Download Opay App 2.29.2, Earn Money Via Referral Program

Download Opay app for Android to pay your bills, buy airtime, data etc at cheaper rate. The referral program allows you earn money when you refer your friends to download Opay apk app. In fact, you can earn over 900,000 Naira through “Opay referral program”. The secret is just get enough people to download the app and use your referral code because once done, both you and your friend gets bonuses. Offered by Opay Digital Services Limited, Opay Apk is a multipurpose mobile app that help you perform multiple transactions online with your phone at a cheaper rate without additional costs.

Over one Million users now rely on OPay every day to carry out flawless transactions, such as cheap bike ride, tricycle, and bus-hailing services, quick loans, and food delivery, scan payment, money transfer, and withdrawals, buy airtime, data and pay utility bills, fund your bet 9ja account, Pay cable subscription and order food and groceries. OPay has become a super app in Nigeria in a very short time. Additionally, content creators at Opera Hub gets paid straight to their Opay account and the money can be cashed out to their bank accounts or used to perform other transactions via the app.


Download opay app

After a Group of Chinese Internet firms acquired Opera Software in 2016 for $1.2B, the company has witnessed a significant growth and has launched series of tech services which Opay is the skeleton. In fact, 90% of all Opera products are available or can be accessed through Opay app.

The recent update of Opay comes loaded with a referral program, which lets existing user refer their friends into using Opay, and they get paid immediately for referring. This is a huge opportunity to make a huge amount of money via the OPay.

Opay App Details

App Name Opay
Developer OPay Digital Services Limited
App Size 28.96MB
Platform Android
Category Finance, Ecommerce
Installs 1,000,000+
Updated March 31, 2020
Release Date June 8, 2018
In-app Purchases No
Rating 4.3/5
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Features Of Opay App

The app comes with a lot of features but here are the most important features.

Hail a bike (ORide):

With OPay you can hail a bike and pay instantly from your OPay account. Refer a friend to use ORide and you get coupons to enjoy free rides with ORide.

Payment by scanning (OPay QR):

You can pay and receive money by just scanning the OPay QR code, without cash. It’s very convenient, fast, safe and free of charge.

Mobile data (Airtime):

Purchase airtime for family or friends from any network with the OPay app.

Send and request money (Transfer):

Choose from your contact book or type in a phone number to send or request money for free.

Multiple funding options (Add Money):

Funding your wallet is so easy. You can fund from your bank app or by adding your cards.

Subscribe for cable TV (TV):

You can pay for your GOTV, DSTV and STARTIMES subscription using OPay and the beauty is we don’t charge any convenience fee.

Electricity bill (Electricity):

You can pay for your prepaid electricity with OPay and we don’t charge any convenience fee.

Order food (OFood)

You can order food from your favourite and best restaurants from the OPay app.

Cash in/out:

Find a nearby agent on the app to cash in or cash out for unbanked users


Fund your Bet9ja and SupaBet wallet from your OPay

Hail a bus (OBus):

You can hail a public bus from OBus for a safe, comfortable and affordable, which can aid payment and ease the stress of commuting in Lagos

Capital Investment (OWealth):

You can use OPay’s investment platform OWealth for investment where you can invest as low as N500 and receive returns on your investment

How To Download Opay App on Android & iOS

  1. Download Opay App Here for Android. Or Get Opay for iOS Here.
  2. Locate the folder in your File Manager where the apk file was saved.
  3. Tap on it to start installation process.
  4. Once it’s installed, locate it in app drawer and launch the app.

How To Sign Up And Earn From OPay App

For you to earn from Opay app referral program, you need to follow the simple rules as listed below.

  1. Download the OPay app for Android and iOS Devices via the link posted above.
  2. Sign up and enter your mobile number upon registration and a unique code will be sent to you via SMS for verification purposes.
  3. Enter the code and other details such as your email, date of birth, etc to continue your registration.
  4. Now enter DNJTP39 as your event referral code to complete your registration.
  5. After that, create a six-digit number (password) which you will be using to login to the app anytime.


Enter this referral code DNJTP39 in order to be rewarded with the sign up bonus and make sure you fund your account with at least N100 to activate it.

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You earn from N310 to N470 for each referral. It’s called your “referral bonus” on Opay referral program.

Opay referral bonuses

How To Refer And Earn From OPay

Some people asked to know where to find their Opay referral code so this is it.

  1. After successfully downloading completing the registration on the app.
  2. Click on Cashback icon which can be found at the top right corner of the app.
  3. Now just tap on Refer and Earn.
  4. Your dashboard will opened to reveal your referral code which you can copy and also share with your friends.

Refer and earn on opay

The more you refer, the more you earn on the OPay referral program. Remember that each referral bonus goes from N310 to N470 depending on your referral level.

How To Cash Out Your Money

To cash out or withdraw your Opay money to your bank account, follow this guidelines;

  • Open Opay App
  • Login with your 6-digit password
  • Click on “Transfer”
  • Then select “transfer to bank account”
  • Now enter your “bank name”, “account number”, and “amount” you want to transfer.
  • The money will be transferred immediately to your bank.

Transfer money

Transfer opay money to bank

That’s how to cashout your opay fund to your bank account. As you can see, it’s easy and smooth.

Note that from this “transfer to bank account” tab, you can also fund or transfer money to other opay account or to another friend.

How To Buy Airtime & Data With Opay App

  • Launch Opay App
  • Login with your 6-digit password
  • In the homepage, click “airtime/data”
  • Now select your preferred network and the amount of Airtime or data you want to buy as seen in the image below.

Buy airtime on opay


Opay offers you cheaper data plans and airtime purchases. On Opay, this is what you get using MTN as example;

For MTN Airtime

  • N50 airtime costs N48.5 on Opay
  • N100 airtime costs N97 on Opay
  • N200 airtime costs N194 on Opay
  • N500 airtime costs N490 on Opay
  • N1000 airtime costs N980 on Opay
  • N2000 Airtime costs N1980 on Opay.

For MTN Data

  • N50MB costs N50 ( 1 day plan)
  • 75MB costs N100 (1 day plan)
  • 1GB for N350 (1 day plan)
  • 150MB costs N200 (2 days plan)
  • 350MB for N300 (7 days plan)
  • 750MB for N500 (7 days plan)

How To Withdraw Opay Cash Through Agents

You can also withdraw your fund with the help of the nearest Opay agent.

  • Open the Opay apk
  • Click on “withdraw cash”
  • Then click on “withdraw”
  • Now enter the agent’s “phone number”
  • Then select the amount you want to withdraw ranging from N100 to N5000. You can also manually enter the amount in the field named “enter amount”.
  • After that, click “done”.

Note that once the agent phone number is entered correctly, his or her name will display immediately in the app.

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How To Make Cable TV Payment With Opay App

Opay currently supports DStv, GOtv and Startimes subscriptions via the app. So this is how to subscribe for your cable TV services using Opay.

  • Launch the app
  • Login with your password
  • Click on “TV”
  • Select DStv, Gotv or Startimes accordingly
  • Enter your “Smartcard number”
  • Click “Next”
  • Select your package (Bouquet)
  • Then click done.

Cable TV subscription

Your cable TV will be recharged immediately.

How To Pay for Electricity Bill Using Opay App

  • Open the app
  • Login with your password
  • Click on “Electricity”
  • Select your preferred electricity company (e.g. Abuja Electricity, Eko electricity, Ibadan electricity, Ikeja Disco, Enugu Disco, Kano Electricity, or Port-Harcourt electricity)
  • Now enter your payment plan (prepaid or postpaid)
  • Select the type of your meter (STS Prepaid or Smart Meter
  • Enter meter number
  • Then enter amount to pay.
  • Then click “next” to complete the transaction.

Other Things You Can Do With Opay App for Android & iOS

Funding of your Bet9ja account and other betting accounts.

Booking Otrike.

Booking Oride.

Loaning of Money.

Depositing of cash.

Becoming an Opay agent.

OPay App Permissions

  • Add or modify calender events and send email to guests without owners’ knowledge.
  • Read calendar events and details.
  • Take pictures and videos.
  • Read your contacts.
  • Find accounts on the device.
  • Access precise location (GPS and network-based)
  • Access approximate location (network-based)
  • Record audio.
  • Read phone status and identity.
  • Read your text messages (SMS or MMS)
  • Receive message (SMS)
  • Modify or delete the contents of your SD card.
  • Read the contents of your SD card.
  • Run foreground services.
  • The app can appear on top of other apps.
  • It can run at startup.
  • It can view network connections.
  • It can prevent phone from sleeping.
  • View Wi-Fi connections.
  • Receive data from the internet.
  • Control phone vibration.
  • Connects and disconnects from Wifi.
  • Have full network access.
  • Retrieve running apps.
  • Play install referrer API.
  • Access extra location provider commands.

What’s New in This Version

OPay]You can get ocoins in equity center.
[OPay]You can share event link to your friends.
[ORide]We have discounted the price and optimized the price experience



Having seen all these features of Opay, I believe it’s a must-have app to complete your daily transactions. It’s not only simple to use but also cheaper and you can also make a living through the Opay referral program.

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