Best Opay Bank Apps

246+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated September 2026

With an average user rating of 4.5★, the opay bank category is one of the App Store's strongest. Browse all 246+ apps we track, sorted so the most loved ones surface first.

Compare top Opay Bank Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OPay BusinessOPay BusinessFree3.5★ (642)NoNoSep 2026
2WhatsApp MessengerWhatsApp MessengerFree4.7★ (19M)YesYesSep 2026
3Moniepoint Personal BankingMoniepoint Personal BankingFree4.6★ (31K)NoNoSep 2026
4SnapchatSnapchatFree4.5★ (5.9M)YesYesSep 2026
5TikTok - Videos, Shop & LIVETikTok - Videos, Shop & LIVEFree4.7★ (18M)YesYesSep 2026
6Audiomack - Play Music OfflineAudiomack - Play Music OfflineFree4.8★ (2M)YesYesSep 2026
7Mercado Libre: Compras OnlineMercado Libre: Compras OnlineFree4.8★ (354K)NoNoSep 2026
8FacebookFacebookFree4.5★ (28M)YesYesSep 2026

Top Picks for Opay Bank

3.5😞(642 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
  • 🐛 Sub-account withdrawal not working on iPhone
  • 🐛 Business account transfer features removed for Apple users
  • 🐛 Unable to buy airtime and data
  • 🐛 Unable to pay bills
  • 🐛 App showing 'Coming Soon' instead of functional features
  • 🐛 Account freezing issues
  • 🐛 Frozen accounts not unfreezing
  • 🐛 'Upgrade to latest version' message with no available update
  • 🐛 Accept large transfer not working on iOS
  • 🐛 Cannot register Nigeria phone numbers
  • 🐛 OTP only available via SMS, not email
  • 🐛 Money stuck in accounts
  • 🐛 Discrepancies in account balance
  • 😞 Poor customer service response
  • 😞 Confusing UI between OPay and OPay Business
  • 😞 App slower than previous version
  • 😞 Less user-friendly than previous version
  • 😞 iOS version lacks features available on Android
  • 😞 Forced merchant account integration unwanted by users
WhatsApp Messenger#2

WhatsApp Messenger by WhatsApp Inc.

Simple. Reliable. Private.
Strong Contender
🌐 Social Networking
4.7😊(19M ratings)
FreeAdsIn-App Purchases
#2in Social Networking
WhatsApp Messenger screenshot 1
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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)
  • 🆓 Free to use

Room to Improve

  • 🐛 Bugs and glitches (freezing, crashing, notification issues)
  • 🔒 Privacy concerns with data sharing
  • 🙈 Lack of customization and control (status, groups)
  • 📤 Backup and restore issues
  • 🚫 Arbitrary account bans
Moniepoint Personal Banking#3

Moniepoint Personal Banking by Moniepoint

Savings account | Send money
Worth Considering
💰 Finance
4.6😞(31K ratings)
Free
Moniepoint Personal Banking screenshot 1
Moniepoint Personal Banking screenshot 2
Moniepoint Personal Banking screenshot 3
Moniepoint Personal Banking screenshot 4
Moniepoint Personal Banking screenshot 5
Moniepoint Personal Banking screenshot 6

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.

What We Love

  • 🚀 Fast transactions
  • 👍 Smooth onboarding
  • 🔒 Secure banking
  • 💡 Innovative features

Room to Improve

  • 🐛 Login issues
  • 🐛 Transfer failures
  • 🔒 Account restrictions
  • 💸 Unexpected charges

More Opay Bank apps to explore

FAQ about Opay Bank

What are the best opay bank apps for iPhone?
OPay Business tops our opay bank apps ranking as of September 2026, with a 3.5-star average from 642 App Store ratings, and it's free to download.
Yes — 20 of the top opay bank apps we rank are free to download, including OPay Business and WhatsApp Messenger.
OPay Business has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 246+ opay bank apps on the iOS App Store as of September 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.