How to Open an OPay Account in Nigeria
OPay has become one of the most popular mobile money platforms in Nigeria, offering fast, secure, and convenient financial services. With OPay, you can send and receive money, pay bills, buy airtime, make transfers, and even run a POS business.
If you’re wondering how to open an OPay account in 2025, this step-by-step guide will show you the process, requirements, and benefits.
Why Choose OPay?
Before we dive into the steps, here are some reasons why millions of Nigerians are using OPay:
- Fast and easy transactions
- No hidden charges on most services
- Accessible with or without internet (via USSD or App)
- POS business opportunities for extra income
- High transaction limits when you upgrade your account
Methods to Open an OPay Account
There are two main ways you can create an OPay account:
1. Via USSD (No Internet Required)
This is the simplest method, perfect if you don’t have a smartphone or internet connection.
Steps:
1. Dial *955*1# on your phone.
2. Enter your First Name and Last Name.
3. Create a 6-digit PIN for login and confirm it.
4. Your account is instantly created.
Your OPay account number will be your phone number without the leading zero (e.g., 08012345678 → 8012345678).
2. Via the OPay Mobile App (Recommended)
For full access and more features, the OPay app is the best option.
Requirements:
- Smartphone with internet connection
- Valid phone number (registered in your name
- For upgrades: BVN, NIN, or Government-issued ID
Steps:
1. Download the OPay App from the Google Play Store or Apple App Store.
2. Open the app and click Create Account.
3. Enter your phone number and verify with OTP (One-Time Password).
4. Create a strong password and set a transaction PIN.
5. Fill in your personal details (name, DOB, email).
6. Complete KYC verification if you want higher limits (using BVN, NIN, or ID).
7. Add your address and accept the terms and conditions.
🎉 Congratulations! Your OPay account is ready to use.
OPay Account Tiers & Limits
OPay operates with different levels (tiers) depending on your verification:
| Tier | Daily Limit | Maximum Balance | Requirements |
|---|---|---|---|
| Tier 1 | ₦50,000 | ₦300,000 | NIN required |
| Tier 2 | ₦200,000 | ₦500,000 | BVN required |
| Tier 3 | ₦5,000,000 | Unlimited | Utility Bill |
Benefits of Having an OPay Account
- Send and receive money instantly
- Pay bills (electricity, cable, water, etc.)
- Buy airtime and data with cashback offers
- Access to loans and savings options
- Become an OPay agent and earn commissions
Quick Security Tips
- Always keep your PIN and OTP secret
- Use a strong password and update regularly
- Do not log in on untrusted devices
- Contact OPay support immediately if you notice suspicious activity
Conclusion
Opening an OPay account in Nigeria is very easy—whether through USSD or the mobile app. Once your account is set up, you’ll enjoy fast, secure, and reliable financial services with the flexibility to upgrade for higher transaction limits.
If you’re looking for a convenient way to handle payments, transfers, and business transactions in 2025, OPay is the way to go.
