How Much Can Opay Account Hold Without BVN?”

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How Much Can Opay Account Hold Without BVN?”

Opay is known as a popular mobile payment platform in Nigeria which offers users the convenience of digital transactions and financial management. However, to ensure security and regulatory compliance, there are certain limits imposed on Opay accounts that are not linked to the Bank Verification Number (BVN). 

In this article, you will explore answer to “How much can Opay Account hold without BVN?” -How much an Opay account can hold without BVN and provide a step-by-step guide on how to add your BVN to your Opay account for enhanced benefits.

Without further Ado, let’s delve deeply into the main content.

How Much Can Opay Account Hold Without BVN?”

Here are everything you need to know about How much can Opay Account hold without BVN?”:

Opay Account Limit Without BVN

If you choose not to link your BVN to your Opay account, the maximum balance you can hold is set at N300,000. 

This limit has been established by the Central Bank of Nigeria (CBN) to maintain financial integrity and prevent fraudulent activities within the system. 

By adhering to this, Opay ensures that everyone using their platform operates within the prescribed regulations.

Adding BVN to Your Opay Account

Linking your BVN to your Opay account can unlock several benefits, including increased account limits, enhanced security measures, and access to a wider array of services. 

Here is a step-by-step guide to adding your BVN to your Opay account:

Open the Opay App and Log In: Begin by opening the Opay app on your smartphone and logging in to your existing Opay account using your registered credentials.

Tap on the “Me” Option: Once you have successfully logged in, locate the “Me” icon in the bottom right corner of the app interface. 

Tap on it to access your account’s profile settings.

Click on Your Profile Image: Within the profile settings section, you will find your profile image displayed at the top of the page. 

Tap on your profile image to proceed to the next step.

Select “Upgrade” and Enter Your BVN: Upon clicking your profile image, a menu with various options will appear. Look for the “Upgrade” option and click on it. 

You will then be prompted to enter your Bank Verification Number (BVN) in the designated field.

Read: Flypay Pro Loan App, Customer Care Number, Is Fly pay Legit? 

Verify Your BVN: After entering your BVN, carefully review the information to ensure its accuracy. Click on the “Verify BVN” button to initiate the verification process. 

Await Verification Completion: The BVN verification process may take a few moments, depending on network speed and server response.

It is important for you to be patient and allow Opay to complete the verification.

Success! Your Opay Account is Upgraded: Once the verification process is complete, you will receive a notification confirming the successful upgrade of your Opay account.

At this point, you can enjoy the benefits of an upgraded account, including increased limits and access to a broader range of services.

FAQs On How Much Can Opay Account Hold Without BVN?”

Here are some helpful frequently asked questions on How much can Opay Account hold without BVN?” with their respective answers:

What is the maximum amount OPay can receive?

OPay can receive up to N5 million or more depending on the account tier. The account tier determines the maximum transaction limits and functionalities available.

How many account tiers does OPay have?

OPay has four account tiers: Tier 1, Tier 2, Tier 3, and Tier 4. Each tier has different features and transaction limits.

How much can a Tier 2 OPay account receive?

A Tier 2 OPay account has a maximum receiving limit of N200,000. 

This means that you can receive up to N200,000 into your Tier 2 OPay account.

Which bank account can I create without BVN?

Currently, most banks operating in Nigeria require customers to have a valid Bank Verification Number (BVN) to open a bank account. 

Therefore, it is generally not possible to open a bank account without a BVN.

How to open an OPay account online without BVN?

To open an OPay account online without a BVN, follow these steps:

  • Download the OPay app from the Google Play Store or the Apple App Store.
  • Launch the app and click on the “Sign Up” button.
  • Fill in the required details, such as your name, phone number, and email address.
  • Create a secure password for your OPay account.
  • Complete the registration process by verifying your phone number through an OTP (One-Time Password) sent to your mobile device.
  • Once the verification is successful, your OPay account will be created, and you can start using it for various transactions and services.

Which online wallet can I open without BVN?

There are several online wallets in Nigeria that allow you to open an account without a BVN. 

Some popular options include Paga, Carbon (formerly Paylater), and FairMoney. 

These platforms provide a range of financial services, including money transfers, bill payments, and loan applications, without requiring a BVN. 

It’s crucial for you to note that each platform definitely have its own account limits and requirements.


While an Opay account without a linked BVN has a maximum balance limit of N300,000, it is highly recommended to add your BVN to your Opay account for a more comprehensive user experience. 

By following the simple steps outlined in this guide, you can easily upgrade your Opay account and gain access to enhanced benefits, increased account limits, and improved security. 

Add your BVN today and unlock the full potential of your Opay account!

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