As we all know, Opay is a popular online finance platform that let you save, transfer, withdraw, buy airtime and do almost every banking transaction.
However, similar to normal/physical banking, there are account types and levels on Opay, and these levels come with their own requirements and limits respectively.
So, if you just open an Opay account, you shouldn’t be surprised if you can’t do a lot of transactions. This is because your account is limited yet and needs an upgrade to unlock the level where you can do more.
That is why we’ve brought before you how to upgrade Opay account to show you all the Opay levels, their limits, requirements, and step-by-step, how to upgrade to new levels easily.
Without a waste of time, let’s get started!
About Opay KYC Level & Upgrade
Opay is just like a normal physical bank where your account has levels (tiers) and can be upgraded.
For example, the account levels that we are most familiar with in Nigeria are student accounts, tier 1 accounts, tier 2 accounts, and co-operate accounts. So Opay too has its own version of account types too.
However, the names given to Opay account types are different as you’ll see KYC1 instead of Students account. And the list goes from KYC2 to KYC3 and the highest level which is the merchant account.
While there are a lot of levels on Opay, each and every one of them comes with limits such as transfer limit, account balance limit, and so on.
Therefore, before upgrading your Opay account, I would like to show you the account types and their limits so that you can choose the perfect one for you.
Opay KYC Levels
Like I said earlier, Opay has a KYC account level where you can get to a new level every time you upgrade your account.
The following are all the Opay KYC levels.
- KYC level 1 – ₦50,000 maximum account balance, and ₦50,000 maximum daily transaction.
- KYC level 2 – ₦300,000 maximum account balance, and ₦200,000 maximum daily transaction.
- KYC level 3 – Unlimited maximum account balance, and 5,000,000 maximum daily transactions.
- Opay merchant account – Unlimited maximum account balance, and unlimited daily transactions.
Now that you know all the levels and their limits, let’s see how to upgrade your account to those levels respectively.
Related: How Much Can Opay Hold Without BVN
How to Upgrade Opay Account
Upgrading your Opay account is very easy once you have the requirements needed.
Like I said earlier, just look at Opay account upgrade just like a normal bank account upgrade.
Of course, you’ll need to provide some documents at the bank if you want to upgrade your account from one tier to another.
Fortunately, the difference between upgrading an Opay account and upgrading a normal bank account is that Opay upgrade requirements are flexible.
All you need is the following.
- A Bank Verification Number (BVN)
- An Identity (ID) Card
- A selfie
- A recent utility bill
Since level 1 is the first level let’s see how to upgrade Opay account to level 2 now.
Read Also: The Opay Referral Code to Earn Free Money
How to Upgrade Your Opay Account to Level 2
To upgrade your Opay account, all you need to do is log in to your Opay account, then click on your profile icon at the top left corner of your screen, then scroll down and click on the “Upgrade to KYC 2” button.
Once the page load, then proceed to fill in all the required information and upgrade your account.
To make it simple, here’s a step-by-step guide on how to upgrade your Opay account to level 2.
- Open the Opay app and log in to your account.
- On your dashboard, click on your profile image icon located at the top left corner of your screen.
- Now, scroll down a little and click on the “Upgrade to KYC 2” button.
- Then, fill in all the required information to upgrade your account.
That’s simply how to upgrade Opay account to level 2. Now, let’s see how to do it for level 3.
How to Upgrade Opay Account to Level 3
Similar to upgrading your account to level 2, you can upgrade your Opay account to level 3 by simply logging into your Opay account, clicking on your profile image icon, clicking the “Upgrade to KYC 3” option, and then filling in the required information to upgrade your account.
Also, here’s a step-by-step guide to upgrading your Opay account to level 3.
- Open the Opay app and log in to your account.
- On your dashboard, click on your profile image icon located at the top left corner of your screen.
- Now, scroll down a little and click on the “Upgrade to KYC 3” button.
- Then, fill in all the required information to upgrade your account.
Check Out: Opay Investment & How to Make Money with it
Upgrading Your Opay Account to a Merchant Account
This can also be done in a similar way to the above levels. All you need is to follow the steps below.
- Open the Opay app and log in to your account.
- On your dashboard, click on your profile image icon located at the top left corner of your screen.
- Now, scroll down a little and click on the “Upgrade to Merchant” button.
- Then, fill in all the required information to upgrade your account.
That’s simply how to upgrade your Opay account to a merchant account.
Upgrading An Opay Account – FAQs
What do I need to upgrade my Opay account?
To upgrade your account on Opay, all you need is a valid BVN, an ID card, and a Utility bill payment proof.
How can I upgrade my Opay account?
To upgrade your Opay account, all you need to do is click on your profile image icon located at the top left corner of your Opay dashboard, then click on the button to upgrade your account and fill in the required information.
That’s all.
By now, if you’re among those seeking answers to how to upgrade my Opay account, I believe this post about how to upgrade Opay account has supplied you with what you seek.
Cheers!
My Opay account is insisting that my informations are not correct
Thanks for your reply, but unfortunately, we’re not by anyway the Opay team. You can contact them via the contact info on their website to make your complaint.
Opay insisting my information id is incorrect
I can’t get any otp what should I do
It may be the network. Just wait a while and try again.
Someone transfered a certain amount of money beyond my opay account limit but imidiately upgraded it to level 3. Please will it be reversed to the person because i have not received any alert.
Wait for about 48 hours. If the money isn’t reversed, contact Opay customer care.
Am trying to upgrade my tier from level one telling me address is not correct
Why my account didn’t upgrade to tier 1
Maybe you’re not filling in the correct information
What does opay tier 2 requires is it nin or bvn
BVN
Opay ask for my Bvn for me to move to tier2 which I did since then I cannot transfer from my Opay account please help me out
Please contact Opay through phone call. You can find their number on their website.
Please someone transfer money to me,I saw the receipt and it’s said fail,I later upgrade to Tier2,and uptil now the money is not reflecting on my Account balance have call your customer care they are not picking.. please don’t really know whatelse to do need help
Note, we are not Opay, we just share information about them online. You can send an email to Opay complaining your issue. You can get their email on their website. Normally, they reply email within 48 hours.
Friday ohiro
I’m finding it difficult to upgrade my opay account
I transfered money to.my opay till now is still showing me pending.
Just be patient, it will deliver
Pls someone sent me money but is higher than my opay account balance pls what should I do
Upgrade your account
Someone should pls help me with a utility bill for me to upgrade my account
Can I receive dollar in my opay account?
No
Does the upgraded KYC 2 or 3 account receive dollar
No
Pls when does the daily transfer limit restart does it restart my 12am in the morning
Am trying to upgrade my OPay account to tier 3 is not working and I have huge amount of money in my savings can they fixed it when I go to there office
It’s better you just call them, send them an email.