Opay debit card – how the obtain card, benefits over bank cards

Opay debit card
Opay debit card

Are you looking for an easy and secure way to access your money? Look no further! OPay has now introduced Opay debit card that makes it easy to manage and access your finances easier than ever.

With an Opay debit card, you can access your money online or offline anytime and anywhere you need it while also enjoying low to no transaction fees.

By the end of this explanatory guide, you will have known how to create an Opay account and how to get an Opay debit card. Without wasting any time further, let’s dive right in.

Opay is a leading digital payments platform in Africa that offers innovative financial solutions to its users. It was founded in 2018 and has rapidly grown to become one of the most trusted mobile money platforms in the continent, especially in Nigeria.

Read – The Nigerian eNaira – All You Need to Understand

Opay provides customers with convenient services such as money transfers, bank deposits, payment of bills, and mobile top-ups.

Additionally, the platform also offers access to investment products like mutual funds, stocks, and bonds.

For those looking for a convenient way to access their money, Opay recently launched its ATM card service. This card can be used to withdraw money from any local ATM or POS machine.

This allows customers to save time and money by avoiding long queues at traditional bank branches. Furthermore, the card can also be used to make purchases online or at stores that accept Visa payments.

How to get Opay debit card

Below is the step-by-step process to get an Opay debit card.

Make sure that you’ve already provided the KYC (Know Your Customer) details and your account is level 2 so you can be deemed eligible to request the Opay debit card.

  • Navigate to the Opay app and click it open
  • Tap on the “Cards” button in the bottom menu and choose to request the “physical” ATM card
  • You will be taken to a page where you will be required to input personal information such as your phone number, address and more
  • You’ll have to pay an N600 fee for them to start processing your ATM card request

Note that this fee will be returned back to your account after receiving and activating the card.

How to activate the Opay debit card

You will get a call to your phone number once the Opay debit card is available for pickup. After receiving the card, activation is the next step.

Login to your Opay account, tap on the “Cards” menu at the bottom of the screen and go to the “Activate Card” page.

Enter the required information in the provided input box and also set a security PIN CODE to fully secure your funds.

The card fee that was paid earlier will be returned back as cashback after the activation process is completed.

How to create an Opay account

You must be an Opay customer to request the Opay ATM card. Follow the outlined steps below to create an Opay account:

  • The most convenient way to create a free Opay account is through the mobile app. First, download and install the mobile app via the Google play store or Apple store
  • After installation, open the Opay app and enter your phone number to get an OTP (One Time Password)
  • Enter the OTP sent to you as SMS and also enter all required information such as your date of birth, full name, and address
  • Then click the “Sign Up” button on the last step. You should now be seeing a user dashboard

Make sure to further solidify your Opay account by filling in the KYC details.


How long does it take to get Opay debit card

Starting from the time of requesting an Opay physical card, it will take approximately 1(One) week for it to be available for pickup.

How much does Opay debit card cost?

The Opay debit card is free, however, you will pay a fee of N600 which will later be returned to your account after card activation.

Can Opay receive dollars?

As of the time of writing this guide, Opay cannot receive dollars. Only Nigerian Naira can be stored on the app.


Obtaining an Opay debit card is a great way to access and manage your money quickly and easily.

With just a few simple steps, you can get a card and begin using it to make transactions both online and in-store.

The process is quick, easy, and secure, allowing you to keep track of your finances without hassle. Kindly leave a comment below if you have any questions whatsoever.

Opay debit card
Opay debit card