How to activate OPay Debit Card?

How to activate OPay debit card? As an OPay user in Nigeria, activating your OPay debit card is a crucial step towards enjoying the full benefits of the platform. With your OPay debit card activated, you can seamlessly make online purchases, withdraw cash from ATMs, and pay for goods and services at POS terminals, among other things.

If you’re wondering how to activate your OPay debit card, don’t worry. In this article, we’ll take you through the simple steps you need to follow to activate your OPay debit card using the OPay app.

What is an OPay debit card?

The OPay debit card affords its customers the leniency to make quick and easy payments both online and offline stores.

The beautiful thing about the OPay debit card is that transactions consummated do not attract or involve charges, you as well as stand in a pole spot to earn cash back on your withdrawals, as well as make free transfers.

The cashback here is a financial compensation you receive from OPay out of your transaction amount for using the OPay services, this is a kind of incentive designed to encourage patronage and loyalty.

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How to Request/Apply for an OPay Debit Card?

Before you can activate your OPay debit card, you need to request one. The following steps will guide you on how to request an OPay debit card:

  • Open the OPay app on your mobile device.
  • Locate and tap on the “Card” icon on the app’s homepage.
  • Click on the “Request Card” button.
  • Fill in your personal information, such as your name, phone number, and delivery address.
  • Review the information and click on “Submit” to complete the request.

How To Activate OPay Debit Card?

There are three methods you can use to activate your Opay debit card, we will be discussing all three methods below now. Here are how to activate OPay debit card in 3 simple methods:

How To Activate Opay Debit Card via the App?

Once you’ve received your OPay debit card, follow these simple steps to activate it using the OPay app:

  • Open the OPay app on your mobile device.
  • Locate and tap on the “Card” icon on the app’s homepage.
  • Click on “Activate Card.”
  • Enter the last four digits of your card number.
  • Click on “Activate.”
  • You will receive an OTP (One-Time Password) via SMS to the phone number linked to your OPay account.
  • Enter the OTP in the space provided.
  • Click on “Activate” to complete the activation process.

How To Activate OPay Debit Card via customer service?

If by any means you do not feel comfortable activating your card through the OPay app, you will need to call OPay customer service for immediate and swift activation.

  • Call; +234 (01) 8888329,
  • WhatsApp: +234 916 599 8936
  • Email: ,
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How To Activate OPay Debit Card via any Zenith bank ATM?

  • Go to any Zenith Bank ATM location
  • Insert the card into the machine
  • Enter the default PIN –

OPay debit card limit

The debit card limit depends on your KYC level, for instance, if you have upgraded to level 3, you stand to transact over N5 million from your account per day.

However, level 1 and 2 customers are limited to certain transaction thresholds, to get the bespoke experience, kindly migrate or complete your KYC to level 3.

Opay debit card default PIN

When you receive your OPay debit card, the default PIN is usually set to ‘1111’. However, it is advisable to change the default PIN to a more secure and personal one to avoid any unauthorized access to your account.

To change your OPay debit card PIN, follow these steps:

  1. Open the OPay app on your mobile device.
  2. Tap on the “Card” icon on the app’s homepage.
  3. Click on “Change PIN.”
  4. Enter your current PIN (default PIN is ‘1111’).
  5. Enter your new PIN.
  6. Re-enter your new PIN to confirm.
  7. Click on “Change PIN” to complete the process.

Once you’ve successfully changed your OPay debit card PIN, make sure to keep it safe and never share it with anyone to protect your account from fraud or unauthorized access. It’s also essential to remember your new PIN to avoid getting locked out of your account.

How to reset OPay card PIN

To reset your OPay card PIN kindly follow the below instruction

  • Locate an ATM and insert your OPay ATM card
  • Enter your current PIN, the very PIN you are using at the moment and want to change it may be it has been compromised or whatever
  • Having entered your PIN, click on Proceed and wait for the machine to display a list of options
  • From the options displayed locate and click on “Change PIN,”
  • Enter the very new PIN you are looking to start using
  • Confirm the PIN in the next column and proceed
  • You will receive an on-screen prompt that your PIN has been reset successfully.
  • Start spending the money on your card now, congratulations.
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Using Your OPay Debit Card

Now that your OPay debit card is activated, you can start using it to make transactions. Here are some useful tips to keep in mind:

  • Always ensure that your OPay account has sufficient funds before making a transaction.
  • Keep your PIN and card details secure. Never disclose them to anyone.
  • If you lose your OPay debit card or suspect any unauthorized transactions, contact OPay customer support immediately to block the card and protect your account.

Frequently asked questions (FAQs)

How to block Opay debit cards?

You will need to contact Opay customer care to do this.

Is OPay Debit Card Free?

Opay charges ₦700 for ATM card and ₦300 for delivery fee

How much does an Opay debit card cost?

It costs anywhere between 700 naira to 1000 naira to apply for and get an Opay debit card.

How Long Does do it Take to Get an OPay Debit Card?

Upon request, it takes about 24 hours to get your Opay debit card


In conclusion, activating your OPay debit card is an essential step towards unlocking the full potential of the OPay platform. By following the steps outlined above, you can easily request for and activate your OPay debit card, and start enjoying the convenience and flexibility of making cashless transactions. Remember to keep your card details secure and to contact OPay customer support if you need any assistance.