How To Link NIN And BVN To Opay Account (2024): 5 Easy Steps

How to Link NIN and BVN to opay account
How to Link NIN and BVN to opay account

How To Link NIN And BVN To Opay Account: One of the leading fintech companies in Nigeria Opay, recently announced that customer accounts not linked to the owner’s National Identification Number (NIN) or Bank Verification Number (BVN) will be logged out and blocked as from March 1, 2024.

The announcement was made by the Company’s Director of Partnership Mr. Ikponmwosa Odiase on Wednesday 24th of January 2024 in an interaction session.

The reason for the announcement was to follow the directive issued by the Central Bank of Nigeria (CBN), directing all banks to place a “post no debit” restriction on all bank accounts without a BVN or NIN linked to it effective from April 1, 2024.

The meaning of the “post no debit” restriction is that you won’t have the privilege or access to withdraw, transfer, or perform any other debit function with your account.

The only option is Linking your Opay account to either a National identification number (NIN) or a Bank verification number (BVN).

According to Wikipedia, a National identification number (NIN) is been used to keep track of its citizens.

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Recall that Opay has 3 tiers of account, Tier One (1), Tier Two (2), and Tier Three (3).

According to our research, the only tier of account affected by this directive is the Tier One (1) account.

The reason is that a Tier One (1) account is the only account you can open without your NIN or BVN.

However, you can open a Tier One (1) account and upgrade to Tier 2 or Tier 3 if you wish to.

The Tier 2 and Tier 3 accounts require the NIN or BVN information before opening or upgrading.

In this article, I will be explaining the steps on how you can easily link your NIN and BVN to your Opay bank account using the bank app, and how you can know if your Opay Bank account has been linked successfully or previously.

However, before starting the process below, ensure you have your NIN or BVN handy.

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5 Easy Steps On How To Link NIN And BVN To Opay Account 2024

Step 1: Open Your Opay Bank App on your Phone and input your login details

Step 2: Select the “ME” option at the bottom of the app

Step 3: Click “Account Limit” option

Step 4: Click the “Upgrade to Tier 2” option.

Step 5: Input your BVN or NIN Number and click Next.

After Inputting your correct BVN or NIN number and clicking Next, Opay will obtain your BVN or NIN (whichever one you used) face, name, gender, and birthday to verify your account upgrade.

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You might be asked to confirm some personal information (like age, gender, date of birth, and so on) before successfully verifying and upgrading your account.

All you need to do is confirm it and if it’s correct, you just click OK or Next.

If you have followed these steps then, a “Congratulations your account has been upgraded” message will most likely pop up.

That is when you are sure that your Opay account has been linked to your BVN or NIN.

As a result, your account will not be blocked from “post no debit” transactions.

If you don’t see the above steps as written above and encounter any problems, please update your Opay account from the Play Store or the Apple Store and try the steps again.

If you still encounter any other issues, please contact Opay customer support for further assistance.

How To Know If Your BVN or NIN have been Linked To Your Opay Account

If your BVN or NIN has been successfully linked to your Opay account, your Opay account will change from Tier 1 to either Tier 2 or Tier 3.

Benefits Of Linking Your NIN And BVN To Your Opay Account

1. Your Opay account won’t be blocked from performing debit transactions as directed by the Central Bank of Nigeria.

2. Increased daily transaction limit from #50,000 (for tier 1 account) to #200,000 (for tier 2 account) or #5,000,000 (for tier 3 account)

3. Increased maximum account balance from #300,000 (for tier 1 account) to #500,000 (for tier 2 account) or unlimited amount (for tier 3 account).

4. Access to loans, grants, and financial aid from financial institutions.

5. To show full ownership of the account.

What will Happen If I Don’t Link My BVN or NIN To My Opay Account?

Your Opay Bank Account will be Blocked and logged out if you don’t link your BVN or NIN to your Opay Account as stated by Opay Director of Partnership, Mr. Ikponmwosa Odiase.


You should link your Opay account to your NIN or BVN to avoid being blocked.

The essence of this directive by the CBN is to monitor the circulation of money and restrict fraudulent activities in the country.

Linking your NIN or BVN just shows full ownership of your account. Be rest assured that your personal information gotten from your NIN or BVN is safe with Opay and won’t be shared with any third party.

3 thoughts on “How To Link NIN And BVN To Opay Account (2024): 5 Easy Steps”

  1. Pingback: How To Subscribe Dstv/Gotv/StarTimes With UBA Bank App (2024)

  2. Confidence Nweke

    Ibhave linked my nin but it is saying dat my nin is under 18 so my account has been frozen
    What should I do

    1. Hi Confidence,
      If your account have been frozen, please reach out to opay customer care, they will guide you on how to unfreeze your account.
      Please don’t respond to any other person aside opay official customer service.
      Check their official website for their contact information.

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