
How to Verify Opay Account & Without BVN (2023)
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Are you looking for how to verify your Opay account and solve issues concerning it? This post gives in-depth information on Opay verification.
You can verify your Opay account with phone number and email address, without BVN. However, to unlock more features, you must upload certain documents (BVN, ID, utility bill) to verify your Opay account completely.
Find out in this post Opay verification process and other related topics.
Read: How to get Opay Sign-up Bonus
Opay Verification
Opay verification is a process of confirming the legitimacy customer’s personal information. Note that you fill out a form when opening the Opay account. Opay will verify these information at some point in time. Such as your full name, age, phone number, email address, residential address etc.
Just like other banks KYC (Know Your Customer) in Nigeria, Opay verification helps to curb rising cases of fraudulent activities.

There are reasons why you should verify your Opay account.
First, the verification increases your Opay account limit. For instance, by verifying your Opay tier 2 account from tier 1, you can transfer more than ₦50,000 per transaction. Therefore, if you cannot transfer money from your Opay account, verify your account. Then, you can transfer to another bank account in Nigeria.
Also, verifying an Opay account unlocks more features. There are certain Opay services you cannot use unless you verify your account. For instance, get a loan or an ATM card.
Hence, the more you verify your Opay account, the more you enjoy Opay services on your phone.
How to Verify Opay Account without BVN
The first part of Opay verification takes place when opening an Opay account. At this stage, you only need to verify some of your personal information. Such information include your phone number and email address. The verification will activate your Opay tier 1 account without BVN.
Hence, to verify your Opay account without BVN, you
How to Verify Opay Account with Phone Number
The first step of Opay verification is the phone number without BVN. To verify your phone number, Opay will send a verification code to it you input. Enter code correctly on the Opay app your account.
Here is how to verify Opay account with phone number:
- Download the Opay app on Google Playstore or App Store
- Tap Create a new account
- Enter your Phone Number
- Then, tap Get OTP and enter the 6 digits sent to your phone.

By following this process, you will verify your Opay account with your phone number.
Read: How to Open Opay Account
How to Verify Opay Account with Email Address
Also, Opay will verify your email address by sending a link to the email address you entered.
Here is how to Verify Opay Account with Email Address:
- Enter your email address when opening an Opay Account
- Opay will send a verification message to the email you provided
- Open and click on the Opay verification link
- Then, the next page confirm your email address is verified.
You can confirm your email address is verified by checking your Opay account profile. To locate your profile account on Opay, tap the profile icon located at the top-left corner. Here, you will see your email address is showing a verify. You can also find your Opay account number in this section.

Read: How to Open Opay Account without BVN & NIN
How to Complete Verification on Opay
The next stage of verification occurs during upgrading of Opay account. To upgrade to Opay tier 2 or tier 3, you must supply some documents to authenticate your personal details. Such as BVN, Government ID (NIN, Driver’s license etc) and utility bill. Then, Opay will verify the documents.
Here is how to complete verification on Opay with BVN:
- Opay Opay app
- Tap the profile icon located at the top left corner
- Then, tap Upgrade to Tier 2
- Fill in the details and enter your BVN
- Next, tap on Upgrade to Tier 3
- Then, upload a selfie photo, Valid ID, and utility bill

For instance, to upgrade to Opay tier 2 account, you enter your full name and BVN. Then, Opay will use your BVN to verify your name.
By following these steps, you will complete Opay verification process. This will upgrade your Opay account to tier 3. Here, your Opay tier 3 account balance is unlimited with a daily transaction limit of 5 million Naira.
Why is my Opay Account Not Verified?
There are a lot of reasons why your Opay account is not verified. This depends on which verification you carrying out. But I will give some examples.
First, for the phone number verification, if you enter incorrect verification code in the box, your Opay account will not be verified.
Second, you must click on Opay verification email you get. If you do not, your email address will show unverified.
Thirdly, Your Opay account will not be verified if there your personal details does not match the document you upload. For example, your name and date of birth must match with the BVN or NIN. If not, your Opay account will not be verified.
Also if you upload a blur or expired document, Opay will not verify your account.
When you rectify the issue, your Opay account will be verified. However, if you cannot, contact Opay customer care to resolve it.
Even if non of these is your case, contact Opay customer care on the app support section or online. A customer care representative will assist you in solving the issue.
Final Thoughts
In summary, it is necessary to verify an Opay account. However, some verification are compulsory while others are not. For example, you must verify your phone number and email address. You may choose not to upload other documents such as BVN, NIN, utility etc
Hence, if you choose to verify your Opay account without BVN, you will remain in tier 1. So you cannot progress to an Opay tier 2 and tier 3 account.
I hope you find this information helpful.
Therefore, try it and let me know your experience by dropping comments below.