How to upgrade your Opay account easily

Sponsored links

Hello Today I’ll be discussing On How to upgrade your Opay account easily

Opay is a leading fintech platform in Nigeria that offers quick account opening and hassle-free banking services. Upgrading your basic Opay account unlocks more features and higher limits. This comprehensive guide provides tips to seamlessly upgrade your Opay account online.

Opay is a super finance app launched in Nigeria in 2018 by Opera. It aims to provide accessible and convenient financial services to millions of Nigerians through mobile technology.

Key features of Opay include:

  • Instant account opening without paperwork
  • Fee-free transactions and zero hidden charges
  • High-yield investment options like FlexiFixed
  • Easy airtime and data recharge
  • Seamless funds transfer and merchant payments

Opay offers upgraded account tiers like Opay Premium and Opay Pro that provide higher limits, increased returns on investment and other benefits. Upgrading is free and can be done easily on the Opay app.

Benefits of Upgrading your Opay Account

How to upgrade your Opay account easily

Here are some major advantages of upgrading your basic Opay account to a higher tier:

  • Higher limits – Increased daily spending limits on transfers and payments.
  • Exclusive offers – Access to special deals and discounted prices.
  • Higher FlexiFixed returns – Increased interest rate on FlexiFixed investments.
  • Merchant benefits – Better discounts and margins for merchants.
  • Prestige service – Priority support and service for all requests.

Overall, upgrading unlocks more convenience, flexibility and benefits tailored to your needs.

How to Upgrade your Opay Account

Follow these simple steps to upgrade your Opay account digitally:

  1. Login to your Opay app using your phone number and account PIN.
  2. Go to Settings and select ‘Upgrade Account’ option.
  3. Choose Account Tier – Pick Opay Premium or Pro based on your preference.
  4. Enter Details – Carefully fill in your personal information as requested.
  5. Make Payment – Use Opay wallet or card to pay the upgrade fees.
  6. Get Confirmation – You will receive confirmation message on upgrade approval.

The entire process is very quick and can be completed in just a few taps on your Opay app. Ensure you have the upgrade fees available in your Opay wallet before initiating the process.

Documents Required to Upgrade Opay Account

To upgrade your Opay account, you need to provide the following documents:

  • Profile picture – Clear photo of your face.
  • ID card – National ID, driver’s license, voters card, etc.
  • Proof of address – Utility bill, tenancy agreement, etc.

Have these documents ready in digital format for a smooth upgrade process. The right documentation helps verify your identity and ensures quick approval.

Opay’s Commitment to Secure and Reliable Banking

How to upgrade your Opay account easily

When upgrading your Opay account, you can rest assured that your funds and personal information are in safe hands. Opay places a strong emphasis on security and reliability, ensuring that its customers can bank with confidence. Here are some of the measures Opay takes to prioritize security and reliability:

  • Advanced Encryption: Opay employs industry-standard encryption protocols to protect all data transmitted between its servers and your devices, ensuring that your personal and financial information remains secure.
  • Multi-Factor Authentication: Opay offers multi-factor authentication options, such as biometric authentication and one-time passwords, to add an extra layer of security to your account.
  • Robust Fraud Detection: Opay has implemented sophisticated fraud detection systems that monitor transactions for any suspicious activity, helping to prevent unauthorized access to your account.
  • Regular Security Audits: Opay conducts regular security audits and penetration testing to identify and address any potential vulnerabilities in its systems, ensuring that your data remains protected at all times.
  • Compliance with Regulations: Opay is fully compliant with all relevant banking regulations and guidelines, including those set forth by the Central Bank of Nigeria, ensuring that your funds and transactions are handled in a secure and responsible manner.

By upgrading your Opay account, you can take advantage of enhanced features and benefits while enjoying the peace of mind that comes with banking with a secure and reliable platform.

FAQs on How to upgrade your Opay account easily

Here are answers to some frequently asked questions about upgrading Opay account:

Does my phone number change when I upgrade account?

No, your registered phone number remains the same even after upgrading Opay account tiers.

How long does Opay account upgrade approval take?

Opay account upgrades are approved instantly as soon as upgrade fees are paid. The process completes in minutes.

Can I upgrade if my Opay account is inactive?

Yes, you can upgrade inactive accounts after activating them by logging in or contacting support.

Will my transaction history and balance carry over after upgrade?

Yes, your entire transaction history, balance and wallet will automatically transfer to the upgraded account tier.

Do I need to provide new KYC documents when upgrading?

No, you only need to provide KYC documents once during initial Opay signup. Not needed again for upgrades.

Can I pay the upgrade fees from other payment apps?

Unfortunately, upgrade fees can only be paid directly through your Opay wallet or linked card.

How many times can I upgrade my Opay account?

There is no limit, you can upgrade between Opay account tiers as many times as you want.

Will my Opay virtual card number change after upgrade?

How to upgrade your Opay account easily

Yes, a new virtual card number is issued when you upgrade your Opay account to a higher tier.

Is there a way to upgrade Opay account without ID card?

Valid ID is required to upgrade account tiers for identity verification. No workaround without ID card.

Can I apply for Opay overdraft after upgrading account?

Yes, account upgrade allows you to access and apply for Opay overdraft facility directly on the app.

How long do downgrades from Pro to Premium take?

Opay account downgrades are also processed instantly. Your account tier changes right away.

Will my Opay Plus subscription carry over after upgrade?

Yes, any active paid Opay Plus subscription will automatically transfer to your upgraded account tier.

Do I need to visit any physical branches to upgrade account?

No, Opay account upgrades can be done 100% digitally on the Opay app without visiting any physical locations.

Can I still use my old Opay virtual card after upgrading?

No, your old virtual card is deactivated when a new one is issued. You must use the latest card.

Is there a minimum account balance needed to upgrade tiers?

No minimum account balance is required, only the one-time upgrade fees need to be paid.

Read more: finance fidelity bank mobile app and internet banking


Upgrading your Opay account unlocks a host of excellent features and benefits tailored to your financial needs. The process is extremely quick directly on the Opay app in a few simple steps. Just pay the pocket-friendly upgrade fees and enjoy premium services.

Follow this guide to upgrade your account tier effortlessly. Reach new heights with Opay!

After reading this article now you know How to upgrade your Opay account easily.

Sponsored links

Leave a Reply