How to Delete Opay Account: 4 Methods to Close your Account

If you have been trying to delete or close your Opay account and you are finding it difficult to locate that option within the OPay app, then this information will guide you better.

Unfortunately, Opay does not make it easier for users to locate the account deletion button and a lot of users end up frustrated trying to figure out where the button is or who to contact.

The reason for that is simply because they want to keep this button in a more secured location so that users may not mistakenly click it and delete their account.

And that is simply because account deletion is a very serious and irreversible action and decision that must be taken with serious considerations.

To prevent accidental closure of accounts and to prevent fraud, Opay has put certain checks in place before an account can be deleted.

These checks are meant to check and protect both the user and the platform from issues like pending transactions or unresolved disputes.

This article will walk you through everything you need to know about deleting your Opay account, the steps you should take, what you need to sort out before you can delete your account and what happens after deleting your account.

See Also: How to Block OPay Account When Your Phone is Stolen

Key Checks Before Deleting or Closing your account

There are a few things you need to sort out before you even attempt to delete the account, and skipping these will delay the process.

1. Your wallet balance must be zero

Opay will not approve a deletion or account closure request while there is still money in your wallet. So before anything else, withdraw all the money in your account and confirm you have zero balance.

2. Any pending transactions must be cleared

If you have outstanding loan, a pending transaction, or any unresolved dispute, then you will need to resolve that first. Opay will not process deletion on an account with a pending unresolved issue.

3. You will lose your transaction history permanently

Once the account is deleted, there is no way you can revisit your past transaction history again.

So, if you need any of that history for personal record, tax purposes or proof of payment, then download the statements or take screenshots before you delete your account.

4. Your registered phone number gets freed up

After the account is deleted, the phone number tied to that account will become available again.

This means it can be used to open a new Opay account by you or by someone else if the number is reassigned to another person in the future.

5. Read Warning Before Proceeding

It is good practice to read the pop up warning message carefully before you proceed because once done, it cannot be undone.

See also information in these resources:

• How to Remove BVN from OPay Account
• How to Delete Transaction History on OPay—2026 Guide
• How to Borrow Money from OPay: 2026 Full Guide
• List of OPay USSD Code in Nigeria (2026)

Warnings Before you Proceed

• Once your OPay account is permanently deleted, it cannot be restored.
• You will lose access to your transaction history
• You’ll lose access to any funds left in your balance
• Deleting your account does not erase your financial records from OPay’s servers.
• You can temporarily stop using OPay without permanently deleting the account
• If the reason you want to delete the account is that you forgot your password or PIN, you can reset your password or PIN through the app without deleting your account

Remember, before you proceed, ensure that you:

• Withdraw all your money
• Complete all pending transactions
• Deactivate all active services
• Save any transaction information you need
• If you linked your OPay account to any third-party apps or services, unlink it from those platforms before deleting.
• Clear all existing debts and loans
• You don’t have any completed or ongoing transactions in the last 7 days

How to Delete Opay Account: 4 Methods Your Can Close Your Opay Account

Now let us go through the step by step process of deleting an Opay account.

Method 1: Close OPay Account Through the App

This is the most direct way to delete your account. Below are the steps:

Step 1:

• Login to your OPay app
• Once you are inside the app, click on “Me”
• Then click on the settings icon at the top right corner
• Scroll down until you see “Close Account”

Step 2: At this point you’ll see a pop up warning with the following messages:

After Successful Account Cancellation:

• Permanently Unable to Login or Use the Account
• ID, Account and Transaction Information will be cleared
• All Gained Benefits such as Cashback will be cleared
• For more details on Account Cancellation, please refer to ‘OPay Account Cancellation Notice’

Then you should click on “Confirm and Continue” to proceed

Step 3: On the next page, you’ll see this message:

Why do you want to close your account?

• I have another OPay account
• Don’t need an OPay account
• Got a new mobile number
• Poor customer service
• Switching Banks
• Worried about account theft
• Other

Select one and click on ‘Next’ to proceed to the next step

Step 4: The next you’ll see what show you the final decision. It there are still active services or debt on your account, you may see something like:

The account may not cancel due to the following reasons:

• Automatic investment has not been cancelled.
• Completed or ongoing transactions in the last 7 days
• Outstanding loans has not been piad back

Method 2: Delete Through Customer Service

• Login to your OPay app
• Once you are inside the app, click on “Me”
• Scroll down and click on ‘Customer Service Center’
• Click on “Live chat’
• Start a chat with a customer support agent
• Tell the agent that you want to permanently close your OPay account
• The agent will ask you some questions
• You’ll need to do few verifications to ensure the account is yours
• Once all requirements are satisfied, the agent will process your request

Method 3: Delete Through Email

This is actually the more reliable method and many users have reported faster responses through email compared to the in-app chat. Here is how to do it:

1. Open your email app
2. Compose a new email to help@opay-inc.com (OPay’s official customer support email)
3. In the subject line, type: Request to close OPay Account
4. In the body of the email, include the following information:
5. Your full name as registered on the account
6. Your registered OPay phone number
7. Your registered email address on the account
8. A clear statement that you want your OPay account permanently deleted
9. Your reason for deleting the account
10. Send the email and wait for a response from OPay’s customer support team
11. OPay’s team will reach out to you for necessary verifications before proceeding
12. Once all requirements are satisfied, the agent will proceed with your request

Method 4: Delete Through Phone Call

You can also call OPay’s customer support line directly to request account deletion. OPay’s customer support number in Nigeria is 0700 888 8328.

• Call the number from your registered OPay phone number
• Tell the customer service representative that you want to permanently close your OPay account
• The representative will want to verify few things to confirm your account details
• Once verified, they will proceed with your deletion request

What Happens After You Close Your OPay Account?

Once your OPay account is permanently closed or deleted, the following will happen:

• Once your account has been successfully deleted, you will no longer be able to log in using your old phone number, email or any of your previous credentials.
• You will lose access to the account permanently. It cannot be recovered.
• Your transaction history will no longer be accessible to you through the app.
• Your wallet balance, your saved beneficiaries and any other personal details tied to that profile will be wiped from their active system.
• Any remaining balance that was not withdrawn before deletion will be forfeited.
• The phone number may be freed up to be used for a new OPay account registration in the future
• Any linked services, bills or subscriptions tied to your OPay account will stop working.

FAQs About OPay Account Closure in Nigeria

Can I recover my OPay account after closing it?

No. Once your OPay account is permanently deleted, it cannot be recovered forever.

What happens to the money in my OPay wallet when I close the account?

Any money left in your OPay wallet at the time of deletion will be forfeited.

Can I open a new OPay account after deleting my old one?

Yes, but this will depend on OPay’s policy at the time of your request. Contact OPay customer support for clarification on this.

Will my transaction history be erased when I delete my OPay account?

Yes, but it is only you that will no longer be able to see your transaction history through the app after deletion but OPay is required by CBN regulations to keep financial records on their servers for regulatory and compliance purposes.

Conclusion

You can easily delete or close your OPay account through Opay app or  through the OPay’s customer support team either through the in-app live chat or via an email or by calling 0700 888 8328.

The most important thing to do before you start the process is to withdraw all the money in your wallet, complete or cancel any pending transactions and save any transaction records you might need later. Once the account is deleted, there is no option to restore it.