How to Withdraw Money From Your Opay Account (Step-by-Step)

In today’s digital age, mobile financial services have become an integral part of our lives. OPay, a popular mobile money platform, offers convenient ways to manage your finances, including withdrawing money. In this guide, we’ll walk you through the steps on how to withdraw money from your OPay account.

Understanding OPay

Before we delve into the withdrawal process, let’s get acquainted with OPay.

OPay is a mobile-based platform that provides various financial services, including money transfers, bill payments, and mobile top-ups. It’s widely used in Nigeria and other African countries, offering a seamless way to handle financial transactions using just your smartphone.

How to Withdraw Money from OPay

Withdrawing money from your OPay account is a straightforward process. Here’s a step-by-step guide:

Step 1: Ensure Sufficient Balance

Before initiating a withdrawal, make sure you have enough funds in your OPay account to cover the amount you want to withdraw. You can top up your account through various methods, including bank transfers, card payments, or by receiving funds from other OPay users.

Step 2: Open the OPay App

Unlock your smartphone and open the OPay app. If you haven’t already downloaded the app, you can find it on the Google Play Store or Apple App Store.

Step 3: Log In

Log in to your OPay account using your registered phone number and PIN. Ensure that you keep your login credentials confidential to protect your account.

Step 4: Locate the “Cash Out” Option

Once you’re logged in, navigate through the app’s menu to find the “Cash Out” or “Withdraw” option. It’s usually prominently displayed on the home screen or within the main menu.

Step 5: Select Your Withdrawal Method

OPay offers multiple withdrawal options, such as:

  • ATM Card Withdrawal: If you’ve linked your ATM card to your OPay account, you can select this option and follow the on-screen instructions to complete the withdrawal.
  • OTC Withdrawal: Over-the-counter withdrawal allows you to visit an OPay agent or partner location to withdraw cash. You’ll need to provide your OPay account details and a valid ID.
  • Bank Transfer: You can also transfer your OPay funds to your bank account if it’s linked to your OPay profile.

Step 6: Enter Withdrawal Details

Depending on your chosen withdrawal method, you’ll need to provide relevant details. For ATM card withdrawals, you may need to enter your card details. For OTC withdrawals, provide your OPay account details and ID.

Step 7: Confirm and Complete

Review the withdrawal details for accuracy, including the amount you want to withdraw. Once you’re satisfied, confirm the transaction. You may receive a withdrawal reference number for tracking purposes.


Step 8: Collect Your Cash

For OTC withdrawals, visit the designated OPay agent or partner location to collect your cash. If you’ve chosen another method, such as bank transfer, the funds will be transferred accordingly.

FAQs (Frequently Asked Questions)

1. Are there fees for withdrawing money from OPay?

Yes, OPay may charge fees for certain withdrawal methods. The fees can vary, so it’s advisable to check the OPay app or website for the most up-to-date information on withdrawal charges.

2. Can I withdraw money from OPay without an ATM card?

Yes, you can withdraw money from OPay without an ATM card using over-the-counter (OTC) withdrawals or by transferring the funds to your linked bank account.

3. How long does it take to receive my withdrawn funds?

The time it takes to receive your withdrawn funds can vary depending on the withdrawal method you choose. ATM card withdrawals are typically faster, while bank transfers may take a bit longer.

4. Is it safe to use OPay for financial transactions?

OPay prioritizes the security of its users’ financial information. However, it’s essential to keep your login credentials and personal information secure to prevent unauthorized access to your account.

5. Can I withdraw money from OPay at any time?

Yes, OPay allows you to withdraw money at any time, subject to the availability of funds in your account. Withdrawals can be made 24/7 for your convenience.


With OPay, managing your finances and withdrawing money has never been easier. By following these simple steps and keeping your account secure, you can enjoy the convenience of mobile money services while ensuring your financial transactions are safe and efficient.

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