10 Apps Similar to Opay – Opay Alternatives

Sponsored links

10 best apps similar to Opay

Opay is a well-known digital payment platform used by many. However, there are other apps similar to Opay that you may need to explore to get the best out of your funds.

The online space is so wide that there is room for numerous advancements. One such growth is the evolution of the nonstop financial industry.

In this post, I will shed more light on the best top 10 apps that are similar to Opay that will change your financial experience forever.

Sit back and read with me!


Cowrywise is one of the unique financial technology companies in Africa. It aims to provide a sustainable and desired payment platform for the fast-growing population in Africa. Especially the unbanked ones.

The company founded by Mr Ahmed Rasaq and Edward Popoola in 2017 now has over 500,000 users.

Cowrywise is an outstanding payment platform that focuses on building digital savings and investing culture for the next generation of wealthy Africans. 

It is the first Nigerian company to be accepted into the Catalyst Fund program, backed by JP Morgan and UKAID. The company helps you put your money to work by investing wisely so your wealth can grow.

Some of the benefits you will enjoy when you have an account with them are;

  • The halal saving: This is one of the outstanding products the fintech platform offers. All conscious Muslims who want to protect their Iman can opt for this type of saving.
  • Mutual fund: The mutual fund is one of the products of Cowrywise. All you need to do is invest any amount you wish. You will be guided on the type of funds that work for you. Ultimately, track your investment  performance yourself.

For more of their products and benefits read more on their website.


PalmPay is one of the apps similar to Opay. It is also a digital wallet licensed by CBN as a mobile money platform (MMO).

With a PalmPay app, you can;

  • Open an account
  • Transfer money 
  • Make payments for Bill
  • Get bonuses or perform some tasks. Such as: buying airtime or data, referring other users
  • Apply for a loan in minutes and so on.

The app is designed for you to enable you to easily manage your funds.

With PalmPay the payments experience for individuals and businesses in Africa has been motivating.

The PalmPay app is an app you may need to get today because it offers unique features. Some of these are;

  • Cash spree
  • Free Transfer
  • Palm force
  • Quick loan with flexible interest rate.
  • Great customer service unit and other mouth-watering features.

Aside from using the palmPay App for your personal use, you can also become their merchant and earn endlessly. 

In order to become a PoS agent with palmPay all you need to do is download the app from the Google Play Store or Apple Apps Store. After that, you can apply to be a merchant on the app.

For more information on PalmPay visit their customer service unit here.

Kuda Bank

Kuda Bank, one of the giants in the fintech industry is an app similar to Opay. The digital platform is widely used by many in the UK and Nigeria.

It was founded by Babs Ogundeyi and Musty Mustapha in 2019. Their motive behind the establishment is to get rid of all the excessive fees the conventional banks charge you.

Kuda Bank is fully licensed by the Central Bank of Nigeria and has its deposit insured by the NDIC. Thus you can transact your fund with them with your two eyes closed.

With the Kuda app, you can;

  • Enjoy cashless payment options
  • Earn fat interest on your savings.
  • Access 25 free transfers for every money
  • Deposit money in numerous banks across Nigeria for free
  • Make cross-border payments among others.

Besides the app, Kuda also provides you with a debit card that can be used for payment. The card can be used at any ATM or PoS terminal. Also, you can use the details for Web transactions.

However, you will request the card on the Kuda mobile app before it will be delivered to your doorstep free of charge.


M-PESA is also a leading digital payment platform. Although, it is not available to Nigerians. It is used in several other African and Asian countries. Some of these are Kenya, Tanzania, Mozambique, Egypt, DRC, Afghanistan, South Africa, and so on. The payment platform is the largest mobile network operator in Kenya.

It was launched in 2007 by Vodafone and Safaricom. Over time, it is Africa’s most successful mobile money service and the region’s largest fintech platform. 

If you open an account with M-PESA  you can;

  • Top-up airtime easily 
  • Pay for bills on and offline
  • Pay Internationally 
  • Use it to receive salaries
  • Get quick short-term loans and so on.

With the M-PESA mobile app, you can benefit a whole from a lot of things. Some are;

  • Acceptability in a wider market.
  • High transaction limit
  • Easy to use
  • Cross border payments
  • Offline but connected
  • Biometric authentication and lots more.

Chipper Cash

Chipper Cash is another digital payment platform whose app is similar to Opay. With just the app on your mobile phone, you can send money directly to Bank and mobile money accounts in 21+ African countries.

The Chipper Cash app was founded by Ham Serunjogi in 2018. The app enables you to do free transfers across African countries easily as if you were just sending a text message.

The mission of the company is to provide the most trusted and accessible financial services for people living in Africa and beyond.

Though the fintech platform offers a remote service. However, there are still Chipper offices dotted around the world to provide you with the best financial services.

With just the Chipper Cash app on the phone you can;

  • Enjoy free transfers to several banks and other fintech platforms.
  • Send money with the lowest cross-border rates.
  • Transact your fund across Africa in the blink of an eye easily.
  • Securely link other mobile money or bank accounts.
  • Access up to 2% cashback on the Airtime you purchase every time. 
  • Pay for your bill, at zero fees.

All these benefits and more are possible with Chipper Cash at no extra cost.


The Paga Orange ship is a digital financial platform with an app similar to Opay. The company has been around for over 13 years. This payment platform aims to make life possible for you.

Over the years, it has been able to reshape the financial experience of its customers through 99% uptime technology.

With the Paga app on your phone you can;

  • Send money without stress
  • Request money from family or friends provided they have a phone number or an email address.
  • Receive instant and secure money transfers from abroad to any Nigerian mobile phone number or bank account. Is that not awesome?
  • Buy both airtime and data.
  • Also, renew your TV pay, Internet, Electricity. and so much more.

In order to know more about the Paga platform come here.


Paystack, founded by Shola Akinlade, and Ezra Olubi in 2015 is a modern online and offline payment service for Africa. Over the years it has helped businesses in Africa get paid by anyone, anywhere in the World.

The mission of the company is to help businesses in Africa become profitable, envied, and loved.

This is achieved by making it easy for businesses to accept secure payments from multiple local and global payment channels. , 

Furthermore, they provide tools to help you retain existing customers, and acquire new ones.

With your PayStack account you can;

  • Collect one-time and recurring payments from your app or website
  • Make instant transfers
  • Retrieve all your transaction and customer data
  • Verify the identity of customers
  • Top up your airtime and data in a flash.

Reviews from some of their customers are below;

  • The feedback from working with Paystack has always been the speed of delivery, execution excellence, passion and commitment, and innovative thinking! – Olubayo Adekanmbi

(Chief Transformation Officer, MTN)

  • Since we started using Paystack, payment failures have been reduced, and customers now have multiple payment options to choose from. – Bayo Adesanya (Chief Digital Officer, AXA Mansard)

In order to join the Paystack family, create your account now for free.


Nomba formerly known as Kudi Fintech Company is a digital financial platform whose app is similar to Opay. It was founded in the year 2016 by Yinka Adewale.

The mission of the platform is to improve the payment experience for individuals and businesses.

This is achieved by creating tools for businesses to manage sales, money, and payments without problem.

With your Nomba account you can;

  • Make payment online
  • Accept payment
  • Track your business transactions
  • Buy airtime and data
  • Manage and save money
  • Transfer funds
  • Apply for a PoS terminal and so on.

Over time, their customers have proven Nomba as the smartest way to accept offline and Online Payments.

The Nomba PoS machine is pocket-friendly, easy to operate, and can be connected to 4G/3G/2G Wi-Fi. Also, it accepts all Bank cards.

For more information visit Nomba today.


Gomoney is one of the financial platforms licensed by the Central Bank of Nigeria. 

The Gomoney app provides you with everything you want with a bank in a simplified and secure way and more.

In order to make life easier for you Gomoney will provide you with a free virtual and physical card which is highly secured.

To enjoy the Gomoney service all you need to do is to download the app on Google playPlay Store and enjoy banking with peace of mind.

With the Gomoney account you can;

  • Control your funds with just a click
  • Get transaction notifications in seconds
  • Control your spending
  • Pause or block card transactions in case of any suspicious act
  • Send money to 54+ banks and receive money on the go
  • Set a bill alert, due dates, and lots more.


Wema Bank has deemed it fit to join the fintech industry in order to ease your banking affairs.

Alat is a digital fintech industry owned by  Wema Bank. It Is a fully digital banking platform. That is, with the Alat app you can conduct all your banking transactions without ever having to visit any physical branch.

Furthermore, ALAT is a one-stop online collection platform for all retailers and corporate bodies.

With the Alat account you;

  • Do not have to wait in line or deal with banking hours before you can transact your funds.
  • Can access your account from anywhere, at any time, using your smartphone, or computer.
  • Can check your account balance, and transfer funds
  • Can fund your account, save, and pay bills from anywhere in the world.
  • Can request one of three bank card designs and you will have it delivered to you in 5 working days, anywhere in Nigeria free of charge.
  • Can access low-interest short-term loans in a blink.
  • Can save as you spend

Ultimately, with ALAT, you have access to a world of financial services right at your fingertips. 

Final Thought

In today’s world, we all know that digital payments have become the norm. The rise of online shopping and the need for contactless transactions has made this nonstop. That is why having a reliable and secure payment platform is more important than ever.

I hope this blog post has been able to widen your horizon about other apps similar to Opay.

From Cowrywise, PalmPay, Kuda, M-PESA, Chipper Cash, Paga, Paystack, Nomba, and Gomoney to Alat you will not go wrong if you choose from any of the above digital payment platforms.

Frequently Asked Questions on 10 Top Apps Similar to Opay

Which apps are similar to Opay

There are numerous apps similar to Opay. However, the top 10 ones after much research are Cowrywise, PalmPay, Kuda, M-PESA, Chipper Cash, Paga, Paystack, Nomba, Gomoney, and Alat.


How do I download these apps?

Downloading the payment app of your choice is easy. Just go to the Google Play Store or Apple App Store depending on your device. 

Sponsored links

Leave a Reply