Do you want to know how to get Opay debit card? Keep reading to find out the easy process to request for and activate your Opay debit card in Nigeria.
Opay is a leading fintech company that offers various financial services through its super app. One of the services offered by Opay is issuing Opay branded debit cards to customers. With an Opay debit card, you can make payments online, in-store and even withdraw cash from ATMs. Requesting for the card is easy and straightforward. In this article, we provide a step-by-step guide on how to request for an Opay debit card. We also highlight the key features of the card, challenges you may face and solutions.
What\’s Opay?
Opay is a financial technology company founded in 2018 and based in Lagos, Nigeria. The company operates a mobile payment service and digital wallet super app called Opay. Through the super app, Opay offers services like payments, transportation, food delivery, logistics, savings and loans. The company has operations in Nigeria, Egypt and Kenya. Its mission is to make financial services more accessible and affordable across Africa.
With Opay, you can send and receive money, pay bills, buy airtime, pay for transportation services like okadas, book rides, order food and carry out other financial transactions easily from your mobile phone. Opay aims to promote financial inclusion in Africa by providing financial services to the unbanked population through mobile technology.
What\’s A Debit Card
A debit card is a payment card that allows cardholders to access funds from their bank accounts to make purchases or withdrawals. When you use a debit card, the transaction amount is immediately deducted from your linked bank account.
Debit cards offer a more convenient and secure way to make payments compared to cash. They also allow cardholders to shop online, over the phone or in stores where credit cards are accepted. In addition, debit cards can be used to withdraw cash at ATMs.
Some key features of debit cards include:
- Linked to bank account: The card is linked to the cardholder\’s bank account which provides the funds.
- No credit facility: Debit cards allow you to spend only what you have in your account.
- More secure: Debit cards offer higher security with PIN-based transactions and zero fraud liability policies.
- Accepted widely: Debit cards are accepted at millions of ATMs and merchant locations worldwide.
- Cash withdrawals: Cardholders can withdraw cash at ATMs.
- Online transactions: Allows cardholders to shop online, reserve hotels, book flights etc.
- Daily transaction limits: Most banks place daily limits on transactions to reduce fraud risk.
Features of An Opay Debit Card
Here are some of the unique features and benefits of the Opay debit card:
- No account required: You don\’t need to have a bank account to get an Opay debit card. All you need is the Opay app.
- Virtual and physical card: You get both a virtual and physical debit card when you request for one on Opay.
- Cash withdrawals: Withdraw cash for free at any ATM in Nigeria. You get charged per withdrawal outside Nigeria.
- In-app airtime and data: You can buy airtime and data bundles directly from your Opay debit card within the Opay app.
- Card control: You can freeze/unfreeze or cancel your card anytime within the app. You can also set transaction limits.
- Buy now, pay later: Make purchases online and pay in three instalments over three months at 0% interest.
- Discounts and cashback: Enjoy up to 20% discounts and cashback at select vendors when paying with Opay card.
- Zero monthly fees: There are no account maintenance or transaction fees. Some limits apply.
- Pay bills easily: Pay for DSTV, PHCN, Smile, GoTV and other utility bills directly through the Opay app.
- Transact in multiple currencies: Opay card allows you to pay in USD, GBP and EUR currencies seamlessly.
How to Get Opay Debit Card
Requesting for an Opay debit card is a simple and fast process that can be done directly from the Opay app. Follow these steps:
Step 1: Download the Opay app
First, download and install the Opay app on your Android or iOS smartphone if you don\’t have it already. You can download the app from Google Playstore or Apple App Store.
Step 2: Register and create an Opay account
Open the app and provide your personal details to register. Make sure you provide accurate information. Read and agree to the terms and conditions.
Step 3: Request for your debit card
Go to the \’Me\’ section on the bottom right corner of the app. On the next page tap on ‘Request for your free Opay card’. Choose between a virtual card or physical card.
For virtual card, enter your BVN number when prompted then click on request card. The virtual card details will immediately appear which you can start using right away for online transactions.
For a physical card, after selecting the card type, enter your valid delivery address, card name and click on ‘Continue\’. Review all details provided then submit your request.
Step 4: Card approval and delivery
Opay will process your physical debit card request. This may take 2-3 business days. If approved, your card will be delivered to your stated address within 5-7 working days. A virtual card gets activated immediately.
You will receive tracking details to monitor delivery status. Contact Opay customer care if you don\’t get your physical card after 7 days of request.
Once approved, you\’ll get an SMS and in-app notification. Activate your physical card as soon as you receive it. You can then start using the card.
That\’s it! With these four simple steps, you can get an Opay debit card easily and start enjoying the benefits.
Common Challenges and Solutions
Here are some common challenges you may encounter when applying for the Opay card and solutions to fix them:
BVN verification failure – Ensure the BVN you provide is valid and linked to your Nigeria phone number. If it fails repeatedly, contact Opay.
Card delivery delayed – Courier issues may delay your card delivery. Contact Opay customer care if card is delayed by more than 7 working days.
Card not activated – Physical cards need to be activated first via OTP before use. Don\’t use it before activating.
Forgotten card PIN – You can generate a new PIN by contacting Opay customer care. Avoid sharing your PIN with others.
Card lost or damaged – Report immediately through the Opay app or customer care to block the card. Request for card replacement.
Card blocked – This could be due to suspicious activities detected. Contact Opay to resolve. Provide accurate info for verification.
OTP issues – Wrong OTP entered multiple times can block your access. Contact support if you\’re having OTP related issues.
Transaction failures – This can happen due to insufficient funds, wrong OTP or POS issues. Try again or contact bank.
Account suspension – Breaching Opay\’s terms can lead to account suspension. Follow up with customer care on resolution.
How to Block Your Opay Debit Card
If your card gets lost or stolen, it is important to block the card as soon as possible to prevent unauthorized transactions. Here is a step-by-step guide on how to quickly block your Opay card if the need arises:
Log in to Your Opay App
The fastest way to block your Opay debit card is through the Opay app. Download the app if you don\’t already have it installed. Open the app on your device and log in using your registered phone number or email ID and password.
Go to Card Management
Once logged in, tap on the profile icon at the bottom right. This will open the menu. Under ‘Account Settings’, tap on ‘Card Management’ to go to your card details screen.
Select Your Card
Under ‘My Cards’, you will see the active Opay debit card(s) linked to your account. Tap on the card you wish to block.
Choose \’Block Card\’
On the card details screen, scroll down and tap on ‘Block Card’. Confirm by tapping on ‘Yes’ when prompted to block your Opay card.
Enter Reason for Blocking
You will need to enter the reason why you want to block your card at this step. Select one of the provided reasons e.g Lost/Stolen, Fraud/Scam etc.
Confirm Blocking
Double check that you have selected the right card to be blocked. Once confirmed, tap ‘Block Card’ again to finalize blocking your Opay debit card.
That’s it. Your Opay card will now be immediately blocked and unusable for any transactions. You will get a notification confirming the same. You can request for a replacement card through the Opay app if needed. Be sure to keep your Opay PIN confidential at all times and contact customer care if you notice any suspicious activity on your account. Acting quickly can help limit any potential financial risks due to debit card fraud or theft.
Does Opay Card Work on Netflix?
One of the top questions asked by both existing and potential Opay cardholders is – can I use my Opay debit card to pay for my Netflix subscription? The answer is Yes, absolutely.
Here\’s a comprehensive look at how to use Opay cards on Netflix:
- Getting Started with Netflix First, you need to sign up for a Netflix account on www.netflix.com if you don\’t have one already. Netflix offers different subscription plans based on features like number of concurrent streams, video quality etc. Select your preferred plan.
- Associating Opay Card During Netflix sign up or in the payments section under your account settings, you can select \’Add Payment Method\’ and choose Opay card as the payment method. Enter the Opay card details – card number, expiry date and CVV.
- Initial and Recurring Payments The chosen Netflix subscription fee will be deducted upfront from your Opay card wallet balance. Subsequently, the monthly or annual fee will be automatically deducted on your Netflix billing date.
- Sufficient Balance Needed
Ensure your Opay card has enough balance at the time of billing, to avoid declined transactions due to insufficient funds. You can fund your card seamlessly via the Opay app. - Seamless Opay Visa Card Payments Opay leverages Visa\’s global payments platform. This enables the Opay card to securely process payments on international merchant sites and subscriptions like Netflix.
- Change Payment Method Anytime You can remove your Opay card and add a different payment method for Netflix anytime within your account. The Opay card details are saved during initial setup for future convenience.
- Enjoy Uninterrupted Netflix Experience Linking your Opay card means you don\’t need to manually enter payment info every month. This allows uninterrupted access to Netflix\’s content library on linked devices.
So by linking your Opay card to your Netflix account, you can seamlessly subscribe and make payments month-on-month. You get the dual advantage of Opay\’s discounts and Netflix\’s amazing entertainment catalogue.
Frequently Asked Questions
Here are some common questions about the Opay debit card:
How much does the card cost? The virtual cards are free, however physical cards cost N1,000
How do I withdraw cash?
You can withdraw from any ATM in Nigeria for free. Overseas withdrawals attract charges per transaction.
Can I use the card online?
Yes, Opay debit card can be used to make online purchases, book flights, pay for apps etc.
Is there a spending limit?
Yes, there are preset limits on daily ATM withdrawals and spending. Upgrade limits by providing additional KYC docs.
How do I check my balance?
Log into your Opay app and go to Opay account wallet to view your card balance.
How do I resolve a failed transaction? Contact Opay customer care for failed ATM, POS or online transactions. Or try the transaction again.
How do I get statement?
You can download your monthly e-statement from the Opay app by going to the Opay account section.
How do I reset my PIN?
Forgotten PIN can be reset by contacting Opay customer support and answering security questions.
What if my card expires?
Renewal or replacement card will be issued and delivered to you automatically before expiry date.
Wrapping Up
Getting an Opay debit card is quick and easy by following the simple steps outlined. The card offers you convenience, discounts and control over your spending. However, take measures to keep your card secure. Contact Opay customer care promptly if you face any issues with your card or account. Use the Opay debit card to enjoy seamless, stress-free payment experiences.