and create your account. The registration process is simple and straightforward. All you need is to provide your personal information such as name, phone number, and email address.

Step 3: Verify Your Account

To be able to access all the features of the Opay bank app, you will need to verify your account. The verification process involves providing additional personal information such as your ID card and bank details.

Step 4: Apply for a Loan

Once your account is verified, you can now apply for a loan. Opay bank app offers different types of loan facilities to its customers. You can choose the loan facility that best suits your needs.

Step 5: Provide the Required Information

To apply for a loan, you will need to provide some information about yourself and your financial status. The app will also request access to your credit report and transaction history to evaluate your creditworthiness.

Step 6: Wait for Approval

After providing the required information, you will need to wait for the app to approve your loan application. The approval process usually takes a few hours or a day, depending on the loan facility and the system’s workload.

Step 7: Receive Your Loan

Once your loan is approved, the money will be credited to your Opay wallet or bank account. You can then use the money for your intended purpose.

OPay Business App Download for Android & iPhone

If you are a small retail business, the Opay Business app for your mobile phone lets you facilitate transactions via the omnichannel collection features built into the digital banking application.

You can also manage your employees, retail shops, and bill payments and enjoy various features to make your every operation secure and more efficient.

The app is available for download online.

OPay Customer Care Number in Lagos Nigeria

If you have an issue with your Opay app and need support, you can take advantage of their dedicated support team available 24/7 for all your questions and complaints.

The numbers to reach Opay customer care are 0700 8888328 (for direct calls) or +234 916 599 8936 (for Whatsapp).

You can also send a mail to

OPay Office in Lagos

Office Address: Alexander House, Otunba Jobi Fele Way, Ikeja Lagos, Nigeria.

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