How To Get Opay Atm Card, Debit Card and Account Number

Have you ever found yourself in a situation where you needed a quick and convenient way to access your funds or make online payments, only to realize that you don't have a debit card or ATM card to facilitate those transactions? 

If you're in Nigeria or certain other African countries, you're in luck because OPay, the innovative fintech platform, has got you covered! In this article, we will put you through how you can get the Opay account number, debit card, and ATM card. 

How To Get Opay ATM Card

Obtaining an OPay ATM card is a straightforward process, and it can be incredibly convenient for managing your finances and making transactions. Follow these steps to get your OPay ATM card:

  • Download the OPay App: If you haven't already, you need to download the OPay mobile app on your smartphone. The app is available for both Android and iOS devices and can be easily found on your device's respective app store.
  • Register or Log In: Once you have the app, you'll need to register for an OPay account if you're a new user. If you're an existing user, simply log in to your OPay account.
  • Complete KYC (Know Your Customer) Verification: OPay, like any other financial service, requires some level of identification for security and regulatory purposes. You'll be asked to provide some personal information, including your name, phone number, and a valid identification document (usually your national ID card, driver's license, or international passport).
  • Add Funds to Your OPay Wallet: To get an OPay ATM card, you need to have sufficient funds in your OPay wallet. You can add money to your wallet through various means, including bank transfers, mobile money agents, or even by linking your bank account.
  • Request an ATM Card: Once your OPay account is set up, and you have funds in your wallet, it's time to request your ATM card. To do this, open the OPay app and navigate to the "Cards" or "My Cards" section. There, you should find an option to request an ATM card.
  • Card Selection and Payment: You'll be prompted to choose the type of card you want – it could be a physical debit card or a virtual card. If you opt for a physical card, you may need to pay a fee. The virtual card is usually free. Follow the on-screen instructions to make the payment or select the free virtual card.
  • Card Delivery: If you've chosen a physical card, you'll need to provide your delivery address for the card to be sent to you. This could take a few days to a couple of weeks, depending on your location. The virtual card, on the other hand, is instantly available for use.
  • Activate Your Card: When you receive your physical card, it will likely come with activation instructions. Follow these instructions to activate your card. Virtual cards are usually active as soon as you request them.
  • Set PIN: For security reasons, you'll be required to set a Personal Identification Number (PIN) for your card. This PIN will be used for ATM withdrawals and other card transactions.
  • Start Using Your OPay ATM Card: Once your card is activated and the PIN is set, you can start using it for various financial transactions, including ATM withdrawals, online payments, and in-store purchases.

Remember to keep your card and PIN safe and do not share your PIN with anyone. Using an OPay ATM card can make your financial transactions more convenient and efficient, allowing you to access your funds whenever and wherever you need them

How To Get Opay Debit Card 

To get the Opay debit card, you need to follow the easy guide which we have listed above, on how you can get the ATM card. 

Both the ATM card and debut card, serve the same purpose and are used interchangeably, hence download the app, and complete the verification process to get your Opay debit card. 

How To Get Opay Account Number 

There are two ways to get your OPay account number:

Through the OPay app

  1. Open the OPay app and log in to your account.
  2. Tap on the "Profile" icon located at the bottom right corner of the screen.
  3. Under the "Account Information" section, you will find your OPay account number.

Through the OPay website

  1. Go to the OPay website and log in to your account.
  2. Click on the "My Account" tab located at the top right corner of the screen.
  3. Under the "Account Summary" section, you will find your OPay account number.

Please note that your OPay account number is different from your bank account number. Your OPay account number is used for OPay transactions, such as sending and receiving money, paying bills, and purchasing airtime. Your bank account number is used for transactions with your bank, such as withdrawals, deposits, and transfers.

Read Also: What to do when Loans Apps Send Messages to Your Contacts and Still Threaten You and Them


How do I get my OPay debit card?

To obtain your OPay debit card, you can follow these steps:

  • Download the OPay app on your smartphone.
  • Sign up or log in to your OPay account.
  • Add funds to your OPay wallet.
  • Request your debit card within the app.
  • Follow the provided instructions for activation.
  • Set a PIN for security.
  • Start using your OPay debit card for various transactions.

Where is CVV located on OPay ATM card?

The CVV (Card Verification Value) on an OPay ATM card is typically located on the back of the card. It is a three-digit security code found in the signature panel. This CVV is crucial for online and card-not-present transactions to confirm the card's authenticity.

How long does it take for an OPay card to arrive?

The delivery time for an OPay card can vary depending on your location. Physical cards may take a few days to a couple of weeks to arrive at your provided address. Virtual cards, on the other hand, are usually available for immediate use after you request them.

Can OPay Verve card be used for online payment?

Yes, OPay Verve cards can be used for online payments. Verve is a widely accepted card network in Nigeria, and you can use your OPay Verve card for various online transactions, including shopping, bill payments, and more.

How many digits is the Verve card number?

A Verve card number typically consists of 16 digits. This 16-digit number is unique to each card and is used to identify and link transactions to your card. When making online or in-store payments, you'll need to provide this card number, along with other details like the CVV and expiration date, to complete the transaction.


As we wrap up this guide, let's recap the key points. OPay is all about making your financial life easier. You can get three important things from OPay: an ATM card, a debit card, and a unique account number.


Remember, your OPay account number is not the same as your bank account number. It's used for OPay transactions, while your bank account number is for traditional bank activities.

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