How to Open Opay Account Without BVN

OPay is a mobile money platform that allows users to send and receive money, pay bills, and buy airtime without having to go to a bank. In recent years, OPay has become increasingly popular in Nigeria, with over 10 million users.

One of the benefits of using OPay is that you do not need a Bank Verification Number (BVN) to open an account. This makes it easy for anyone to get started with OPay, even if they do not have a bank account.

In this blog post, we will discuss How to Open Opay Account Without BVN

What exactly is the BVN, and why is it so important?

Every customer of a bank in Nigeria is given a Bank Verification Number (BVN), which is an 11-digit identification number that is completely unique to that customer.

Customers of the bank will have their fingerprints and their faces analysed by a biometric identification system to ensure that they are who they say they are. In 2014, the Central Bank of Nigeria (CBN) initiated the use of the Bank Verification Number (BVN) in order to assist in the fight against financial fraud and to improve the effectiveness of the banking system.

The BVN is important for several reasons. To begin, it is beneficial in the fight against fraud. When a customer's bank account is linked to their BVN, it is far more challenging for a third party to open a fraudulent account in the customer's name. Second, the BVN contributes to the increased efficiency of the financial system as a whole.

When a bank is able to confirm a customer's identity using their BVN, the bank does not need to request numerous forms of identification from the consumer, which helps save both time and money. Thirdly, the BVN may assist in facilitating easier access to various financial services.

The Bank Verification Number (BVN) is a system that can assist in lowering the rate of individuals who are financially excluded in Nigeria by making it simpler for individuals to register bank accounts.

How to Open opay account without BVN

Here are the steps on how to open an OPay account without a BVN:

        Download the OPay app from either the Google Play Store or the Apple App Store, and then you can install it on your mobile device.

        Launch the application, then select the "Register" button.

        After entering your phone number, be sure to click "Next."

        In the box that appears, type in the verification code that was delivered to your phone, and then click "Next."

        Click the "Next" button when you have finished entering your personal information, such as your name and birth date.

        Select a password for your account, and then click the "Next" button.

        You will be prompted to link your bank account to OPay; however, you can bypass this step entirely by clicking on the "No Bank Account" button.

        You will be required to present a valid form of identification, such as a national identification card, driver's licence, or foreign passport, among other options. Please ensure that the image of your identification is clear before clicking the "Submit" button.

        Your account will be examined, and once it is deemed suitable for use, you will be notified of this fact. The duration of this process is typically shorter than twenty-four hours.

How to Open An Opay Account With USSD Code Without BVN

To open an OPay account with USSD code without BVN, follow these steps:

        Dial *955# on your phone.

        Select the option to create a new account.

        Enter your phone number and a password.

        You will receive a verification code on your phone. Enter the verification code.

        You will be able to use your OPay account without a BVN.

How to Add Money to Your OPay Account

There are many ways to add money to your OPay account. Here are a few of the most popular methods:

        Bank transfer: You can transfer money from your bank account to your OPay account using the OPay app. This is a quick and easy way to add money to your account, and it is usually free of charge.

        ATM: You can also add money to your OPay account using an ATM. Simply insert your ATM card and select the "OPay" option. You will then be able to enter the amount of money you want to add to your account.

        POS: You can also add money to your OPay account using a POS machine. Simply scan the QR code on the OPay app and enter the amount of money you want to add to your account.

        Direct deposit: If you have a regular income, you can set up direct deposit from your employer to your OPay account. This is a convenient way to add money to your account without having to do anything.

        OPay agent: You can also add money to your OPay account at any OPay agent location. Simply present your OPay app to the agent and pay the required amount.


How can I open an OPay account?

To open an OPay account, you can download the OPay app on your smartphone and follow the instructions on the app. You will need to provide your phone number, name, and date of birth. You will also need to create a password and answer a few security questions.

What is the full name of OPay?

The full name of OPay is Opera Payment. It is a digital payment and financial technology company that was founded by Opera Software. OPay offers a variety of services, including mobile money, bill payments, and online shopping.

Which bank is OPay under?

OPay is not under any specific bank. It is a standalone company that offers its own financial services.

Which bank owns OPay in Nigeria?

OPay is not owned by any bank in Nigeria. It is a privately held company that is headquartered in Lagos.

Which app is better than OPay?

There are a number of apps that offer similar services to OPay. Some of the most popular alternatives include: Paga, PalmPay, etc.

Are there any limitations to using Opay without a BVN?

While you can open an Opay account without a BVN, certain features and services may have limitations. It is recommended to link your BVN to your Opay account as soon as you obtain one to unlock the full range of benefits and functionalities.


If you are seeking for a means to send and receive money, pay bills, and buy airtime that is convenient, reasonable, and secure, then OPay is a fantastic choice for you to consider. It is even possible to open an account without a BVN, which makes it even simpler to get things rolling.

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