How To Activate Opay ATM Card online

a person using a credit card to pay for a machine

Opay is a mobile payment platform or a Fintech that is used for online transactions and digital services. It is operated in several African countries like Nigeria, Ghana, and Kenya.

Opay has an Automatic Teller Machine (ATM) which can be used to make a cash withdrawal from the platform. They have a card also known as the Opay Virtual Card, this card doesn’t function like an Opay ATM card. It is used to make online transactions while Opay ATM is used to physically withdraw money.

If you want to know how to activate an Opay ATM card, this article provides you with accurate steps to activate the Opay ATM card.
Let’s walk you through the process of activating your Opay ATM card.

How To Activate Opay ATM Card

After you apply for an ATM card, Opay will send you a Visa Debit Card which is not yet activated.
Now to activate, you have to:
1. Open Your Opay App, and log in using your mobile number and password.
2. Navigate to the “Me” section located at the bottom of the screen. Click on the “Cards” option.
3. Choose the ATM card you want to activate, and click on the “Activate” button.
4. Input your ATM card security details at the required place, details such as CVV and PIN Code. After entering all the details, move to the next option.
5. Click on “Confirm” to activate your Opay ATM card. After you have confirmed the settings, your ATM card will be automatically activated.


Opay is one of the best mobile transaction platforms in most African countries especially Nigeria with secure and safe usage. It offers many digital services such as money transfers, payments of bills, purchase of airtimes and data, and many other Interesting features.

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Opay initiated the ATM card to help its users make cash withdrawals as the feature wasn’t available.
We hope that with these steps, you can activate your Opay ATM card.


After following the steps, how long does it take the ATM card to be activated?
Ans: After following and implementing all the outlined steps, your Opay ATM card will be activated immediately, though there may be a little delay sometimes which may be due to network issues.

If after following the steps my ATM card wasn’t activated, what should I do?
Ans: After you have followed the steps, filled in all required details, and your ATM card isn’t activated. Ensure to contact Opay Customer Support, they may help in fixing the issue.
Can I activate multiple ATM cards on one account?

Ans: Yes, you can activate multiple ATM cards on one account. Each card will have its unique details.
How much fee is needed to activate an Opay ATM card?
Ans: There is no fee for the activation of an Opay ATM card, it is free of charge.
What is the difference between Opay Virtual Card and Opay ATM card?

The difference between the two is that Opay Virtual Card is only used for online transactions and it can’t be used to withdraw money while the Opay ATM card is used physically and can be used to make cash withdrawals.


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