How to Log in to OPay with your phone Number and Password

If you use OPay for your daily transactions, buying airtime, sending money, or paying bills, you will need to log in from time to time, especially after changing your phone or when the app logs you out.

OPay ties your account to your phone number. Your phone number serves as your account number and user ID. Opay uses your number to identify you.

This article will guide you exactly on how to log in with your phone number and password, what to do if you forget your password, and how to fix the most common login problems with OPay.

Facts About OPay Login

Your OPay login phone number must be the exact number you used during registration.
Your password is not your 4-digit transaction PIN. There are two different things.
OPay will never ask you for your password, PIN, OTP, or login details. Anyone who asks you for those details is a scammer.
If you enable biometric login, you can skip using your password to log in.
Multiple failed login attempts will cause your account to be temporarily locked.

How to Log In to OPay with Your Phone Number and Password

Step 1: Open the OPay app.

Open the OPay app on your phone if you have it, but if you don’t have it installed yet, download it from the Google Play Store or the App Store (for iPhone users).

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Step 2: Input your details.

On the welcome screen, type in your OPay phone number or email (if you have linked an email to your OPay account).

Note: The number must be your exact OPay phone number that is linked to that account.

After that, click on Next to proceed.

Step 3: Enter your password.

Type in your password. It must be the 6-digit password you created when you first set up your account.

Note: The password is different from the 4-digit transaction PIN.

If your password fails, then check for the following:

Caps Lock: Ensure your keyboard is not on Caps Lock.
Spacing: There should be no space between characters or at the end of the password.
Restricted Characters: Ensure you didn’t mistakenly type something else or use forbidden characters.

Step 5: Tap “Login” to access your dashboard.

After typing in your password, tap on Login to log in and access your account. You’ll be taken to your dashboard, where you can do whatever you want.

See Also: How to Lock Money on OPay

Opay Biometric Login

If you’ve enabled biometric login for your account, you can skip using a password and use your phone’s fingerprint. If you haven’t turned this on yet, you can follow the steps below to do it.

How to Enable Biometric Login

To enable biometric login that will allow you to use your fingerprint to log in to your account, follow these steps:

Login to your OPay app
Tap on ‘Me’ at the bottom.
Select the Settings gear icon.
Go to Login Settings
You will see “Login with fingerprint.”
Toggle it on, and you’ll be able to log in with your fingerprint.

Opay Pattern Login

OPay has introduced pattern login, where you don’t only need to use a password or fingerprint to log in again. Now, you can draw a pattern just the same way you do on your phone to log in and access your account. If you haven’t turned this on yet, you can follow the steps below to do it.

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How to Enable Pattern Login on OPay

To enable a turned-on login that will allow you to draw a pattern to log in to your account, follow these steps:

Login to your OPay app
Tap on ‘Me’ at the bottom.
Select the Settings gear icon.
Go to Login Settings
You will see “Login with Pattern.”
Toggle it on
Draw the pattern you want to use.
Redraw it to confirm
Activate and you’ll be able to log in with your pattern.

How to Log in to OPay with your phone number and password through the OPay web portal

If you’re on a computer or using a web browser, you can log in through OPay’s official web portal. To do this:

Visit official Opay login portal: https://open.opayweb.com/login

Note: You must create an 8-digit password for your web login. You can’t use your 6-digit app password on the web.

What to Do If You Forgot Your Password

If you have forgotten your password, then do this:

On the login screen, tap “Forgot Password.”
Enter the phone number linked to your account.
OPay will send a one-time verification code (OTP) via SMS to that number.
Enter the code in the app.
Proceed to create a new password
Confirm the new password
Go back to the login page to log in with it.

What if you don’t have the phone number?

If you have lost your SIM or you don’t have access to it, you can use other methods like facial verification, and OPay will use facial verification to verify that you are the one trying to change your password.

You can also change the phone number that is linked to your OPay account following the steps below.

How to Change OPay Phone Number

Login to your OPay app
Tap on ‘Me’ at the bottom.
Select ‘My Profile.’
Tap on ‘Mobile Number.’

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You’ll see the following information:

Change Phone Number

You may update your phone number if you no longer use this number (+234) or have lost access to it.
Once you’ve updated your phone number, you will no longer be able to use the previous number to access this account.
Your 10-digit OPay account number will be changed to your new phone number, without the first zero.
The new phone number will be used for login access, payment verifications, and other purposes related to this account.
Once your account is transferred to a new phone number, it cannot be reversed.

Click on ‘Proceed’ to continue, then enter your new phone number and proceed.

OPay account temporarily locked after failed attempts

If your account is locked temporarily due to multiple failed attempts to log in, just relax, wait for a short time, and then reset your password and try logging in again.

FAQs About OPay Login

Can I log in to OPay without the app?

Yes. OPay has a web portal that lets you log in using your phone number or email and password, but you must set a specific 8-digit password for the web login.

How do I change the phone number linked to my OPay account?

To do this, log in to your OPay app, tap on ‘Me’ at the bottom, select ‘My Profile,’ tap on ‘Mobile Number,’ then tap on ‘Proceed,’ type in your new phone number, and proceed.

Why does OPay ask me to verify my identity when I try to log in?

This is a security measure to confirm it’s really you and not someone else trying to gain unauthorized access to your account.

Can an OPay agent call and ask for my login details?

No. OPay will never ask for your password, PIN, or OTP through a call, SMS, or email. Anyone asking you for such is not an OPay agent but a scammer.

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Conclusion

Logging in to OPay with your phone number and password is very simple. The only challenge you’ll face is when you type your phone number or password wrongly.

Some other minor login problems include:

a typo error
using an outdated version of the app
a weak internet connection

If you have your OPay phone number with you, then you can use the password recovery feature to reset your password and log in to your account.

Author

Josiah Asuquo

Josiah Asuquo is a finance content writer and researcher from Akwa Ibom State, Nigeria. Here he provides up-to-date information on digital lending platforms and fintech services. He is the author and founder of Top20LoanAppInNigeria.com.ng.