Do you want to know the code on how to open an OPay account on the phone without BVN online, upgrade, and retrieve an account without a phone number and email?
If YES, then this is the only post to read.
Getting started…
How to Open OPay Account on Phone
Here are the two ways to open an OPay account on your phone:
1. OPay App
- Download the OPay app from the Google Play Store or the Apple App Store.
- Open the app and tap on the “Create Account” button.
- Enter your phone number and password.
- Verify your phone number by entering the OTP that is sent to your phone.
- Enter your name, email address, and date of birth.
- Read and agree to the OPay terms and conditions.
- Tap on the “Create Account” button.
2. OPay Website
- Go to the OPay website.
- Click on the “Create Account” button.
- Enter your phone number and password.
- Verify your phone number by entering the OTP that is sent to your phone.
- Enter your name, email address, and date of birth.
- Read and agree to the OPay terms and conditions.
- Click on the “Create Account” button.
You can instantly open an OPay account with just your phone number, NIN, BVN or other valid IDs.
Once you have created an OPay account, start using the app to send and receive money, pay for goods and services, and more.
Here are the benefits of opening an OPay account:
- Send and receive money quickly and easily.
- Pay for goods and services with your OPay account.
- Use your OPay account to make payments for utilities, bills, and more.
- Earn cashback when you use your OPay account.
- Access OPay financial services, such as loans and savings accounts.
It is currently possible to open an OPay account without a BVN.
If you have an OPay account without BVN, there are certain limitations to the amount of money you can deposit into the account.
This is because the Central Bank of Nigeria (CBN) has set a limit on the amount of money that can be held in an account without BVN.
The maximum amount that can be held in an OPay account without BVN is ₦300,000.
Also, the daily transaction limit on the OPay account without BVN is ₦50,000.
The reason for this limitation is to prevent fraudulent activities and money laundering.
By restricting the amount of money that can be held in an account without BVN, CBN can reduce the risk of financial crimes.
To add BVN to your OPay account, follow these steps:
- Open the OPay app and log in to your account.
- Click on the ‘Me’ icon in the bottom right corner of the app.
- Click on your profile image at the top of the page.
- Click on ‘Upgrade’ and enter your BVN.
- Click on ‘Verify BVN’ and wait for the verification process to complete.
- Once the verification is successful, start using your OPay account with no limitations.
How to Open OPay Account Without BVN
You can open an OPay account without a BVN.
However, there are some limitations to this type of account.
Here are the steps to open an OPay account without a BVN:
- Download and open the OPay app on your phone.
- Tap on the “Create an Account” button.
- Enter your phone number and click on “Continue”.
- Enter the OTP that is sent to your phone.
- Enter your name and email address.
- Create a password.
- Click on “Create Account.”
An OPay account without BVN cannot have a maximum account balance of ₦300,000.
With this Tier 1 account, you cannot keep a balance of more than ₦300,000 unless you upgrade it to Tier 2.
Also, an OPay account without a BVN has a daily transaction limit of ₦50,000.
With this account, you cannot transfer, deposit, or receive more than ₦50,000 in a single transaction.
For instance, you cannot transfer ₦60,000 to this account unless you upgrade your OPay account.
Code to Open OPay Account
Follow these steps to open an OPay account with the USSD code:
- Dial *955# on your phone.
- Select the option to create an account.
- Enter your phone number and click on “Continue”.
- Enter the OTP that is sent to your phone.
- Enter your name and email address.
- Create a password.
- Click on “Create Account.”
Your OPay account will be created.
You will use it to send and receive money, pay bills, and buy airtime and data.
However, you will have a maximum account balance of ₦300,000 and a daily transaction limit of ₦50,000.
To upgrade your account to a Tier 2 account, provide your BVN.
How to Remove BVN from OPay Account
You cannot remove your BVN from your OPay account.
Your BVN is a unique identifier that is used to verify your identity and to comply with the Central Bank of Nigeria’s (CBN) regulations.
CBN requires all financial institutions to verify the identity of their customers using BVN.
If you want to close your OPay account, follow these steps:
- Open the OPay app.
- Tap on the “Profile” tab.
- Tap on “Settings”.
- Scroll down and tap on “Close Account”.
- Enter your password and tap on “Submit”.
Once you have closed your OPay account, your BVN will still be associated with your account.
However, you can no longer use your OPay account.
If you have questions about closing your OPay account, contact customer support.
How to Upgrade OPay Account
There are two ways to upgrade your OPay account: through the app or the website.
1. Upgrade through the OPay App
- Open the OPay app.
- Tap on the “Profile” tab.
- Tap on “Upgrade Account”.
- Enter your BVN.
- Upload a clear photo of your ID card.
- Tap on “Upgrade”.
2. Upgrade through the OPay Website
- Go to the OPay website.
- Click on the “Upgrade Account” link.
- Enter your BVN.
- Upload a clear photo of your ID card.
- Click on “Upgrade”.
Once you have upgraded your OPay account, you will enjoy these benefits:
- Higher daily transaction limits.
- Ability to send and receive larger amounts of money.
- Ability to access more features and services.
Can I Have Two OPay Accounts?
You can have two OPay accounts.
However, you can only have one OPay account per phone number.
If you try to create a second OPay account with the same phone number, you will receive an error message.
To create a second OPay account, use a different phone number.
You can also use a different email address and date of birth.
You will need to provide the same BVN for both accounts.
There are a few reasons to have two OPay accounts.
Have one account for personal use and one account for business use.
Or, have one account for sending money to friends and family and one account for investing.
There are also some risks associated with having two OPay accounts.
If you lose your phone or if your phone is stolen, you could lose access to both accounts.
If you use the same password for both accounts, and someone gains access to one account, they could gain access to both accounts.
If you decide to create a second OPay account, protect your accounts.
Use strong passwords and enable two-factor authentication.
Be sure to keep your phone safe.
How to Retrieve OPay Account
To retrieve your OPay account, follow these steps:
- Go to the OPay website or app.
- Click on the “Forgot Password” link.
- Enter your phone number and click on “Submit”.
- OPay will send you an SMS with a link to reset your password.
- Click on the link in the SMS and enter your new password.
- Click on “Submit”.
Once you have reset your password, you will log in to your OPay account.
Note
- You can only retrieve your account if you have access to your phone number.
- If you have changed your phone number, update your phone number in your OPay account before you can reset your password.
Transfer Money from GTBank to OPay Account
Here are the ways to transfer money from GTBank to OPay account:
1. GTBank USSD
Dial *737# on your phone and select the option to transfer money to another bank.
Enter your OPay account number and the amount you want to transfer.
You will then be prompted to enter your GTBank PIN.
Once you have entered your PIN, the transfer will be processed.
2. GTBank Mobile App
Open the GTBank Mobile App and select the “Transfer” tab. Select the “Bank Transfer” option and enter your OPay account number.
Enter the amount you want to transfer and confirm the transaction.
3. GTBank Internet Banking
Log in to your GTBank Internet Banking account and select the “Transfer” tab.
Select the “Bank Transfer” option and enter your OPay account number.
Enter the amount you want to transfer and confirm the transaction.
4. OPay App
Open the OPay App and select the “Bank Transfer” tab.
Select the “GTBank” option and enter your GTBank account number.
Enter the amount you want to transfer and confirm the transaction.
The transfer fee for transferring money from GTBank to OPay account is ₦10.
How to Withdraw from Bet9ja to OPay Account
To withdraw money from Bet9ja to your OPay account, follow these steps:
- Log in to your Bet9ja account.
- Click on the “Withdraw” tab.
- Select “OPay” as your withdrawal method.
- Enter your OPay account number and your OPay PIN.
- Enter the amount you want to withdraw.
- Click on “Withdraw”.
- The withdrawal will be processed instantly, and the funds will be credited to your OPay account within a few minutes.
Why You Can’t Transfer Money from Your OPay Account
There are a few reasons you might not transfer money from your OPay account.
Here are some of the most common reasons:
1. Your account is not verified.
Your OPay account must be verified before you can transfer money.
You can verify your account by entering your BVN and uploading a clear photo of your ID card.
2. You have exceeded your daily transfer limit.
OPay has daily transfer limits for each account.
If you have exceeded your daily transfer limit, you cannot transfer money until the next day.
3. You are trying to transfer money to a blocked account.
OPay may block accounts that are suspected of fraudulent activity.
If you are trying to transfer money to a blocked account, the transfer will not be successful.
4. There is a technical issue.
There may be a technical issue that is preventing you from transferring money.
Can OPay Account Receive Dollars?
With the help of the partnership between OPay and WorldRemit, you can receive money from over 50 countries abroad including the United States, Australia, United Kingdom and Canada, and in major currencies including USD, GBP, CAD, AUD, EURO, YEN directly into your OPay mobile wallet.
This service is only available to all OPay users on KYC 2 level (Tier2) and above.
Follow these steps to receive money from abroad to your OPay account:
- Login to your OPay account via app using your user ID and password.
- Copy your account details.
- Send your OPay account details to the person sending you money from abroad.
- The sender makes use of WorldRemit to complete the transfer.
Before you can receive money from abroad to your OPay e-wallet, provide this information to your senders because it’ll be required when they’re making the transfer on WorldRemit.
- Legal Full Names.
- Residential Address.
- Mobile Money Account Number.
- Valid Phone Number.
Do note that dollars received will be converted to the equivalent in Naira before it’s been credited to your OPay account balance.
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