OPay-We Are Beyond Banking App Support

What is OPay-We are beyond Banking? Description of OPay-We are beyond Banking 3835 chars

We are Beyond Banking
- OPay is licensed by CBN, insured by the NDIC and trusted by over 18 million users
- Easy and instant account opening with your phone number, NIN, BVN or other national means of verification, and enjoy an amazing welcome bonuses
- Manage all payments from one app and enjoy free transfers and transaction bonuses
- Free debit cards with bonuses
- Up to 15% annual interest on flexible savings with daily interest and unlimited withdrawal
- 24/7 Customer Support is always available for you
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MORE SERVICES
● 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 project 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 wedding, new car, new business, house rent, school fee, vacation 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 transfered and get daily return with up to 15% interest per annum on your savings.

For example:
Invest: ₦50,000 for one year on Fixed Savings
The amount of interest: ₦50,000x18%x365/365=₦9,000
The amount of return: ₦50,000+₦9,000=₦59,000
Note: Choose different products or maturities, the annualized interest rate may be different, but the calculation formula is the same.

● Various Loans
OKash：
Loan Products Tenure: We will require your repayment from 91 days to 365 days*. Loan Amount: from NGN 3,000 to NGN 500,000. Interest Rate: With a minimum of 0.1% up to 1% Our interest rate is calculated on a daily basis. Annual Percentage Rate(APR) from 36.5% to 360%.
An example of a OKash loan For example, 91-day loan payment terms，the interest is 9.1%. For the loan processed with a principal amount of NGN 3,000, the interest would be NGN 273,
the total amount due would be NGN 3,237.The total amount due in the first month would be N1,093, the interest would be N93, the total amount due in the
second month would be N1,090, the interest would be N90, the total amount due in the third month would be N1,090, the interest would be N90.

Easemoni:
Loan Amount: from NGN 3,000 to NGN 1,000,000.
Tenure: We will require your repayment from 91 days to 365 days.
Interest Rate: 5% to10% monthly , APR60%-120%
For example
91-days loan payment terms have a interest fee of 5% monthly .
For the loan processed with principal amount of ₦3,000;the interest would be ₦273; the total amount due would be ₦3,273.
Then first month repayment would be ₦1091.
repayment of second month would be ₦1091.
the third month repayment would also be ₦1091.

CONTACT US
We have a dedicated support team available 24/7 for all your questions and complaints.
Phone Number: 0700 8888328
WhatsApp: +234 916 599 8936
Website: https://opayweb.com
Email: [email protected]
Facebook: @Nigeria.OPay [www.facebook.com/Nigeria.OPay]
Instagram: @opay.ng [www.instagram.com/opay.ng/]
Twitter: @OPay_NG [www.twitter.com/OPay_NG]
Office Address: Alexander House, Otunba Jobi Fele Way, Ikeja Lagos, Nigeria.

Download OPay now!

OPay-We are beyond Banking App User Reviews

What do you think about OPay-We are beyond Banking app? Ask the appsupports.co community a question about OPay-We are beyond Banking!

OPay-We are beyond Banking Pros

✓ Transfer to Bank is now POROUSApparently couple since couple of days now I’ve been having difficulty making transfer greater than 999 to any accounts I just have to do any amount I want to transfer in multiple of 999 due to the upgrade on the account I don’t know why that should be or what probably should have happened.JUNi25AMVersion: 2.10.2

✓ Notifications issuesOPay needs to work on the notifications issues I don’t get notified whenever I am credited or debited Until I check balance or transaction history.Benjimilo550Version: 2.11.1

OPay-We are beyond Banking Cons

✗ Stay away from opayI paid my salary into opay and wanted to disburse it to my expense account and savings which I couldn’t, it’s my first time using opay which I successfully upgraded to kyc 2 but couldn’t upgrade to kyc 3 because they kept declining my application without telling me the reason why. Called and called their customer service and what they kept telling me was I couldn’t send out because I didn’t upgrade to kyc 3 which the difference from the kyc 2 was just the money limit on the app. They told me what to submit which I did submit directly to their email and the reply they were giving me was ohh this this issue is escalated then after that the issue has been solved and still I can’t send out. Please be careful of this so called bank if you don’t like headache and frustration..Badmus feyisaraVersion: 2.7.5

✗ Security and transfer issueWell you app is awesome, but please upgrade the app to use face or fingerprint to login the app just easily login and that makes the app insecure and and the account that was login same as the transfer issue when I transfer now the next transfer would bring out account number not found which is bad when I save my money for emergency issues and I can’t use it that’s bad that can lead me to close up my account and never use it again please fix those issues thanks.Bab's mieVersion: 2.4.3

1、SMS transaction alerts are now available. You can now subscribe to the SMS service using the OPay app. 2、Bug fixes and app optimization.