OPay APK (Android App)

OPay – The First Cashback Wallet in Nigeria (A Secure App That Makes You Pay Conveniently Anytime Anywhere!)

● Leading Mobile Payments Platform in Nigeria, with over 10 million users.
● Enjoy free bank transfers. There is no service fee.
● Get cashback when you pay Airtime, bills and more.
● Use our Savings feature to enjoy up to 20% annual interest.
● OKash and Easemoni effectively help you access credit anytime, anywhere.
● Chat with friends for free and create group chats with your friends and family on OPay.
● OPay attaches great importance to the protection of information, wallets and user privacy.

● Various flexible savings tools
Enjoy up to 20% annual interest rate, get professional financial management and reach your goals faster when you save with OPay.

OWealth Savings:
OWealth gives you a profit margin of at least 15% per year. You can withdraw your funds at any time with no additional fees.

Savings goal:
Goals is a goal finance product that allows you to create a savings goal unique to your situation and save disciplined monthly/weekly/daily. Target gives you 17% rate of return per year.

Fixed savings:
Investing in Fixed can get an annual rate of return of up to 18%. New users of Fixed can enjoy an exclusive 20% annual interest rate.

Spend & Save:
Spend & Save is a savings product of Blue Ridge microfinance bank included in OPay. it’s designed to help you get the most out of your money using a “save and earn as you spend” model.

For example:
Investment: 50,000 yen for one year
Amount of profit: 50,000×15% x365 / 365 = 7,500
Refund amount: ₦ 50,000 + ₦ 7,500 = ₦ 57,500
Note: Choose different products or maturities, the annual interest rate may be different, but the calculation formula is the same.

● Various Loans
Deadline: We will ask you for a refund between the 91st and the 365th day.
Loan amount: from ₦3,000 to ₦500,000.
Interest Rate: Min 0.1% to maximum 1% Our interest is calculated daily. Annual interest rates from 36.5% to 360%.
Initialization Fee: Ranges from 1,229 – 6,000 for a single charge
For example
The 91-day loan payment terms have a processing fee of 41% and an interest rate of 9.1%.
For loans processed with a principal amount of 3,000 yen; handling fee will be ₦1,229; interest will be ₦ 273; the total amount due will be ₦4,502.
The total amount due in the first month will be ₦1,512; handling fee will be ₦419; interest will be ₦ 93.
The total amount due in the second month will be ₦ 1,495; handling fee will be ₦405; interest will be ₦90.
The total amount due in the third month will be ₦ 1,495; the handling fee will be ₦405; interest will be ₦90.

Loan amount: from 3,000 NGN to 1,000,000 NGN.
Term: We will ask you for a refund between 91 days and 365 days.
Interest: 5% to 10% monthly, APR60% -120%
For example
91-day loan payment term with 5% monthly interest rate.
For a loan processed with a principal amount of 3,000 yen, the interest will be 273 yen; the total amount due will be ₦3,273.
After that, the first month’s repayment will be ₦1091.
the second month’s payoff will be ₦1091.
the third month’s repayment will also be ₦1091.
CreditMe is a ‘Buy Now Pay Later’ product on OPay, supporting transactions and withdrawals. We will charge you a small service fee each time you use CreditMe.

We have a dedicated support team available 24/7 for all your queries and complaints.
Our website: https://opayweb.com
WhatsApp: 2349066722924
Email: support@opay-inc.com or ng-support@opay-inc.com
Office Address: 16B Emina Cresent, Off Toyin Street, Ikeja, Lagos State, Nigeria
This APP is intended only for users 18 years of age and older.
Download the OPay app today!

Download Now at https://apkcombo.com/opay/team.opay.pay/


Linh is a Interreviewed U.S. News Reporter based in London. His focus is on U.S. politics and the environment. He has covered climate change extensively, as well as healthcare and crime. Linh joined Interreviewed in 2023 from the Daily Express and previously worked for Chemist and Druggist and the Jewish Chronicle. He is a graduate of Cambridge University. Languages: English. You can get in touch with me by emailing: linh@interreviewed.com.

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