Opay ATM card – OPay is a Nigerian-based fintech company that offers a range of financial services, including a mobile wallet, bill payments, and digital banking.
As part of its digital banking services, OPay offers an ATM card that can be used to withdraw cash and make payments at ATMs and POS terminals across Nigeria.
The OPay ATM card is a Visa card that can be used both locally and
internationally. The card can be linked to an OPay mobile wallet account, which
allows users to easily transfer funds from their wallet to the card for use at
ATMs and POS terminals.
To obtain an OPay ATM card, users must first download the OPay app and
register for an account. Once the account is set up, you can apply for an ATM
card within the app. The card is then delivered to your registered address
within a few days.
The OPay ATM card offers a convenient and secure way for users to access
cash and make payments without carrying large amounts of cash.
Benefits of Using an OPay ATM Card
There are several benefits to using an OPay ATM card:
Convenience: With an OPay ATM card, users can withdraw cash and make payments at any ATM or POS terminal that accepts Visa cards, which is a widely accepted payment method in Nigeria.
Security: Using an OPay ATM card reduces the risk of carrying large amounts of cash, which can make users vulnerable to theft or robbery.
Accessibility: OPay ATM cards can be obtained easily by downloading the OPay app and registering for an account. Users can apply for the card within the app, and it is delivered to their registered address within a few days.
Flexibility: The OPay ATM card can be used both locally and internationally, allowing users to make payments and withdraw cash when traveling abroad.
Integration with OPay Wallet: The OPay ATM card can be linked to an OPay mobile wallet account, allowing users to easily transfer funds from their wallet to the card for use at ATMs and POS terminals.
Benefits of OPay ATM Card for Small Businesses
The OPay ATM card can be a valuable tool for small businesses in several ways. Here are some benefits of using the OPay ATM card for small businesses:
Easy and Convenient Access to Funds: Small business owners can use the OPay ATM card to easily access funds in their OPay wallet or bank accounts. The card can be used to withdraw cash at ATMs and make payments at POS terminals, providing a convenient way to manage cash flow and make transactions.
Secure Transactions: The OPay ATM card is equipped with advanced security features, such as chip and PIN technology, that help to prevent fraud and protect sensitive information. This provides small business owners with peace of mind when making transactions.
Low Fees: The OPay ATM card has low fees for transactions, such as ATM withdrawals and POS payments. This makes it an affordable option for small businesses that are looking to save on transaction costs.
Increased Sales: By accepting the OPay ATM card as a payment method, small businesses can increase their sales and attract new customers who prefer to use card payments instead of cash.
Access to Discounts and Promotions: OPay may offer discounts and promotions for businesses that use its ATM card as a payment method. This can help small businesses save money and increase their profitability.
Requirements for obtaining an OPay ATM card
To obtain an OPay ATM card, you will need to meet the following requirements:
A valid OPay account: To apply for an OPay ATM card, you will need to have a verified OPay account. You can create an account by downloading the OPay app from the Google Play Store or Apple App Store, registering for an account, and verifying your account with a valid ID card.
A valid ID card: You will need to provide a valid ID card to verify your OPay account and apply for an ATM card. The acceptable ID cards include a Nigerian National ID card, Driver’s License, or International Passport.
A registered address: You will need to have a registered address within Nigeria to receive your OPay ATM card. During the application process, you will need to provide your full address details.
A smartphone: You will need a smartphone to download the OPay app and apply for an ATM card.
Internet connection: You will need a stable internet connection to download the OPay app, register for an account, and apply for an ATM card.
How to Get an OPay ATM Card
To get an OPay ATM card, follow these steps:
Download the OPay app: The OPay app can be downloaded from the Google Play Store or the Apple App Store. Install the app on your phone and register for an account.
Verify your account: To verify your account, provide your details such as your name, address, and phone number, and submit a valid ID card. The ID card can be a Nigerian National ID card, Driver’s License, or International Passport.
Apply for an ATM card: Once your account is verified, go to the “Cards” section of the app and apply for an ATM card. You will need to provide your details, such as your name, date of birth, and address, as well as your preferred card type.
Wait for delivery: After submitting your application, your OPay ATM card will be processed and delivered to your registered address within a few days. You will receive a notification on the app when your card is dispatched and when it is delivered.
Activate your card: After receiving your OPay ATM card, activate it by logging into your OPay account and following the activation process. Once your card is activated, you can start using it to make payments and withdraw cash at ATMs and POS terminals.
Getting an OPay ATM card is a straightforward process that can be completed within a few steps on the OPay app.
How to activate Opay ATM card
To activate your OPay ATM card, follow these steps:
Log in to your OPay account: Open the OPay app on your smartphone and log in to your account using your registered phone number and password.
Click on “Cards”: Once you are logged in, click on the “Cards” icon on the home screen of the app.
Select “Activate Card”: On the “Cards” screen, select the “Activate Card” button next to your OPay ATM card.
Enter your card details: On the “Activate Card” screen, enter your OPay ATM card details, including the 16-digit card number, expiry date, and CVV.
Set your PIN: After entering your card details, set a 4-digit PIN for your OPay ATM card. This PIN will be required to make transactions with your card.
Confirm activation: Once you have set your PIN, click on “Activate Card” to confirm the activation of your OPay ATM card.
Start using your card: After activating your OPay ATM card, you can start using it to make transactions at ATMs and POS terminals that accept Visa cards.
Fees associated with getting an OPay ATM card
OPay charges a fee of N700 to N1,000 for the issuance of its ATM card. Additionally, there may be other fees associated with using the OPay ATM card, including:
ATM withdrawal fees: OPay ATM cardholders are charged a fee for withdrawing cash from ATMs. The fee varies depending on the ATM, but it is typically between N65 and N150 per transaction.
POS transaction fees: When using the OPay ATM card for payments at POS terminals, a fee of 0.5% of the transaction amount is charged.
Card replacement fees: If your OPay ATM card is lost, stolen, or damaged, a replacement card will cost N1,000.
International transaction fees: When using the OPay ATM card to make transactions outside Nigeria, a fee of 1.5% of the transaction amount is charged.
It is important to note that these fees are subject to change and may vary depending on the location and specific terms and conditions of the OPay ATM card.
It is recommended that you review the fees associated with the OPay ATM card before applying for it.
How to top-up your OPay ATM card
To top-up or fund your OPay ATM card, you can follow these steps:
Log in to your OPay account: Open the OPay app on your smartphone and log in to your account using your registered phone number and password.
Click on “Wallet”: Once you are logged in, click on the “Wallet” icon on the home screen of the app.
Select “Fund Card”: On the “Wallet” screen, select the “Fund Card” button next to your OPay ATM card.
Enter the amount: On the “Fund Card” screen, enter the amount you want to top-up your OPay ATM card with.
Select payment method: Next, select the payment method you want to use to fund your OPay ATM card. OPay supports bank transfers, card payments, and OPay wallet transfers.
Follow the prompts: Depending on the payment method you choose, you may need to follow the prompts to complete the transaction. For bank transfer, you will need to provide your bank account details, and for card payment, you will need to enter your card details.
Confirm the transaction: After entering the required details, confirm the transaction to complete the top-up of your OPay ATM card.
Once your OPay ATM card is funded, you can start using it to make transactions at ATMs and POS terminals that accept Visa cards.
How to use your OPay ATM card for online shopping
You can use your OPay ATM card to make online purchases on websites that accept Visa cards. To use your OPay ATM card for online shopping, follow these steps:
Ensure that your OPay ATM card is funded: Make sure that your OPay ATM card has sufficient funds before making any online purchases.
Find a website that accepts Visa cards: Look for online stores or e-commerce platforms that accept Visa cards as a payment option. Some popular websites that accept Visa cards include Amazon, Jumia, Konga, and AliExpress.
Select items to purchase: Browse through the website and select the items you want to buy.
Proceed to checkout: Once you have added all the items to your shopping cart, proceed to the checkout page.
Select Visa card as a payment method: On the checkout page, select Visa card as your payment method.
Enter your OPay ATM card details: Enter your OPay ATM card details, including the 16-digit card number, expiry date, and CVV.
Enter your billing information: Enter your billing information, including your name, address, and phone number.
Confirm the transaction: Review the details of your purchase and confirm the transaction to complete the payment.
Once the transaction is confirmed, you should receive a confirmation message from the website indicating that your order has been placed.
It is important to keep a record of the transaction details for future reference. Also, be aware that there may be additional fees associated with using your OPay ATM card for online shopping, such as international transaction fees or processing fees charged by the website or e-commerce platform. Be sure to review the fees before making any purchases.
Common issues with OPay ATM cards and how to troubleshoot them
Here are some common issues with OPay ATM cards and how to troubleshoot them:
Card not working: If your OPay ATM card is not working, the first step is to check if it is activated. If it is activated, ensure that it is properly inserted into the ATM or POS terminal. If the card still does not work, contact OPay customer service for assistance.
Transaction declined: If your OPay ATM card transaction is declined, check if you have sufficient funds in your OPay wallet or bank account. Also, check if you have exceeded your daily transaction limit. If these are not the issues, contact OPay customer service to resolve the issue.
Card blocked: If your OPay ATM card is blocked, it may be due to security reasons, such as suspected fraud or unauthorized use. Contact OPay customer service to resolve the issue.
PIN issues: If you forget your OPay ATM card PIN or if it is not working, you can reset it by following the prompts on the ATM or contacting OPay customer service.
Lost or stolen card: If your OPay ATM card is lost or stolen, contact OPay customer service immediately to block the card and prevent unauthorized transactions.
Invalid card number: If you receive an error message indicating an invalid card number, check if you have entered the correct card number. If the issue persists, contact OPay customer service for assistance.
In general, if you encounter any issues with your OPay ATM card, the best course of action is to contact OPay customer service for assistance. They can help you troubleshoot the issue and resolve it as quickly as possible.
How long does it take for the OPay card to be delivered?
It takes about 2 days to get your card printed, and after it is printed it will be shipped to the address you provided. Sometimes you get a call from the dispatch rider and get your Opay debit card the same day.
Can OPay debit cards be used for international transactions?
Yes, the OPay debit card can be used for international transactions. The card is a Visa card and can be used to make payments and withdrawals at ATMs that accept Visa cards worldwide.
However, please note that there may be additional fees associated with international transactions, such as foreign exchange fees and international transaction fees.
It is important to review the fees associated with using the OPay debit card for international transactions before making any purchases or withdrawals.
Additionally, it is advisable to inform OPay of any international transactions you plan to make to prevent any security issues or transactions being declined due to suspected fraud.
Can I use OPay without an ATM card?
You can conveniently make cardless withdrawals for your customers with the OPay USSD Withdrawal Service using your POS terminal.
Who is the owner of OPay?
OPay was founded in 2018 by Opera Norway AS Group, which is owned by Shenzhen-listed Kunlun Tech Co., Ltd.
Is OPay card a MasterCard or Visa?
Mastercard has partnered with OPay, a seamless mobile money service provider, to grow a cashless ecosystem and advance digital financial inclusion for millions of people across the middle East and Africa.20 May 2022
Can I use OPay to receive money from abroad?
OPay is providing a fast, convenient, and affordable way to receive money from abroad without leaving the comfort of your home. You can withdraw from a nearby agent or save in the app to make more money.
How much can an OPay account hold?
Opay can hold an unlimited amount of money.