OPay vs Remitly
OPay
opayweb.com
Remitly
remitly.comSide by side
| Figure | OPay | Remitly |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | — |
| Plans published | 1 | 3 |
| Spec score · Peer-to-Peer Payment Apps | 8.5 (#5) | 8.7 (#4) |
| Founded | 2018 | 2011 |
| Headquarters | Lagos, Nigeria | Seattle, Washington, USA |
| Transfer limits | OPay notes that free transfer limits and other restrictions may apply and directs users to the app for current terms. | Sending limits apply over 24 hours, 30 days, and 180 days, varying by sender and recipient location. |
Plans
Remitly
- Bank depositFree
- Cash pickup$2.99, paid once
- New customer promotional ratePrice not published
In their own words
OPay
OPay is a financial services platform for users, agents, and merchants in Nigeria. Its app supports account funding, transfers to Nigerian bank accounts, bill payments, airtime and data top-ups, debit cards, and savings options. OPay says bank transfers and bill payments have no extra charge, subject to transfer limits and other restrictions. Active debit cards have zero maintenance fees and can be used at Nigerian ATMs, POS terminals, and online payment platforms. Savings choices include OWealth, Spend & Save, Fixed Savings, Target Saving, and SafeBox; OPay says OWealth earns daily interest while funds remain accessible. Merchant tools include PCI-compliant REST APIs, hosted Express Checkout, and e-commerce plugins such as WooCommerce. Documented payment flows include cards, bank transfers, USSD, bank accounts, POS, and OPay wallet QR payments. The app is listed as free and supports Android and iOS, with API access for merchants. OPay says it is licensed by Nigeria's Central Bank and insured by the Nigeria Deposit Insurance Corporation.
Remitly
Remitly is a mobile app for sending money internationally, available on Android and iOS. It serves more than 175 countries and offers several ways for recipients to receive funds: bank account, mobile wallet, cash pickup, mobile money, home delivery, or debit card deposit. Senders can pay by bank transfer, debit or credit card, Apple Pay, or Google Pay. Before sending, the app displays the exchange rate, fees, and total cost; exchange rates are variable, and transfer speed is listed as instant. Transfers can be tracked, and recipients do not need to install the app or sign up. The app is free to download, and a free plan is listed. For transfers from the United States to France, bank deposit is free and cash pickup is $2.99, paid once. A new-customer promotional rate applies to the first 1,500.00 USD sent. Sending limits vary by sender and recipient location and apply over 24 hours, 30 days, and 180 days. Remitly says it refunds fees if a transfer is not delivered on time.