Opay has been a very reliable banking app have used so far,it saves me from the stress of debit without credit,the fact that they give heads up about network issue of banks and other services is topnotch..I remember last week thursday I wanted to make transaction to a bank during the process of transferring it notify me about the other bank network and saves me from the headache of me sending and the receiver not being credited.I enjoy their services and the app work perfectly anytime I login to the app.