OPay APK 4.33.3.4 (Android App)

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

ABOUT OPERATIONS
● 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.

MORE SERVICES
● 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
Okash:
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.

Easemoni:
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.

CONTACT US
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!