OPY

OPay Charges

🇳🇬 NGN (₦) · Including all taxes

OPay is one of the leading mobile money services in Nigeria, serving millions of users. The operator charges no domestic send fee, but a government levy also applies. Note that Nigeria applies a government levy on mobile money transactions. Use the fee tables below to see all charges including government taxes.

How much does OPay charge per transaction in 2026?

On OPay in Nigeria, receiving is free. Sending money is free. Cashing out costs 0.5% up to ₦19,999.99, up to ₦100 on larger amounts. A state tax also applies (Stamp Duty (EMTL)). Tariffs verified against the operator source (June 2026).

Provider

Amount

₦NGN

OPay Send Money Fee Tiers in Nigeria

Range	Fee
Free	Free Free
Free	Free Free

OPay Withdrawal (Cash-Out) Fee Tiers in Nigeria

Range	Fee
₦1 - ₦19,999.99	0.5% 0.5% of amount (POS withdrawal)
₦20,000+	₦100 Flat ₦100 above ₦20,000 (POS)

Nigeria Mobile Money Levies & Taxes

Stamp Duty (EMTL)

Levy active

A flat ₦50 charge on all electronic transfers of ₦10,000 and above. Officially recategorised as Stamp Duty under the Nigeria Tax Act 2025 (effective January 2026), the levy is paid by the sender. Applies to banks, OPay, PalmPay, Moniepoint and all fintechs. Exempt: transfers below ₦10,000, salary payments, intra-bank self-transfers.

Paid by sender

About OPay in Nigeria

Nigeria's wallet market is led by the free-transfer fintechs OPay and PalmPay, with MTN MoMo and Moniepoint charging small flat fees. Because OPay, PalmPay and Smartcash move money free, they set the price floor; the telco wallets compete on reach, not on fee.

On pricing, here is how OPay structures its fees. Sending is priced by band : free up to ₦9,999.99; free above ₦10,000. Cash-out is priced by band : 0.5% ₦1–₦19,999.99; flat ₦100 above ₦20,000. Receiving money is free; the cost sits at sending and at cashing out to physical cash.

Government levy. Nigeria applies a government levy (Stamp Duty (EMTL)) on top of the operator fee — it is already included in the calculator totals above.

How to use it. You manage OPay via the mobile app, the operator's USSD menu (no internet needed), or an authorised agent to deposit and withdraw cash. Fees are identical on every channel — the schedule above applies with no per-channel surcharge, and an agent should never charge cash on top of the fee deducted from your balance.

To compare OPay with the other operators in Nigeria for your exact amount, use the calculator at the top of this page or open the Nigeria page. Tariffs rendered from our database, verified in 2026.