How To Get Opay ATM Debit Card (Physical Card) Anywhere in Nigeria



Opay physical card is one of the fastest ATM cards now and is popular among students and everyone because of the number of users Opay App has, including the Opay POS Machine and Operator in Nigeria. In today’s tutorial content, we show you how to activate Opay debit card on atm machine, how to get Opay debit card, how does Opay debit card work and how to activate Opay debit card on app.

Are you asking How can I get my OPay physical card? Here is a solution:

It is with no doubt that Opay according to some users is one of the best Microfinance banks, if not the Number one.

However, there is no point in being the best without providing a debit card for your users, and opay has made this available for its interested users.

 An Opay ATM debit card in Nigeria is an uncomplicated process that permits you to have a suitable and commonly accepted payment method.

Opay is a financial service platform that offers various services, including the issuance of debit cards.

There are so many t­­hings you need to know about having an opay debit card such as you can either have a physical or virtual card, the card has a nice design, no network issues.

Interesting right? Now, lets dive deep into the details for more insights.

Types of Opay Debit Cards (how to get it )

The opay has two types of debit cards which are physical and virtual cards respectively, I’m going to give you in-depth details on how you can get each of these cards:

Physical Debit Card

Opay made available  an option for its users to request a physical debit card through its mobile app stress-free and here is a detailed way you can acquire yours:

The first step is to

  1. Open Opay App:

open the Opay mobile app on your smartphone, you can download from Google play store if you are an android user or the App store for iphone users.

  • Log In:

Log in to your Opay account with your registered phone number and password.

  • Go to the Card Services:

You have to look for the card services features. Of which this might be tagged as “Card,” “Banking,” or something similar to it .

  • Request a Physical Card:

When you have arrived in the card services option, there should be a button that indicates to request a physical debit card. This may be described as “Request Card”. Or the pickup from nearby merchants if you have trust issues, of which a map appears showing you nearby merchants along with phone numbers.

  • Input the Necessary Information:

Follow the screen prompts to input any necessary information for the card request process. This includes your delivery address and other important details.

  • Pay the Atm service fee:

You have to pay the charges for your card issuance and delivery, of which it will be debited from your opay balance, so it is advised to fund your account ahead.

  • Confirmation and Approval:

You have to confirm your request, and wait for Opay to process and accept your application for the physical debit card.

  • Wait for Card Delivery: (How long does it take for OPay to deliver debit card?)

When the approval is done and accepted, Opay in normal basis send the physical debit card to the address you provided in the course of the application process. Mind you the delivery time may vary depending on your location, so be patient and don’t freak out.

  • Activate Your Card:

Now, once you receive the physical debit card, abide by the instructions which was provided to activate it. This may be done through the app.

  1. Start Using Your Opay Debit Card:

After activation, your Opay debit card is ready for various transactions, including making purchases and withdrawing cash from ATMs and POS stands.

How to request for Opay Debit card: Virtual Card 

This feature is mostly for users who doesn’t want to pay for the physical  card, or are careless with their atm cards.

One of the benefit of this virtual card is that it is cost free.

To request a virtual debit card from Opay, follow these general steps:

   1. Open Opay App:

Open the Opay mobile app on your phone.

2. Log In:

Next step is to log in to your Opay account with your registered phone number and password.

   3Go to Card Services:

Find the card services features. Which is tagged as “Card”.

  4. Tap the Virtual Card Option:

   Within the card services section, there’s an option specifically for virtual cards at the top right.

  5. Request Virtual Card:

    After navigating to the virtual card, follow the screen prompts to request it. You may need to provide some important  information, and then a verification process.

 6. Confirmation and Approval:

   Confirm your request, and wait for Opay to process and accept your virtual card application.

7. Check App for Card Details:

    Once approved, check the app for the details of your virtual card, which includes the card number, CVV, and Expiry date. These details are important for online transactions.

Note: The virtual card is secure and the details are hidden, of which you need to out your 4 digit transaction pin to see the card details, unless someone knows your 4 digit pin I can guarantee you 100 percent safety.

Also, there is a customize feature which enables you to customize your virtual card to your taste.

Opay ATM Card Benefits

    1. Payment Convenience:

   Opay debit cards, provides a convenient way to make transactions for goods and services at various merchants both online and offline.

2. Ability of ATM Withdrawals:

Opay Debit cards convinently allow users to withdraw money from ATMs, creating provision to funds in a stress-free manner.

3. Online Transactions:

    The Opay debit card is used for online transactions and payments, making it convinient for users to shop on e-commerce platforms, pay bills, pay for their subscription and perform other internet-based transactions.

5. Safety/Security Features:

   Opay debit cards usually comes with security features like the Personal Identification Number (PIN) protection, transaction notifications, and some other additional security steps for online transactions.

6. Transaction Monitoring:

Opay, offer mobile apps or online platforms that enables users to monitor their card transactions, check balances, and manage their accounts with ease.

7. Cashback and Rewards Programs:

Opay is known for its cashback rewards or loyalty programs that gives benefits such as discounts, points, or cash incentives for using the card for some certain transactions.

8. No Debt Accumulation:

    Like we all know this is a debit card so unlike credit cards, debit cards are not a form of credit, so users are spending their own money, reducing the risk of accumulating debt.

What is the difference between OPay physical card and OPay virtual card?

The difference between Opay Physical Card and Opay Virtual Card is that you can use the physical card to request for Withdrawal at any bank ATM point and POS machine but the Virtual Card can only be used to make online payments that require a Card Number and CVV digit. However, you pay a token fee of 1,000 naira to get an Opay Physical ATM card.


In conclusion, for emergencies and other needs for physical cash; it is important to have Opay ATM physical card that you can use to withdraw from any bank ATM stand or POS machine close to you.


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