This post contains information about the Opay transfer limit, and overall account limits.
Opay is truly an online finance platform, but most of its operations and services are very similar to all other normal/physical banks.
On Opay, you can transfer money, receive money, make withdrawals, buy airtime, pay bills, save and invest, and lots more, just like other banks like GTB, UBA Access, Zenith, etc.
On surprising similar thing about Opay and other banks is that Opay also has a transfer limit, just like other banks too, where there’s a stipulated amount of money you could transfer per day.
Do you want to know the Opay transfer limit?
Then keep reading for in this post today, I’ll show you the exact Opay transfer limit, the Opay account type and their limits, and lots more.
Without wasting our time, let’s get started!
About Opay Transfer Limit
Opay transfer limit is a stipulated or cumulative amount of money that you can transfer on the Opay app.
This transfer limit can be segmented into two categories, where first one is the Opay transfer limit per transaction, and the second one is the Opay daily transfer limit.
Both transfer limits differ based on the account type you own and the level your account is in on Opay.
Yes, Opay is just similar to normal banks where accounts are categorized into tiers such as Students account, Tier 1 accounts, Tier 2 accounts, etc.
It is something similar on Opay too, but the name is different as Opay categorizes its own in another dimension which includes KYC 1, KYC 2, KYC 3, and the Opay Merchant account.
For all of these account types and levels, there are limits, such as the Opay transfer limit, daily transaction limit, maximum account balance, and so on.
Now, let’s see the limits for all the Opay Account levels.
Opay KYC Level 1 Limits
This is the first account type that will be automatically assigned to you once you created a new Opay account. Below are the limits of this account.
- Single transaction limit – ₦20,000
- Daily transaction limit – ₦50,000
- Cumulative transaction limit – ₦400,000
- 7 days cumulative transaction limit – ₦150,000
- Maximum account balance – ₦50,000

Opay KYC Level 2 Limits
This level is the one you’ll be upgraded to after passing the KYC 2 verification, where you’ll submit some bank details. Below are the limits of this level.
- Single transaction limit – ₦50,000
- Daily transaction limit – ₦200,000
- Cumulative transaction limit – Unlimited
- 7 days cumulative transaction limit – Unlimited
- Maximum account balance – ₦300,000

Opay KYC Level 3 Limits
After submitting more documents to fully verify you, level 3 is where you’ll be upgraded to. Below are the limits.
- Single transaction limit – 1,000,000
- Daily transaction limit – 5,000,000
- Cumulative transaction limit – Unlimited
- 7 days cumulative transaction limit – Unlimited
- Maximum account balance – Unlimited

See Also: Opay Sign Up On Phone
Opay Merchant Account Limits
This is the highest level account you can get on Opay. This is where you’ll be issued a POS machine if you applied for it. Below are the limits.
- Single transaction limit – Unlimited
- Daily transaction limit – Unlimited
- Cumulative transaction limit – Unlimited
- 7 days cumulative transaction limit – Unlimited
- Maximum account balance – Unlimited
Those are all the Opay account limit based on the account type and the level of your Opay account.
Now, let’s see break down the Opay transfer limit for all the account levels.

Opay Transfer Limit
The following are all the Opay transfer limits if you’re using your Opay account for transfer.
- Level 1 account transfer limit is ₦20,000 per transfer and ₦50,000 per day.
- Level 2 account transfer limit is ₦50,000 per transfer, and ₦200,000 daily.
- Level 3 account transfer limit is ₦1,000,000 per transfer, and ₦5,0000,000 daily.
- The merchant account transfer limit is Unlimited.
Related: How to Check Opay Account Balance
Opay Transfer Limit – FAQs
How much can I transfer on Opay per day?
On Opay, for a new or level 1 account, the amount you can transfer per day is N50,000, a level 2 account can transfer N200,000 per day, a level 3 account can transfer N5,000,000 daily, and there’s no limit to the amount an Opay Merchant can transfer daily.
What is the maximum amount I can transfer on Opay per day?
The maximum amount you can transfer on a level 1 Opay account per day is N50,000, a level 2 account can transfer N200,000 per day, a level 3 account can transfer N5,000,000 daily, and there’s no limit to the amount an Opay Merchant can transfer daily.
See Also: How to Fix Opay Login Problems
How much can I do per transfer on Opay?
On Opay, a new or a level 1 account can do a maximum of N20,000 per transfer, a level 2 account can do N50,000, a level 3 account can do N1,000,000 per transfer, and a Merchant account can do an unlimited amount per transfer.
Conclusion:
Transferring money on Opay is super cool as you won’t be charged any transfer fee whatsoever, irrespective of the amount you send and the bank you send it to. However, there are limits.
We believe this our post about the Opay transfer limit has helped you know your account limits and how much you can transfer on Opay daily and per transaction.
Peace!