Opay

4.1
4.1 from 116 Reviews and Ratings
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Average Rating

4.1

/
5

116 Reviews

5 Star
42%
4 Star
37%
3 Star
10%
2 Star
6%
1 Star
4%

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Review Time

Top notch network

Opay is a very good app,smooth experience,even on a rainy day when other banks and wallet networks failed,I don't how but opay network is always top-notch.in terms of Swift alerts too,I just want them to work on the verification process you have to go through before entering the app it's too much abeg .

4
Date of experience: Jul 04, 2025
Easy to use

Opay is easy and fast. Sending and receiving money works quickly.
The app is simple. Even my mum can use it without calling me.

5
Date of experience: Aug 08, 2025
Loan Request Denial

Opay has been one of the best app ever. I really enjoy their services, no network delay in terms of money transactions and other services like airtime. But the only bad experience I have is that, they don't give loan easily to their regular customer. I have been seeking for urgent loan for some months now, but my loan offer is always declined. I wish I get a loan from them to run my business, and pay back installmetally. Thanks

4
Date of experience: Jul 25, 2025
Easy app

Opay is easy and fast. My money goes through quickly,
I don’t get stuck when sending or receiving money, it works well also the app is simple to use.

5
Date of experience: Aug 05, 2025
Cashback is a lifesaver

The cashback I get on airtime purchases makes me love Opay.
It really comes through on days I'm not stacked financially.
I love Opay.

4
Date of experience: Jun 12, 2025
Good app

Transactions is fast, the customer service representative are active to help... I have No fear in using Opay at all.

5
Date of experience: Aug 04, 2025
The interest rate is too high

The opay app is good both for receiving and transferring money it works really fine,but my issues is with the loan features,you claim that the Interest rate is 0.5% but in reality it is 2% which is quite high for a daily rate,you also said that paying on time will reduce the daily rate this need to be more transparent 🙏

2
Date of experience: Aug 04, 2025
Opay is a good bank app to use

Have been using opay for more than 3 years now, and I haven't gotten any issue with them
If I sent money it always went successful, even sometimes that it kee processing, I don't panic because I know they'll surely refund or successful
I rate them 5 star cox it worth it

5
Date of experience: Aug 03, 2025
Nice one

On Owealth investment on OPAY, I recieve daily bonus daily and I most use this to recharge my phone number.
Nice one Opay.

5
Date of experience: Aug 02, 2025
Opay is the jack of all trades that's master of all

Aside using my opay account for smooth transactions I never knew they also give out loans, it was just few weeks back that I was checking out the app and saw the option, I applied and they gave me 6k loan. Opay keeps surprising me.

4
Date of experience: Jul 23, 2025

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