Best Opay Bank Apps

237+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated July 2026

With an average user rating of 4.4★, the opay bank category is one of the App Store's strongest. Browse all 237+ apps we track, sorted so the most loved ones surface first.

Compare top Opay Bank Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1OPay BusinessOPay BusinessFree3.6★ (465)NoNoAug 2026
2Moniepoint Personal BankingMoniepoint Personal BankingFree4.6★ (30K)NoNoAug 2026
3WhatsApp BusinessWhatsApp BusinessFree4.7★ (1.5M)YesYesAug 2026
4SnapchatSnapchatFree4.5★ (5.9M)YesYesAug 2026
5WhatsApp MessengerWhatsApp MessengerFree4.7★ (18M)YesYesAug 2026
6Audiomack - Play Music OfflineAudiomack - Play Music OfflineFree4.8★ (2M)YesYesAug 2026
7Zangi - Private MessengerZangi - Private MessengerFree4.0★ (8.8K)NoYesAug 2026
8TikTok - Videos, Shop & LIVETikTok - Videos, Shop & LIVEFree4.7★ (18M)YesYesAug 2026

Top Picks for Opay Bank

OPay Business#1

OPay Business by OPay Digital Services Pte.Ltd.

Editor's Choice
💰 Finance
3.6😞(465 ratings)
Free
#90in Finance
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
Moniepoint Personal Banking#2

Moniepoint Personal Banking by Moniepoint

Savings account | Send money
Strong Contender
💰 Finance
4.6😞(30K 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
WhatsApp Business#3

WhatsApp Business by WhatsApp Inc.

Worth Considering
💼 Business
4.7😐(1.5M ratings)
FreeAdsIn-App Purchases
#16in 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

More Opay Bank apps to explore

4
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
5
WhatsApp Messenger
WhatsApp Messenger
WhatsApp Messenger
Simple. Reliable. Private.
Free

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.

End-to-end encrypted messagingHigh-quality voice and video callsGroup chats and calls
🌐 Social Networking
(18M)
free with in-app purchases
6
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
7
Zangi - Private Messenger
Zangi - Private Messenger
Zangi - Private Messenger
Secure. No trace. Fast
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
(8.8K)
free with in-app purchases
8
TikTok - Videos, Shop & LIVE
TikTok - Videos, Shop & LIVE
TikTok - Videos, Shop & LIVE
Watch, discover and stream!
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
9
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
(276K)
free with in-app purchases
10
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
(28M)
free with in-app purchases
11
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
(132K)
freemium
12
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
13
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
14
Messenger
Messenger
Messenger
Text, audio and video calls
Free

Connect with friends and family through text, audio, and video calls. Share photos, videos, and large files, and express yourself with custom themes and animated content. Features an AI assistant for help and support.

Text, audio, and video callsHigh-definition photo sharingShared photo albums
🌐 Social Networking
(13M)
free with in-app purchases
15
UBA Mobile Banking
UBA Mobile Banking
UBA Mobile Banking
by United Bank For Africa Plc
Free

Experience enhanced mobile banking with quick biometric login, faster navigation, and intuitive screens. Manage your finances on the go with features like an ATM locator, live chat support, and easy bill payment reminders.

Biometric quick loginFaster sliding menu navigationIntuitive screen design
💰 Finance
(12K)
free
16
Access More
Access More
Access More
by Access Bank Plc
Free

This innovative mobile payment app goes beyond traditional banking, offering seamless financial transactions, payment solutions, and lifestyle experiences. It provides personalized services, ease of use, and a wide range of features from quick account opening to investment services and bill payments.

Quick account openingPersonalized dashboards and themesInvestment services
💰 Finance
(117K)
free
17
myMTN NG
myMTN NG
myMTN NG
MTN
Free

This app provides MTN Nigeria customers and non-customers access to a wide range of MTN products and services. It offers a streamlined shopping experience for managing accounts, purchasing airtime and data, and accessing lifestyle content like news and entertainment.

Login with social media or MTN numberBuy or borrow airtime and dataReal-time account balances
📊 Productivity
(14K)
free
18
GTWorld
GTWorld
GTWorld
by Guaranty Trust Bank PLC
Free

Manage your mobile banking and finances with a redesigned application. Open accounts, transfer money, pay bills, and buy airtime all in one place. Features include biometric login, incognito mode, and card controls.

Open new accounts with selfie verificationBiometric and facial recognition loginIncognito mode to hide balances
💰 Finance
(45K)
free
19
FirstMobile App
FirstMobile App
FirstMobile App
by First Bank of Nigeria Limited
Free

This official mobile banking app offers convenient access to financial and non-financial transactions for account holders. It features a DIY enrollment process, allowing new customers to open accounts and existing customers to register without visiting a branch.

Financial transactionsNon-financial transactionsDIY enrollment
💰 Finance
(2K)
free
20
ALAT
ALAT
ALAT
Digital Bank, Bills, Airtime
Free

This digital banking app offers a comprehensive suite of financial services, including bill payments, money transfers, savings options, and access to loans and insurance. It provides secure login, transaction tracking, and card management features for a seamless banking experience.

Digital banking servicesBill payments and schedulingLocal and international money transfers
💰 Finance
(2.3K)
free

FAQ about Opay Bank

What are the best opay bank apps for iPhone?
OPay Business tops our opay bank apps ranking as of July 2026, with a 3.6-star average from 465 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 Moniepoint Personal Banking.
OPay Business has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 237+ opay bank 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.