‎Does Opay Have a SWIFT Code in 2025?

‎If you're looking for a SWIFT code for Opay to receive international funds directly, here’s what you need to know:
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Opay & International Wire Transfers
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‎Opay operates in Nigeria as a mobile money operator under the name Paycom Nigeria Limited, holding a microfinance banking license from the Central Bank of Nigeria. As such, Opay does not have a SWIFT (BIC) code like commercial banks do—meaning it cannot receive direct international wire transfers (e.g., USD, EUR) using SWIFT.
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‎However, some UK-registered branches under the global Opay umbrella (such as Opay Holding Limited in the United Kingdom) have had a SWIFT code—namely OPAHGB22 or OPAHGB22XXX—though recent sources indicate the code may no longer be active .
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‎What You Can Use Instead of SWIFT
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‎Opay in Nigeria uses a NIBSS sort code (also called bank code) for domestic transfers. The widely used code is 999992, which identifies Paycom/Opay for interbank transfers within Nigeria via the NIBSS system .
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‎This allows:
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‎Transfers from any Nigerian bank to your Opay wallet
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‎Deposits into Opay via mobile app or USSD
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‎How To Receive Funds From Abroad
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‎Since Opay doesn’t support direct SWIFT transfers within Nigeria, you can still receive international funds using these alternatives:
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‎1. International Money Transfer Services
‎Send money via platforms like WorldRemit or MoneyGram, selecting the recipient as an Opay wallet. The sender sends in foreign currency; you receive naira directly into your Opay wallet.
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‎2. Send to a Nigerian Bank First
‎If you have a traditional Nigerian bank account linked to Opay, you can receive money there via SWIFT using the bank’s SWIFT code. Then transfer funds into your Opay wallet.
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‎3. Virtual USD Card (if available)
‎Opay may offer a dollar-denominated virtual card that can receive foreign currency funding. However, this is still not linked to a SWIFT code and often works through third-party partners.
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‎Summary Table
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‎Detail Status / Code
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‎SWIFT / BIC Code ❌ No SWIFT code for Opay Nigeria
‎UK Branch SWIFT Code OPAHGB22 or OPAHGB22XXX (possibly inactive)
‎NIBSS / Sort Code in Nigeria ✅ 999992 (for domestic transfers)
‎How to receive NGN from abroad IMT services (WorldRemit, etc.) or via Nigerian bank
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‎To recap: Opay does not have a SWIFT code in Nigeria. If someone claims otherwise, be cautious—it could be outdated or invalid. Instead, rely on international money transfer services or route funds through a Nigerian bank. And for domestic payments, always use the 999992 sort code to fund your Opay wallet safely.
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‎You can find more information on using Opay for local transfers, POS setup, and loans by exploring their official guides like how to use the USSD transfer codes or setting up your Opay account.
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