OPay vs tricount

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.

tricount is a free Android and iOS app for dividing shared expenses among friends, households, couples, travel groups, events, and clubs. Groups maintain a shared list showing each expense and who paid, then assign individual shares when an equal split is unsuitable. Costs can be entered in different currencies while a trip total is followed in one currency. Users can add expenses without a signal and synchronize them later, and existing Splitwise group expenses can be imported. Payment requests can be shared with people who owe money; split payments and instant transfers are supported. Linking a bunq Card can add shared purchases automatically. The free plan costs nothing, with no ads and no limits. The features page also describes optional paid travel eSIM data plans provided by bunq. bunq B.V. owns and operates tricount from Amsterdam, and support includes 24/7 live chat and email.