How To Get Opay ATM Card And Activate

How To Get Opay ATM Card: Opay is giving debit cards to people who are eligible. You can ask for the card and have it sent to your home or area. I already have my Opay card, so I’ll guide you on how to get yours. The Opay card is not different from other debit cards. It works like them, letting you take out money from ATMs or pay at stores.

I’ve been using the Opay card for a week, and I like it. Like other ATM cards, there are good things about it. We’ll talk about those later in this guide.

Opay gives both virtual and physical debit cards, just like the ones from your bank. Opay agents are quick to adopt new features and get the most benefits. If you aren’t one, you should consider becoming one to enjoy the advantages of using a debit card.

Now, let me show you how to apply and get a working Opay debit card in Nigeria without any delay.

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Benefits of OPay Debit Card

When you have the Opay debit card, here are the benefits you’ll enjoy:

No maintenance fees: You won’t be charged any fees just to keep the card.
Accepted everywhere in Nigeria: You can use the card at any place that accepts payments in Nigeria.
ATM withdrawals: You can take out money from any ATM using the Opay card.
Online payments in naira: Make easy online payments using the card in Nigerian currency.
Unlimited cashback: Get cashback rewards without any limit.
Free ATM withdrawals: No charges for taking out money from ATMs.

Apart from the mentioned features, there are additional benefits that are not listed above.

How To Get OPay Debit ATM Card

How To Get Opay ATM Card: Getting an Opay debit card allows you to make fast and simple virtual payments, whether you’re online or offline. It also gives you the opportunity to earn money and save more.

Moreover, you can easily withdraw money at any ATM with a minimal charge (currently free at all Zenith Bank ATM points nationwide). To obtain an Opay debit card, you need to be registered.

How To Get Opay ATM Card – To register and apply for an Opay debit card:

Visit the Opay Website: Go to the Opay website and follow the registration process.
Download the App: Alternatively, you can download the Opay app on your Android or iOS device. Sign up using your details within the app.

After successfully setting up your Opay account, you can proceed to apply for your debit card.

How To Get OPay ATM Card

How To Get Opay ATM Card: Before applying for the Opay debit card, ensure that you have reached either stage 2 or 3 of the KYC (Know Your Customer) process. The default KYC level 1 is not eligible for the Opay card. You need to link your BVN and upgrade to KYC level 2 before requesting the Opay debit card.

If you are already on KYC level 2 or 3, follow these steps to get your Opay ATM card:

Open or Log in to the Opay App: Launch the Opay app and log in to your account.
Tap on Cards in the Bottom Menu: Locate and tap on the “Cards” option in the bottom menu.
Choose Virtual or Physical Card: Initially, you’ll see the virtual debit card. Swipe left to switch to the tab for requesting a physical debit card or continue with the virtual card.
Provide Required Information: Enter all the necessary information Opay requests to make you eligible for their debit card.
Enter Delivery Address: You will be asked to input your home or nearest bus stop address for delivery.
Payment of ₦600: To request the Opay card, you need to pay ₦600.

That’s it! After receiving and activating the card, you will get your ₦600 back as cashback.

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 using your registered phone number and password.
Click on “Cards”: Once logged in, go to the home screen of the app and click on the “Cards” icon.
Select “Activate Card”: On the “Cards” screen, choose the “Activate Card” button next to your Opay ATM card.

Enter Card Details: Enter the required card details, including the 16-digit card number, expiry date, and CVV on the “Activate Card” screen.

Set Your PIN: After entering the card details, set a 4-digit PIN for your Opay ATM card. This PIN will be needed for transactions with your card.
Confirm Activation: Once you’ve set your PIN, click on “Activate Card” to confirm the activation of your Opay ATM card.

Start Using Your Card: After activation, your Opay ATM card is ready to use. You can now make transactions at ATMs and POS terminals that accept Visa cards.

Fees Associated With Getting an OPay ATM Card

Obtaining an OPay ATM card involves several fees, and it’s essential to be aware of them before applying, note that these fees are subject to change, and the actual amounts may vary based on the specific terms and conditions of the OPay ATM card. Before applying, it’s advisable to review the current fee structure associated with the OPay ATM card.

Card Issuance Fee: OPay charges a fee ranging from N700 to N1,000 for issuing the ATM card.
ATM Withdrawal Fees: When OPay ATM cardholders withdraw cash from ATMs, there is a withdrawal fee. This fee typically falls between N65 and N150 per transaction, varying depending on the ATM.
POS Transaction Fees: Making payments at POS terminals with the OPay ATM card incurs a fee of 0.5% of the transaction amount.
Card Replacement Fees: If your OPay ATM card is lost, stolen, or damaged, replacing it comes with a fee of N1,000.
International Transaction Fees: Using the OPay ATM card for transactions outside Nigeria results in a fee of 1.5% of the transaction amount.

How To Top-Up Your Opay ATM Card

To top-up or fund your OPay ATM card, here are the steps to follow:

Log in to your OPay Account: Open the OPay app on your smartphone and log in using your registered phone number and password.
Click on “Wallet”: Once logged in, go to the home screen and click on the “Wallet” icon.
Select “Fund Card”: On the “Wallet” screen, choose 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: Choose the payment method you prefer for funding your OPay ATM card. Options include bank transfers, card payments, and OPay wallet transfers.
Follow the Prompts: Depending on the payment method chosen, follow the prompts to complete the transaction. For a bank transfer, provide your bank account details; for card payment, enter your card details.
Confirm the Transaction: After entering the required details, confirm the transaction to finish topping up your OPay ATM card.

Once your OPay ATM card is funded, you can use it for transactions at ATMs and POS terminals that accept Visa cards.

How To Use Your OPay ATM Card For Online Shopping

To use your OPay ATM card for online shopping, follow these steps:

Ensure Your OPay ATM Card is Funded: Confirm that your OPay ATM card has enough funds to cover your online purchases.
Find a Website Accepting Visa Cards: Locate online stores or e-commerce platforms that accept Visa cards. Popular sites include Amazon, Jumia, Konga, and AliExpress.
Select Items and Proceed to Checkout: Choose the items you want to buy, add them to your cart, and proceed to the checkout page.
Choose Visa Card as Payment Method: On the checkout page, select Visa card as your preferred payment method.
Enter OPay ATM Card Details: Input your OPay ATM card details, including the 16-digit card number, expiry date, and CVV.
Enter Billing Information: Provide your billing details, including your name, address, and phone number.
Confirm the Transaction: Review your purchase details and confirm the transaction to complete the payment.

After confirmation, you should receive a message from the website confirming your order. Keep a record of the transaction details for future reference. Also, be aware of any additional fees associated with using your OPay ATM card for online shopping, such as international transaction fees or processing fees from the website or e-commerce platform. Check and understand these fees before making any purchases.

Common Issues With OPay ATM Cards and How to Troubleshoot Them

Here are common issues with OPay ATM cards and how to troubleshoot them:

· Card Not Working:

Check Activation: Ensure your OPay ATM card is activated.

Proper Insertion: Confirm that the card is correctly inserted into the ATM or POS terminal.

Contact Customer Service: If issues persist, contact OPay customer service for assistance.

· Transaction Declined:

Sufficient Funds: Verify if you have enough funds in your OPay wallet or bank account.

Transaction Limit: Check if you’ve exceeded your daily transaction limit.

Contact Customer Service: If problems persist, reach out to OPay customer service for resolution.

· Card Blocked:

Security Reasons: Blocked due to suspected fraud or unauthorized use.

Contact Customer Service: Reach out to OPay customer service to resolve the blockage.

· PIN Issues:

Forgot PIN: If you forget your PIN, reset it using the prompts on the ATM or contact OPay customer service.

· Lost or Stolen Card:

Contact Customer Service: Immediately inform OPay customer service to block the card and prevent unauthorized transactions.

· Invalid Card Number:

Check Accuracy: Confirm you’ve entered the correct card number.

Contact Customer Service: If the issue persists, contact OPay customer service for assistance.

In case of any issues with your OPay ATM card, it is advisable to contact OPay customer service promptly. They can guide you through troubleshooting steps and work towards resolving the problem efficiently.

FAQs: How To Get Opay ATM Card

Here are some frequently asked questions on how to get Opay ATM card and activate:

How Long Does It Take For The OPay Card To Be Delivered?

It typically takes approximately 2 days for your OPay card to be printed. After the printing process, the card will be shipped to the address you provided. In some cases, you might receive a call from a dispatch rider, and there’s a chance that you could receive your OPay debit card on the same day.

Can OPay Debit Cards Be Used For International Transactions?

Yes, the information you provided is accurate. The OPay debit card, being a Visa card, can indeed be used for international transactions, allowing payments and withdrawals at ATMs that accept Visa cards globally.

However, it’s crucial to be aware of potential additional fees associated with international transactions. These fees may include foreign exchange fees and international transaction fees. To make informed financial decisions, it is recommended to review the specific fees associated with using the OPay debit card for international transactions before making any purchases or withdrawals.

Additionally, informing OPay in advance about your plans for international transactions is a good practice. This helps prevent security issues and ensures a smoother transaction process, reducing the likelihood of transactions being declined due to suspected fraud.

Can I use OPay without an ATM card?

Indeed, you can easily facilitate cardless withdrawals for your customers through the OPay USSD Withdrawal Service using your Point of Sale (POS) terminal. This service provides a convenient way for users to withdraw cash from their OPay accounts without the need for a physical debit card. By using the USSD functionality and your POS terminal, customers can initiate and complete the withdrawal process seamlessly. It’s a practical solution for those who may not have their ATM cards with them at the moment but still need to access funds.

Who is the owner of OPay?

OPay was founded in 2018 by Opera Norway AS Group, a company owned by Kunlun Tech Co., Ltd., which is listed on the Shenzhen Stock Exchange. OPay has since become a notable mobile payment and financial services platform, offering a range of services including money transfers, bill payments, and more. The company has expanded its operations to several countries, providing users with convenient and accessible financial solutions.

Is OPay card a MasterCard or Visa?

It’s great to hear about the partnership between Mastercard and OPay. Such collaborations play a crucial role in advancing digital financial inclusion and promoting a cashless ecosystem. The partnership between Mastercard and OPay is likely to bring about increased accessibility to mobile money services and financial solutions for people across the Middle East and Africa.

These initiatives contribute to the growth of digital financial infrastructure, making it easier for millions of individuals to access and manage their finances through mobile platforms. This can include services such as digital payments, money transfers, and other financial transactions. Overall, such partnerships are instrumental in fostering financial inclusion and creating more opportunities for individuals in these regions.

Can I use OPay to receive money from abroad?

It’s excellent to know that OPay is providing a fast, convenient, and affordable solution for receiving money from abroad. This service allows users to manage their international remittances without the need to leave their homes. Users can choose to withdraw funds from a nearby OPay agent or opt to save the received money directly in the OPay app, providing a flexible and efficient way to handle international transactions.

This approach not only enhances the convenience of money transfers but also provides users with the option to save and manage their funds within the app. Such features contribute to the overall ease of financial transactions for OPay users, making it a user-friendly platform for handling both local and international financial activities.

Conclusion: How To Get Opay ATM Card

Before applying for the Opay debit card, ensure that you have reached either stage 2 or 3 of the KYC process. The default KYC level 1 is not eligible for the Opay card. You need to link your BVN and upgrade to KYC level 2 before requesting the Opay debit card. If you are already on KYC level 2 or 3, follow these steps above to get your Opay ATM card