Opay physical card vs virtual debit card: There are factors worth considering before choosing between these two payment methods by Opay.
While the Opay physical card is mostly used for in-person transactions, the Opay virtual card only works for online transactions. Although their features are different, choosing one is based on personal preferences and needs.
Learn about their difference and how to get the right Opay debit card that suits your lifestyle.
Read: How to get Opay Sign-up Bonus
Opay Physical Card
The Opay physical card is a verve debit card, linked to your Opay Wallet and Owealth balance. You can use it anywhere a physical Verve card is accepted. It is a debit card you can use for both online and offline transactions.
For instance, with your Opay physcical card, withdraw money from ATMs, purchase goods from shopping centres, pay for services on websites and so on.
Some of the benefits of Opay physical card icludes:
- Zero card maintenance: Opay does not charge you a quarterly or yearly maintenance fee, unlike other banks.
- 10 free ATM withdrawals: Opay allows you to withdraw from any ATM in Nigeria up to 10 times.
- Free Card issuance: Applying for Opay physical card is free
Opay Virtual Card
Opay virtual card is a digital payment Naira card linked to your Opay Wallet and Owealth balance. With this Opay Verve card, you can pay for goods and services on different online sites in Naira currency.
The Opay virtual card is available for all customers. If you want one, apply for it on the Opay app. Within minutes, you get your Opay card, activate it and use it for online transactions.
Read more on How to get Opay Virtual Card and Limit
What are the Differences Between Opay Physical Card and Virtual Card
The Opay physical card and virtual debit card are two payment cards from Opay. They different in nature but similar in use cases. Therefore, it is important to know the difference before applying for one of it.
Here are the main differences between Opay physical card and virtual card:
1. Card Features
The first difference between Opay physical debit card and virtual card is their nature. Opay physical card is tangible but the virtual card is intangible. With the physical card, you can hold it, put it in your wallet and tender it physically. However, Opay virtual card is in digital form; it consists of the card details on the Opay app.
2. Usage
An Opay physical card is useful for both online and offline transactions but the virtual card only works for online transactions. Because it is tangible, you can use the physical card in ATMs, retails shops and places where a debit card is accepted.
This is not possible with Opay virtual card. Opay virtual card only works for online transactions such as on websites. It works anywhere you only need to enter your card details as against swiping or inserting the debit card
Opay Physical vs Virtual Card. Which One to Choose?
Now you know the main differences between the Opay physical card and virtual debit card, which one should you choose? The choice depends on your personal preferences, needs, and how you plan to use the card.
Here are factors to consider when choosing between Opay physical card and virtual card:
1. Usage
If you want a single card that can be used for both in-person and online transactions, an Opay physical card is the right option. However, if you only need to make online transactions, consider getting the Opay virtual card. Especially, when you have ATM cards from other Nigeria banks, getting another physical card from Opay might be unnecessary.
2. Security
Since, an Opay physical cards is tangible, it can be lost or stolen thereby exposing you to fraud unless you act fast. Additionally, because the card details – card number, expiry date and CVV – are visible, it pose security issues if not careful. These make Opay physical card less sucured to the virtual card
On the other hand, an Opay virtual debit cards is more secure. All your card details are on the app. And to view the Opay virtual card details, you must enter your PIN. Also, you can manage your card Opay virtual card on the app such as to set the transaction limit and change PIN. All these make the Opay virtual card generally more secure than the physical card.
3. Convenience
Physical debit cards are convenient for everyday in-person transactions and ATM withdrawals.
Virtual debit cards are convenient for online shopping and digital payments, and they are instantly available for use.
Final Thoughts
The Opay physical card and virtual naira card both have their benefits and drawbacks. Choosing one is entirely your choice as long as it suits your goal. And of course, you can get both Opay physical card and virtual card.
Therefore, try it and let me know your experience.
Lastly, let me know your opinion by dropping comments below.
