Are you an OPay customer looking to own, activate and start using the OPay payment card, if this feels like you, this guide will show you how just to get started.
Opay is giving debit cards to every eligible customer. You can order the debit card and get it delivered to your house or area.
Before writing this article, I got my Opay card, so I will guide you on how to get yours.
If you think there is something special about the card, there is nothing special about it. It is just like other debit cards out there that can be used to withdraw money in ATMs or POS centers.

About OPay
OPay is a leading mobile outfit for payments, transfers, loans, savings, and other essential services for every individual considering the need to promote viral financial inclusion.
Given this, OPay provides financial services as well as doubles as a Fintech Company that can issue out a payment/debit card for its customers to complete payments for goods and services as well as withdraw cash and send money to friends and family quickly.
OPay is committed to deepening financial inclusion through technology and enabling shared prosperity, OPay prides itself to be more than a payment company as well as beyond banking.
Currently, OPay boasts 18 million registered app users as well as 500,000 agents in Nigeria who rely on its services to send and receive money, pay bills, and many more.
What is Opay ATM Card?
Opay debit card is just like other bank debit cards, you can withdraw from ATMs and any POS merchant.
The card was introduced in 2021 by Opay to reward customers when they make use of it.
Opay started as a mobile fintech, you can use it for sending and receiving money, purchasing airtime or data, and even saving your money and getting rewards.
The idea behind the Opay debit card is to give you more options, you can now withdraw directly from your Opay account.
Of course, you can withdraw from your Opay account before but either you send it to your bank with an ATM card or you withdraw from the Opay agent through transfer.
It is not possible before to withdraw directly from the Opay account, but it is possible now with the debit card.
The virtual card is mainly for online payments, you can purchase with the virtual card too virtually.
Features of OPay Atm card in Nigeria
- The OPay card allows you to complete purchases across e-channel terminals like; POS, web, ATM, etc.
- All transactions are denominated in NGN
- Widely acceptable in Nigeria since OPay is a duly licensed and approved Fintech company in Nigeria
- In even you lost your card, you do not stand a chance to lose anything
- Unlike other cards in Nigeria, you do not pay a maintenance fee on OPay card
- You get cash back on withdrawals, as well as receive free 90 transfers per month.
How to apply Or Get the Opay Atm card
Before you can apply for the Opay debit card, make sure that you are already an Opay customer, either stage 1, 2 of the KYC, or 3.
The default KYC (Know Your Customer) level is 1
Having signed up for an account, kindly follow the under-listed steps to request an OPay card.
Step one: Log in to your OPay account via the app on your phone
Step two: Click on the icon “Card” then click on “Request for OPay debit card,”
Step three: There’s a column for a referrer, kindly leave it blank
Step four: Select a location where you want your card sent, it’s called “Pick up location,” complete every detail as displayed on the form
Step five: You will be required to deposit N600, supposedly the ATM card fee. Your card will be mailed to your location and you are expected to receive it through courier service within 1 week of such application.
How long before the card gets delivered to you
I got mine within 2 weeks after I requested it, you should wait after your request. It takes about 2 days to get your card printed, and after it is printed it will be shipped to the address you provided.
I got a call from the dispatch rider and got my Opay debit card the same day. You should probably wait after requesting the card until you receive the call from the dispatch rider.
How to activate OPay card via the app
Having received your card, the next thing you will need to do is “Activate your card” to get it ready for use.
Kindly follow the below guidelines to activate your card
Your card activation is usually done via the OPay mobile app
- Open your OPay app, log in with your user details
- Click on “Card” as seen on the action page
- Click on “OPay debit card”
- You are required to enter the card’s Primary Account Number (PAN) otherwise referred to as the card number, this is the 16-digit number crested on your card, having entered your card number click on “Activate”
Opay card limits
Opay debit card limit depends on your KYC level, the KYC level 3 is the best if you want to break limits. KYC level 2 is better for the average customer.
The Opay debit card has lots of advantages and it has zero maintenance fees, something that banks don’t do. You still get cashback when you use the card and it is just amazing.
How to reset OPay card PIN
To reset your OPay card PIN kindly follow the below instruction
- Open your OPay app, log in with your user details
- Click on “Card” as seen on the action page
- Click on “Manage Card”
- Click on “Manage Pin”
- Click on “Change Card Pin”
- Enter the very new PIN you are looking to start using.
- Confirm the PIN in the next column and proceed
- You will receive an on-screen prompt that your PIN has been reset successfully.
- Start spending the money on your card now, congratulations.