Best Opay Apps

107+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

Every iPhone needs a few good opay apps. We benchmark 107+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Opay Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OPay BusinessOPay BusinessFree3.5★ (337)NoNoJul 2026
2WhatsApp BusinessWhatsApp BusinessFree4.7★ (1.5M)YesYesJul 2026
3WhatsApp MessengerWhatsApp MessengerFree4.7★ (18M)YesYesJul 2026
4Audiomack - Play Music OfflineAudiomack - Play Music OfflineFree4.8★ (2M)YesYesJul 2026
5SnapchatSnapchatFree4.5★ (5.9M)YesYesJul 2026
6Moniepoint Personal BankingMoniepoint Personal BankingFree4.6★ (29K)NoNoJul 2026
7Gmail – почта от GoogleGmail – почта от GoogleFree4.7★ (2.4M)YesYesJul 2026
8Telegram MessengerTelegram MessengerFree4.0★ (275K)NoYesJul 2026

Top Picks for Opay

OPay Business#1

OPay Business by OPAY DIGITAL SERVICES PTE. LTD.

Editor's Choice
💰 Finance
3.5😞(337 ratings)
Free
OPay Business screenshot 1
OPay Business screenshot 2
OPay Business screenshot 3
OPay Business screenshot 4
OPay Business screenshot 5
OPay Business screenshot 6

This app empowers Nigerian businesses with a comprehensive financial management suite. It offers diverse payment collection methods, employee and store management, and access to over 200 billers for seamless operations and growth.

What We Love

  • 👍 Good app functionality overall
  • 💡 Bill payment feature requested and appreciated

Room to Improve

  • 🐛 Missing loan icon in updated version
  • 🐛 Transaction history not displaying properly
  • 🐛 Sub-account creation failing on iPhone
WhatsApp Business#2

WhatsApp Business by WhatsApp Inc.

Strong Contender
💼 Business
4.7😐(1.5M ratings)
FreeAdsIn-App Purchases
#17in Business
WhatsApp Business screenshot 1
WhatsApp Business screenshot 2
WhatsApp Business screenshot 3
WhatsApp Business screenshot 4
WhatsApp Business screenshot 5
WhatsApp Business screenshot 6

This app offers business tools to help you work smarter, build trust, and grow your customer base. It provides automated messages, organized conversations, and a professional profile to enhance customer interactions and sales.

What We Love

  • 🚀 Excellent communication tool
  • 👍 User-friendly interface
  • 🔒 Secure messaging
  • 💡 Helpful business features

Room to Improve

  • 🐛 Frequent app crashes and hangs
  • 🔍 Lack of customer support
  • 🔒 Privacy concerns with account suspensions
WhatsApp Messenger#3

WhatsApp Messenger by WhatsApp Inc.

Simple. Reliable. Private.
Worth Considering
🌐 Social Networking
4.7😊(18M ratings)
FreeAdsIn-App Purchases
#2in Social Networking
WhatsApp Messenger screenshot 1
WhatsApp Messenger screenshot 2
WhatsApp Messenger screenshot 3
WhatsApp Messenger screenshot 4
WhatsApp Messenger screenshot 5

Connect with friends and family globally through private messaging and high-quality calls. Share moments, documents, and stay in touch across devices, even on slow connections. Your conversations are secured with end-to-end encryption.

What We Love

  • 💬 Great communication tool
  • 🌍 Connects people globally
  • 🔒 Secure and private messaging
  • 📱 Versatile features (calls, video, groups)

Room to Improve

  • 🐛 Bugs and glitches (freezing, crashing, notification issues)
  • 🔒 Privacy concerns with data sharing
  • 🙈 Lack of customization and control (status, groups)

More Opay apps to explore

4
Audiomack - Play Music Offline
Audiomack - Play Music Offline
Audiomack - Play Music Offline
Stream music & songs offline
Free

Stream and download music, mixtapes, and albums for free. Discover new artists and trending tracks across various genres. Customize playback with audio effects and listen offline without data.

Stream and download musicOffline listeningPlaylist creation
🎵 Music
(2M)
freemium
5
Snapchat
Snapchat
Snapchat
Share the moment!
Free

Instantly share photos and videos with friends and family. Express yourself with creative tools, connect through live messaging and video calls, and discover content from the community. Save your favorite moments and explore shared memories.

Camera with Lenses and FiltersLive Messaging and Video ChatFriend and Group Stories
📷 Photo & Video
(5.9M)
free with in-app purchases
6
Moniepoint Personal Banking
Moniepoint Personal Banking
Moniepoint Personal Banking
Savings account | Send money
Free

This app provides a secure and convenient way to manage your finances in Nigeria. Open an account, send and receive money instantly, pay bills, buy airtime, and grow your savings with competitive interest rates. It offers a comprehensive digital banking solution for everyday financial needs.

Open bank account instantlySend and receive money fastEarn up to 18% interest on savings
💰 Finance
(29K)
free
7
Gmail – почта от Google
Gmail – почта от Google
Gmail – почта от Google
Надежно, быстро и удобно
Free

This application provides a secure and efficient email experience with advanced features like spam blocking, smart replies, and multi-account support. It integrates with other Google services for enhanced productivity and collaboration.

Robust security & spam blockingReal-time notificationsMultiple account support
📊 Productivity
(2.4M)
free with in-app purchases
8
Telegram Messenger
Telegram Messenger
Telegram Messenger
Fast. Secure. Powerful.
Free

A fast, secure, and powerful instant messaging app synced across all devices. It offers unlimited media and file sharing, robust encryption, and extensive group chat capabilities. Enjoy a simple, private, and customizable communication experience.

Cross-device synchronizationUnlimited file and media sharingEnd-to-end encrypted secret chats
🌐 Social Networking
(275K)
free with in-app purchases
9
TikTok(ТикТок)
TikTok(ТикТок)
TikTok(ТикТок)
Make Your Day
Free

Discover and create short-form videos, stream LIVE content, and shop for products from brands and small businesses. This platform inspires creativity and joy through personalized content feeds and easy-to-use editing tools.

Personalized video discoveryShort-form video creationLIVE streaming
🎬 Entertainment
(18M)
free with in-app purchases
10
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

Free bank account openingFree money transfersAutomated savings
💰 Finance
(133K)
freemium
11
Signal - Private Messenger
Signal - Private Messenger
Signal - Private Messenger
Say “hello” to privacy.
Free

This messaging app prioritizes your privacy with strong end-to-end encryption for all communications. It offers free text, voice, and video messaging, including group chats and disappearing stories, all without collecting your data.

End-to-end encrypted messagingFree voice and video callsGroup chats up to 1000 people
🌐 Social Networking
(1.1M)
free with in-app purchases
12
X
X
X
Breaking News & Social Media
Free

Connect with a global community in real-time for breaking news, live events, and conversations. Share your thoughts, discover trending topics, and engage with diverse perspectives. Features include an AI assistant, live audio/video, and private messaging.

Real-time breaking news updatesPost thoughts, photos, and videosAI assistant for news summaries
📡 News
(11M)
free with in-app purchases
13
ChatGPT
ChatGPT
ChatGPT
Your everyday AI assistant
Free

This app provides access to advanced AI capabilities, including text generation, image creation from descriptions, and voice conversations. It offers personalized advice, creative inspiration, and instant answers for various tasks, syncing history across devices.

Image generation from textAdvanced voice conversationsPhoto upload and transcription
📊 Productivity
(8.9M)
free with in-app purchases
14
Facebook
Facebook
Facebook
Connection starts here
Free

Connect with friends and discover communities based on your interests. Share moments, explore content, and use AI tools to express yourself creatively. Find unique items and engage with creators.

Personalized feedMarketplace shoppingAI-powered content creation
🌐 Social Networking
(27M)
free with in-app purchases
15
Instagram
Instagram
Instagram
Videos, creators & friends
Free

Connect with friends and discover new content through photos, videos, and short-form entertainment. Share your daily moments and life's highlights, or dive into personalized feeds based on your interests.

Short-form video creation and discovery (Reels)Ephemeral content sharing (Stories & Notes)Private group chats (Close Friends)
📷 Photo & Video
(29M)
free with in-app purchases
16
YouTube
YouTube
YouTube
музыка, видео и клипы
Free

Watch and subscribe to a vast array of videos, from music and gaming to news and learning. Discover trending content, connect with creators, and even upload your own videos. Offers options for ad-free viewing and exclusive perks.

Personalized video recommendationsSubscribe to favorite channelsExplore trending and popular content
📷 Photo & Video
(48M)
free with in-app purchases
17
Zangi Private Messenger
Zangi Private Messenger
Zangi Private Messenger
Safe. No Trace. Encrypted
Free

A secure messaging app prioritizing user privacy with end-to-end encryption and no data collection. It allows private registration without a phone number and prevents unsolicited contacts, ensuring your conversations remain confidential.

Private registration without phone numberNo unsolicited contactsNo data collection on servers
🌐 Social Networking
(8.7K)
free with in-app purchases
18
Spotify: Music and Podcasts
Spotify: Music and Podcasts
Spotify: Music and Podcasts
Songs, Playlists & Audiobooks
Free

Stream millions of free songs and podcasts, create personalized playlists, and discover new music. Upgrade for ad-free listening, offline downloads, and audiobooks.

Stream millions of songs and podcastsCreate and share playlistsPersonalized music recommendations
🎵 Music
(41M)
freemium
19
Moniepoint Business Banking
Moniepoint Business Banking
Moniepoint Business Banking
Mobile bank account|POS|Loans
Free

This app offers comprehensive mobile banking solutions for businesses. It allows users to open business accounts, accept payments, manage expenses with dedicated cards, purchase airtime, and pay bills. Businesses can also request POS terminals and access savings plans to grow their reserves.

Business bank account creationAccept online and offline paymentsPOS terminal requests
💰 Finance
(15K)
free with in-app purchases
20
Chrome – браузер от Google
Chrome – браузер от Google
Chrome – браузер от Google
Быстрый и безопасный от Google
Free

This web browser offers fast and secure internet access, integrating Google Search and Lens for quick information retrieval. It provides robust security features like enhanced protection and password management, and syncs your data across devices for seamless browsing.

Fast and secure browsingGoogle Search and Lens integrationEnhanced protection mode
🔧 Utilities
(3.7M)
free with in-app purchases

FAQ about Opay

What are the best opay apps for iPhone?
OPay Business tops our opay apps ranking as of July 2026, with a 3.5-star average from 337 App Store ratings, and it's free to download.
Yes — 20 of the top opay apps we rank are free to download, including OPay Business and WhatsApp Business.
OPay Business has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 107+ opay apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
The OPay Business app is designed for Nigerian retail businesses to manage their finances and operations. It provides tools for collecting payments through various methods, managing employees and stores, applying for and managing POS devices, and accessing over 200 billers for services like airtime and utilities.
Key features include omnichannel payment collection, a unique account for receiving transfers, easy application and management of OPay POS devices, the ability to manage branches and employees within one app, downloading insightful business statements and reports, and access to over 200 billers for essential services.

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