Debit cards are being provided by Opay to all qualified customers. The debit card can be ordered and delivered to your home or neighbourhood.
Since I already had my Opay card before writing this post, I can help you get yours.
There is nothing exceptional about the card, even if you believe there is. It functions similarly to other debit cards that are available for use at ATMs and point-of-sale locations.
Now that I’ve had the Opay card for a week, all I can say is that I really enjoy using it.
enjoy other ATM cards, they have certain features that I enjoy; we’ll talk about those later in this article.
Opay offers both real debit cards similar to your bank card and virtual cards, which you should be aware of.
Opay Debit ATM Card: What Is It?
The Opay debit card works just like regular bank debit cards in terms of ATM and point-of-sale merchant withdrawals.
Opay launched the card in 2021 with the goal of rewarding users who utilise it.
Opay began as a mobile fintech that you could use to transfer and receive money, buy data or airtime, save money, and get rewards.
With the Opay debit card, you have more possibilities since you may now make withdrawals straight from your Opay account.
Of course, you can take money out of your Opay account earlier, but you can do so by transferring money from the Opay agent or using an ATM card to send money to your bank.
Direct withdrawals from the Opay account were previously not feasible, however they are now with a debit card.
The virtual card can also be used to make virtual purchases. It is primarily used for online payments.
Features of Opay cards
All of the following features are included with the Opay debit card:
- No upkeep costs
- Suitable anywhere in Nigeria
- Take money out of any ATM.
- Make an online naira payment.
- No limit on cashback
- Free withdrawal from ATM
Certain functionalities are not included in the aforementioned list.
How to apply for a debit card from Opay
Make sure you are currently in either stage 2 or stage 3 of the KYC before applying for the Opay debit card.
Before you may apply for an Opay debit card, you must link your BVN and upgrade to KYC level 2 as the default KYC (Know Your Customer) level 1 is ineligible.
If you are currently on KYC level 2 or 3, do the following procedure:
- Open the Opay app and log in.
- In the bottom tab menu, tap Cards.
- The virtual debit card will appear first; swipe left to navigate to the tab where you can order a real debit card—or, more accurately, order the virtual card.
- In order to be eligible for an Opay debit card, you must supply all of the requested information.
- For delivery, you will be prompted to input the address of your house or the closest bus stop.
- To get the Opay card, you must pay ₦600.
- That’s all; after you get and activate the card, you will receive your ₦600 back in cashback.
How much time will it take for you to receive the card?
You should wait after your request; mine arrived two weeks after I made it. The printing of your card takes about two days, and it is then mailed to the address you provide.
The same day I received my Opay debit card, I received a call from the dispatch rider. Once you request the card, you should usually wait to hear from the dispatch rider.
How to get your Opay debit card activated
It’s time to activate your card and begin using it after you receive it.
Go to the Cards tab in the Opay app after logging in, then tap Activate Card.
Input the data in the designated field and choose the PIN code that you wish to use with your Opay card. After two tries, my was successfully enabled. If it doesn’t work the first time, you can try again.
Once the Opay debit card is activated, you will receive your ₦600 as cashback.
How to obtain a virtual debit card from Opay
Opay has created a virtual card that is intended to be used only online. To obtain this, you must also link your BVN, although it’s beneficial if you wish to make online purchases.
Limits on Opay cards
Your KYC level determines your Opay debit card limit; if you wish to exceed limits, KYC level 3 is the best option. Level 2 KYC is preferable for typical customers.
In addition to its many benefits, the Opay debit card has no maintenance costs—something that banks do not charge. It’s simply fantastic that you may still receive cashback when you use the card.
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