Learning how to upgrade OPay account helps unlock higher transaction limits and more account features. The process is straightforward and handled through Know Your Customer (KYC) verification. Each account tier on OPay has specific requirements. If you’re using the app for daily transactions or business, upgrading helps remove unnecessary restrictions.
Understanding OPay KYC Levels and Tier Benefits
Every account on OPay starts with a default level, but users can upgrade to access more functionality. Each KYC level determines your transaction and balance limits.
Tier 1 Account: Basic OPay KYC Level for New Users
All new users begin with a Tier 1 account after creating one. You can sign up for an OPay account here, or follow this quick guide on how to open an OPay account.
- Required: National Identification Number (NIN)
- Daily Transfer Limit: ₦50,000
- Maximum Balance: ₦300,000
If you’ve not linked your BVN yet, you might ask how much an OPay account can hold without BVN. At this level, your limits remain lower.
Tier 2 Upgrade: How to Upgrade OPay Account to Tier 2
Upgrading to Tier 2 is a popular choice for users who want more flexibility for sending and receiving funds.
- Required: BVN, legal full name, and address
- Transfer Limit: ₦200,000 per day
- Balance Limit: ₦500,000
You can perform the upgrade directly from your profile in the OPay app.
Tier 3 Requirements: Full OPay KYC Verification and Unlimited Access
Once you meet the Tier 2 requirements, you can move to Tier 3. This tier removes limits on transactions and allows full access.
- Required Documents: Government-issued ID, utility bill, BVN, passport photo
- Transfer and Balance Limits: Unlimited
While the process involves more verification, it is ideal for frequent and business-level users.
Step-by-Step Guide on How to Upgrade OPay Account in the App
Upgrading is handled inside the OPay app and usually takes just a few minutes for Tier 2. Tier 3 takes longer due to document checks.
OPay Tier 2 Upgrade Process and Requirements
- Open your OPay app and log in
- Tap the profile icon at the top left
- Select “Upgrade KYC Level”
- Choose Tier 2
- Enter your BVN, name, and current address
- Submit the form and wait for confirmation
Ensure the information matches your BVN to avoid rejection.
OPay Tier 3 Upgrade: Documents Needed and Approval Time
- Head to the same KYC upgrade section
- Choose Tier 3
- Upload your valid ID (e.g., NIN slip or international passport)
- Provide a recent utility bill
- Attach a passport-style photo
- Submit your BVN again for verification
After submission, it may take up to 48 hours to receive a response.
How OPay Account Verification Works at Every Tier
Verifying your account is necessary for completing any tier upgrade. Each level asks for specific documents and personal details.
Documents Required for OPay KYC Levels
Your documents must be valid, clear, and consistent with your OPay profile.
- Tier 2: BVN, full legal name, and address
- Tier 3: ID card, utility bill, passport photo
- Merchant: Tier 3 docs plus CAC certificate
If you change numbers or need to update your profile, here’s how to change your phone number on OPay.
Solving OPay Account Verification Issues
If your upgrade fails:
- Recheck the accuracy of submitted data
- Confirm that your ID hasn’t expired
- Submit clearer document images if needed
- Contact support through the app if delays continue
OPay Merchant Account Upgrade for Business Users
Those operating businesses or sending large sums may apply for merchant-level access. This tier provides unlimited features and higher-level support.
Merchant Account Requirements After Tier 3 Completion
- Valid ID (same as Tier 3)
- Business registration document (CAC)
- A verified phone number and email
Once these are ready, begin the merchant application.
Steps to Apply for an OPay Merchant Account
- Open the OPay app and go to your profile
- Tap “Upgrade” and select “Merchant”
- Upload the requested documents
- Confirm your business contact details
- Submit and wait for manual approval
The process typically takes longer, but opens full business tools inside the app.
Final Reminders for Smooth Account Upgrades
Before attempting to upgrade, ensure all your personal data matches across your documents. Many users make the mistake of entering nicknames or uploading expired IDs. Submitting the correct details on the first try increases your chances of success.
To check your current balance or confirm upgrade status, you can always use the OPay USSD code to check account balance.
Article updated 3 weeks ago. Content is written and modified by multiple authors.
