The Truth About Why I Use Opay: A Shocking Review from a Nigerian User
- Simon Zaku
- Jun 6
- 6 min read
Hello, IbiFounder, I am Simon Zaku, Founder, CEO, IbiFoundry LLC, and today, I have something important to share with you about Opay — the platform that has changed how I send and receive money in Nigeria.
Can you imagine this? Just a few years ago, sending money in Nigeria felt like a whole journey — long queues, dodgy agents, high fees, and trust issues.
I lost money before because I trusted platforms that promised quick transfers but ended up charging crazy fees or delaying payments.
That frustration is what pushed me to try different services until I found Opay. From Lagos to Port Harcourt, from family support to business payments, Opay quickly became my go-to.
This review is not just another marketing fluff. I will break down exactly why Opay is the best platform for Nigerians like you and me.
I’ll share personal stories, insights, and practical tips. Are you with me? Read on.
Sneak peek: everything covered & what you’re about to discover
This blog will take you on a clear, no-BS journey of Opay and why it’s my number one for money transfers in Nigeria.
What is Opay and how it works (Understand the basics before you start)
How Opay makes money transfers cheap and fast (Saving your hard-earned naira)
My personal story of using Opay to pay family and friends (Real-life example from Lagos)
Opay’s safety and trust factors (Because security matters!)
Step-by-step guide: How to send money on Opay (Simple, clear instructions)
Comparing Opay with other platforms (Why it beats traditional banks and other apps)
Hidden fees and things to watch out for (Don’t get caught off guard)
Bonus: How to use Opay for business payments and bills (Make your hustle easier)
Final verdict and my recommendation (Straight talk, no hype)
The truth about Opay: why this app is winning hearts in Nigeria
If you’re like me, you’ve probably used different money transfer platforms before, and sometimes, the experience was stressful.
But Opay came through for me with a promise: simple, fast, and affordable transfers.
The first time I used Opay was to send money to my younger cousin in Ajegunle. He needed school fees urgently, and banks were closed.
With just my phone and a little airtime, I sent the money in under 5 minutes.
No long waits, no stress. That moment made me trust the platform.
Opay is a mobile money platform owned by Opera, a company many Nigerians already know from their popular internet browser.
So, it’s not some random startup; it’s a serious player.
What is Opay and how does it work?
Opay started as a mobile payment app designed to make financial transactions easier in Nigeria and other African countries.
You can use Opay to send money, pay bills, buy airtime, and even access loans. It links directly to your bank account or wallet balance, making transfers easy.
The app is straightforward to navigate, even if you’re not a tech expert. You just need a smartphone or feature phone with internet access.
How Opay makes money transfers cheap and fast
One major headache with Nigerian money transfers is the fees. Banks and other platforms charge you unnecessary amounts just to send money within the country.
Opay changed that. Their transfer fees are low or sometimes zero, especially for wallet-to-wallet transfers.
In 2023, the Nigerian Central Bank reported that digital payments have grown 40% in volume.
Opay is riding that wave by offering affordable options that encourage more Nigerians to go cashless.
Because Opay uses mobile money technology, transactions happen instantly.
You don’t have to wait for hours or days.
This is a lifesaver when emergencies come up.
My personal story with Opay: how it helped me help family
A while ago, my aunt called me late evening, needing urgent help for her hospital bills.
I was in my office, miles away, with no chance to run to the ATM or bank.
I opened Opay, transferred the money directly to her phone wallet, and confirmed she received it before sleeping. She later told me how fast the money arrived, and how the hospital accepted the payment without cash.
That experience showed me the power of digital finance in Nigeria’s fast-paced life.
Opay made it possible for me to be there for family, even when physically far.
Is Opay safe and trustworthy?
Security is a major concern when sending money online, especially in Nigeria where scams are rampant.
Opay uses bank-level encryption and multi-factor authentication to protect your account.
Also, it’s regulated by the Nigerian Central Bank, which means they follow strict rules.
When I was verifying my account, I noticed how they make KYC (Know Your Customer) easy but thorough.
Thousands of Nigerians trust Opay daily, which shows their reputation is solid.
How to send money on Opay: step-by-step guide
Download Opay app from Google Play Store or Apple App Store.
Register with your phone number and complete KYC verification.
Link your bank account or fund your Opay wallet with cash or bank transfer.
Choose the “Send Money” option.
Enter recipient’s phone number or Opay wallet ID.
Enter amount and confirm.
Wait for instant confirmation.
Easy, right? This process takes less than 5 minutes once you’re set up.
How Opay compares to other platforms in Nigeria
Banks vs Opay: Banks charge higher fees and require physical visits sometimes. Opay lets you do all from your phone.
Other mobile wallets (Paga, Quickteller): Opay often has lower fees and more user-friendly interface.
Traditional cash transfers: Opay eliminates risk of carrying cash.
What about hidden fees?
Opay is transparent about fees, but you should watch out for cash-in or cash-out charges depending on the agent or bank used.
For regular wallet-to-wallet transfers, fees are often zero.
How to use Opay for business payments and bills
If you run a small business, Opay helps you collect payments from customers easily.
You can also pay utility bills, buy airtime, or pay government fees. It’s like your all-in-one finance app.
Final verdict: why Opay is my number 1 platform for money transfers
From personal experience to user trust and affordability, Opay ticks all the boxes.
It’s fast, cheap, secure, and accessible.
Whether you need to send money to family in Ajegunle or pay your business bills in Abuja, Opay will not disappoint.
Are you ready to try Opay and experience hassle-free money transfers?
If you want to see how Opay stacks up for your needs, try it today and let me know your story.
Most popular questions and answers on Opay money transfers in Nigeria
Is Opay better than traditional bank transfers?
Yes, Opay is faster and often cheaper than bank transfers, especially for small amounts and wallet-to-wallet payments.
Can I use Opay without a bank account?
Yes, you can fund your Opay wallet with cash through agents or bank transfers, making it accessible even if you don’t have a bank account.
Are there any daily limits on transfers?
Yes, Opay has limits depending on your KYC level. Usually, the higher your verification, the higher your transfer limit.
How secure is my money on Opay?
Opay uses strong encryption, multi-factor authentication, and is regulated by the Nigerian Central Bank to ensure your funds are safe.
Does Opay charge fees for sending money?
Wallet-to-wallet transfers often have no fees, but cash-in and cash-out via agents may attract small charges.
Can I pay bills with Opay?
Yes, Opay allows you to pay utilities, buy airtime, and more directly from the app.
How do I cash out from Opay?
You can withdraw from your Opay wallet through partner agents or bank transfer.
Is Opay available outside Nigeria?
Opay operates primarily in Nigeria but also offers services in some other African countries.
What happens if my transaction fails?
Opay has customer support and usually refunds failed transactions promptly. Always keep your transaction ID.
Join IbiFoundry community
Want to become part of something truly revolutionary? Join the IbiFoundry Community today and become an official IbiFounder. We’re building Nigeria’s most active and empowering digital founders hub.
About the writer
Written & Published By:
Simon Taki Zaku,
Founder, CEO, IbiFoundry Limited
As seen on; Forbes, Pixelied, Amazon, InfinityBlogAwards, GlobalSocialMediaCoaching, NinjaOutreach, A1Future, Persuasion-Nation, and more.
About: Simon Taki Zaku is a serial entrepreneur, consultant, public speaker, and the founder & CEO of IbiFoundry LLC. He inspires, writes, teaches, and builds solutions around digital marketing, sales funnels, content marketing, and media strategy.
[If I am not researching on what to write about on IbiFoundry, I can be found playing table tennis].
Cheers, IbiFounder!
Talk to you soon (can't wait)
Learn more about me (Simon) by clicking here. https://www.ibifoundry.com.ng/about-simon-taki-zaku
Comments