Best Opay-We Are Beyond Banking Apps

3.6😞(840 ratings)

Free

#97in Finance

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

Moniepoint Personal Banking by Moniepoint

Savings account | Send money

Strong Contender

4.6😞(33K 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

WhatsApp Messenger by WhatsApp Inc.

Simple. Reliable. Private.

Worth Considering

🌐 Social Networking

4.7😊(19M ratings)

FreeAdsIn-App Purchases

#2in Social Networking

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

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Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards

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(22)

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Bank & invest with Mashreq UAE

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(2)