Welcome to the world of Opay, where exclusive rewards, bonuses, and cashback on transactions are just a few of the incredible benefits available to users. But did you know that you can take your earnings to the next level by using the Opay referral code? Whether you’re new to Opay or an existing user, the referral code is a surefire way to earn more money.

As a new user, you can claim a whopping ₦1,200 welcome bonus, simply by signing up with the referral code that we will reveal to you today. And if you’re already an Opay customer, we’ll show you how to get your own referral code, so you can earn up to ₦800 for each person you refer to the platform. So why wait? Discover the power of the Opay referral program today and unlock incredible benefits with just a few clicks!

Here’s the deal:

You’ll be given a unique referral code that you can share with your network. When someone signs up for Opay using your code or link, you’ll receive an 800 Naira reward, and your friend can get up to 1,200 Naira in welcome bonuses as they complete various tasks. It’s a win-win situation!

OPay Referral Bonus

So why not spread the word about Opay and start earning some extra cash? Share your referral code with friends, family, and colleagues, and watch as the rewards roll in. It’s that easy!

Why should I join OPay?

Here are the reasons:

Firstly, OPay is authorized by the Central Bank of Nigeria (CBN). This implies they’ve been granted the go-ahead to operate as a financial institution, and they’re held to rigorous standards in areas like security and transparency.

Secondly, The Nigeria Deposit Insurance Company (NDIC) ensures OPay. This adds an added degree of security to your finances, allowing you to rest easy knowing that they are secure.

But that’s not all – If you join OPay, you will also be able to earn up to 15% in savings interest. That’s a really good rate, and it might help your money rise over time.

Thus, if you’re seeking a dependable financial solution that may help you save money, OPay could be just what you’re looking for. Try it out and see for yourself!

Recommended: OPay Introduces USSD Code to Make the Transactions More Comfortable

New User Privileges

  • Welcome Bonus: Up to N1,200 cashback
    Up to 20% cashback
  • Add Money: Up to 20% cashback
  • Airtime/Data/Betting: Up to 100% cashback
  • Transfers (OPay): Up to 20% cashback
  • Daily Cashback: Free N10 cashback daily
  • Fixed Savings: Up to 20% cashback

OPay Account Opening to Grab FREE N1,200

Using the Opay referral code or link correctly will enable you to open an Opay account and receive a 1,200 Naira welcome bonus. To do this, simply follow the instructions below.

  1. To begin, click on this referral link to access the OPay bonus page. If you have already downloaded the app, just enter 7064706571in the referral code field and move on to step 5 below.
  2. On the webpage, insert your phone number and click on the “Download & Get ₦1,200” option.
  3. Now, download the app and continue the registration process by entering all of the essential information.
  4. When you’ve completed the sign-up process, log in to your Opay account on the app and choose “Add Money,” then load your wallet with at least ₦1,000 from your bank account. NOTE: You will not receive the bonus if you transfer money from another Opay account to your Opay account. As a result, it is preferable that you deposit the ₦1,000 from your own or someone else’s bank account.
  5. Following that, you’ll receive a 1,200 welcome bonus right away, with the rest incentives unlocked when you make additional purchases using Opay.

It is simply how to sign up for Opay by applying the Opay invitation code/link to receive your welcome bonus.

How To Refer And Earn

If you wish to refer a friend, you must first obtain and copy your Opay referral code, which you will share with your friends to receive a referral bonus as well as a welcome bonus.

OPay Referral Program

To acquire your Opay referral code, please follow the step-by-step procedure below.

  • Launch the Opay app on your smartphone.
  • On the Opay app home screen, tap “Refer & Earn” or click the “Me” icon in the bottom right corner.
  • Your invitation code will display to you.
  • Share your code with your friends and ask them to input it during their registration.
  • Also, Tap the “Earn ₦800” button.
  • Then, select the preferred channel to share your referral link.

The more you refer, the more you earn on the OPay referral program.

OPay Referral Rules

These are the referral rules according to the information found in the OPay app.

1. How do referrals work?

When your friend registers an account and completes the task through the link you’ve shared, you will get N800 cashback and your friend will get up to N7,630 cashback.

2. Who is a valid user?

A. The invitee’s phone number should be one that has not yet been registered with OPay as at the time the inviter makes a transfer to the phone number

B. After signing up on OPay, the invitee should top up his/her OPay account with N1000 or more using a bank card, cash deposit, bank transfer, or USSD. Please note that this does not include top-ups via OPay to OPay transfer and QR code.

3. About Cashback

After your friend has been invited to register and completed the required task successfully, both of you will get cashback. Cashback can be used in: bill payments, airtime, betting, tv, electricity, data, etc.

4. How can I check my referrals?

To check the status of people you referred, log in to your OPay account, select Home > 0thers > Refer friend > Referral History, to see if the person you invited is valid.

5. Other

A new user can only bind the inviter once, and one device and one BVN can only participate once. Suspicious invitation OPay reserves the right to suspend the award. There are many uncertain factors on the Internet, please understand and agree that, due to force majeure, network, communication line failure, large-scale computer paralysis, and large-scale cheating during the event, OPay has the right to take measures, including but not limited to eliminating abnormalities or adjusting, suspending, or canceling this activity through various methods and OPay will not be liable for any losses caused to you.

Also Read: Opay Debit Card is Now Available, Here is How to Get your Payment Card


The Opay referral program is a golden opportunity for anyone to earn money without any investment, and with the added benefit of a free N1,200 welcome bonus. Whether you’re new to Opay or have been a customer for a while, the program offers an easy and hassle-free way to earn referral commissions.

So why wait? Use the correct referral code to Open OPay Account and start unlocking incredible benefits today. With Opay, you have the power to earn money and improve your financial future. Don’t miss out on this chance to make the most of what Opay has to offer.

Please do help share this post with your friends using the share button below and also drop a comment.

Funsho Kolawole modified the post on Wednesday, March 15th, 2023.


I'm Funsho, a technology enthusiast who operates as a web designer, developer, and Pro-blogger. I am enthusiastic in sharing unique experiences and ideas on technology and trends.


  • Xbit52, February 10, 2020 @ 8:05 pmReply


  • Abdulrasheed Hussain, February 11, 2020 @ 3:04 amReply

    Your referral code is 7 digits but why my own is showing about 19 numbers?

  • Jamiu Akinyemi, February 11, 2020 @ 3:21 amReply

    I referred some people and I only got 10 Naira each

  • Shelaf, February 11, 2020 @ 7:48 amReply

    You will received the remaining N300 on each invitees once they completed the tasks.

  • Shelaf, February 11, 2020 @ 7:59 amReply

    Oh no, that should not be your correct referral code.

    1. Click on Cashback icon it's located at the top right corner of the app
    2. Then tap on Refer and Earn
    3. Your dashboard will be opened to you and then you can copy your referral code.

  • Godswill Timothy, February 11, 2020 @ 1:17 pmReply

    Nice works from opay.
    Am definitely getting the app soon.


  • Fatts, February 11, 2020 @ 5:34 pmReply

    Can i transfer to the people I refer so they can recharge from my opay balance?

  • Fatts, February 11, 2020 @ 5:34 pmReply

    Can i use my opay balance to fund the people I refer?

  • paradise, February 11, 2020 @ 6:02 pmReply

    Mine will just load and go back to the page

  • Abdulrasheed Hussain, February 11, 2020 @ 10:09 pmReply

    Ok I have seeing it and refer someone but they gave me 10 naira and I 100 naira recharge card with the account I refer.

  • Shelaf, February 12, 2020 @ 7:01 pmReply

    You are most welcome, dear Godswill.

    The app is cool, lots of services in a single app.
    Just give it a trial and you will really love their service.

  • Shelaf, February 12, 2020 @ 7:05 pmReply

    No, that we prevent both of you from getting the full rewards. New account needs to tied with new atm card.

  • Shelaf, February 12, 2020 @ 7:10 pmReply

    Kindly update your app to the latest version.

  • Shelaf, February 12, 2020 @ 7:13 pmReply

    You will earned your full reward once your invitee completed the tasks.

  • RedLyfe, March 20, 2020 @ 2:07 pmReply

    Hi sir, I refer my sister but she never have a bank account talk less of ATM card. How can she fund the account so we can both get the reward. Cos nah only 10# I got now.

  • Unknown, March 20, 2020 @ 2:34 pmReply

    Nice One, I cant wait to try it out

  • Anonymous, March 20, 2020 @ 9:45 pmReply

    What if I don't have ATM card

  • Josh Murray, March 26, 2020 @ 4:19 amReply

    Nice work!
    geometry dash

  • Unknown, March 27, 2020 @ 2:37 pmReply

    After I refer my friends and I earn money maybe to the wallet
    Pls how can I get the referral money to my bank account??

  • Olayinka, April 26, 2020 @ 3:27 amReply

    I got 10 naira after referal, and the person i referred already got 100 airtime to activate the account but i was still given 10 Naira cash back ?

  • Kristian, May 4, 2020 @ 9:29 amReply

    These things interest me but i don’t know how to go about them

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