OPay Sort Code: Complete 2026 Guide to Understanding OPay’s Bank Identifier in Nigeria

OPay Sort Code

Discover the OPay sort code used for domestic transfers in Nigeria, how it works, where it’s needed, and how to use it for seamless inter-bank payments.

In today’s digital banking ecosystem, knowing your financial institution’s identifiers—like sort codes—is essential for smooth money transfers and financial management. If you’re searching for OPay sort code, this guide will walk you through everything you need to know in 2026, including what it is, how it’s used, why it matters, and how to use it for inter-bank transfers in Nigeria.

Whether you’re receiving salaries, setting up direct deposits, or linking OPay with other financial apps, understanding how OPay’s sort code works will help you avoid transfer errors and make your fintech experience more seamless.

What Is a Sort Code in Nigeria?

In Nigeria, a sort code (sometimes referred to as a bank code or NIBSS code) is a numeric identifier assigned to banks and financial institutions. It helps routing and processing of transfers between different banks during electronic fund movements.

For traditional banks, this sort code identifies not just the bank but sometimes the specific branch of the bank in the Nigerian Inter-Bank Settlement System (NIBSS).

In digital finance, understanding OPay’s sort code is key when conducting inter-bank transfers or linking your wallet to other services for direct payment or receipt of funds.

What OPay Actually Is

OPay Digital Services Limited (commonly called OPay) is a Nigerian fintech company headquartered in Ikeja, Lagos. It was licensed by the Central Bank of Nigeria (CBN) as a mobile money operator (MMO) and offers services including mobile banking, transfers, bills payments, savings, and merchant solutions.

Although OPay behaves like a bank in many transactions, it is not a traditional commercial bank and thus has some differences compared to legacy banks—especially regarding international codes like SWIFT or IBAN.

Does OPay Have a Sort Code?

The short answer is: Yes — OPay has a sort code, but it’s a NIBSS code used for domestic banking transactions in Nigeria.

Unlike traditional banks, which generally publish six-digit sort codes for specific branches, OPay’s sort code functions more like a unified identifier for the entire institution. This code is used primarily for inter-bank transfers within Nigeria, especially when you want to send money from a different bank into your OPay wallet/account.

OPay Sort Code in 2026

As of the latest updates, the recognized OPay sort code (or NIBSS bank code) used in inter-bank transfers within Nigeria is:

999992

The sort code is crucial when:

• Receiving money from other Nigerian banks
• Setting up payment links to receive salary or business deposits
• Linking your OPay account to e-commerce and billing platforms

Note: Some earlier online sources have confused different internal identifiers, but the NIBSS code 999992 is widely used as OPay’s bank identifier for domestic inter-bank transfers.

Sort Code vs Other Banking Codes

Understanding OPay’s sort code is simpler when you compare it to other financial codes:

Code Type	Meaning	Applies to OPay?
Sort Code / NIBSS Code	Nigerian banking system identifier for transfers	✅ Yes — 999992
SWIFT / BIC Code	International fund transfer identifier	❌ No (OPay doesn’t have this for Nigeria)
IBAN	International account identifier (used in Europe)	❌ No
Routing Number	U.S. banking transfer code	❌ No

Because OPay operates primarily within Nigeria’s financial ecosystem, the sort code is the most relevant banking identifier for Nigerian users.

Why OPay Doesn’t Have a SWIFT or International Sort Code

Unlike commercial banks such as GTBank, Access, or Zenith Bank, which have SWIFT or BIC codes for global transfers, OPay doesn’t support international wire transfers directly. This is because it is licensed as a mobile money operator (MMO) rather than a full-service international bank.

As a result:

• You cannot receive international wire transfers directly into OPay using SWIFT.
• If you need to receive foreign currency, you can send it through services such as WorldRemit, MoneyGram, or similar partners, and then transfer to your OPay wallet.
• Alternatively, receive the money into a traditional Nigerian bank first, then move it to OPay.

This also means that OPay’s sort code is only relevant for domestic Nigerian transactions where you’re moving naira between banks.

How to Use Your OPay Sort Code

Here’s how the OPay sort code fits into common financial processes in Nigeria:

1. Receiving Money from Other Banks

If someone wants to send you naira from a traditional bank like GTBank, First Bank, or UBA:

1. Provide your OPay account number and sort code (999992).
2. The sender initiates a bank transfer using their own bank’s app or USSD.
3. Once the transfer is processed, the funds land in your OPay wallet.

This makes it possible to integrate OPay with wider banking utilities such as payroll systems or e-commerce settlements.

2. Setting Up Salary or Business Payments

If an employer or business needs to set up direct payments into your OPay wallet:

• They may require both your OPay account number and the OPay sort code (999992).
• Ensuring these details are correct prevents misdirected payments.

This is particularly useful for freelancers and gig workers who prefer to get paid directly into their digital finance wallets.

3. Linking with Payment Gateways

When you integrate fintech solutions into e-commerce or business platforms:

• The sort code helps the payment gateway identify OPay as the recipient financial institution.
• This facilitates automated settlement of funds without manual intervention.

Things to Know Before Using Your OPay Sort Code

OPay Is Not a Full Bank with Branch Codes

Unlike traditional banks that use varied sort codes per branch, OPay’s code applies to the entire platform as a unified identifier.

This means:

• You don’t select a branch sort code.
• The same code (999992) applies to all OPay accounts.

Always Confirm Before Big Transfers

When receiving significant amounts (e.g., salary or business payouts),

• Double-check your account number and sort code
• Confirm with OPay’s official support if unsure

Incorrect codes can delay or reroute funds.

How to Find Your OPay Account Details

If you’re unsure how to find your details:

1. Open the OPay app on your phone.
2. Go to your profile or account settings section.
3. Locate your full account number and any banking identifiers.

If you don’t see the sort code explicitly, note that it’s the same (999992) for all Nigerian OPay accounts. You can also reach out to OPay support or their official website for clarification.

Security & Best Practices

Always ensure you:

• Only share your account number and sort code with trusted parties.
• Avoid posting financial details on public forums.
• Update your app to the latest version to access secure transaction flows.

For additional protection, OPay may request identity verification (such as BVN and NIN) to increase transaction limits and account functionality.

Need to receive money into your OPay wallet?
Start by confirming your sort code (999992) with your sender or payroll provider today—and set up your digital finance for easy, seamless Nigerian bank transfers.

Conclusion

While OPay doesn’t operate like a traditional commercial bank with SWIFT or branching identifiers, it still uses a sort code (999992) for domestic inter-bank transfers within Nigeria’s banking system. This sort code is essential for routing your payments correctly when transferring funds from other Nigerian banks.

With the OPay sort code in hand, you’ll be ready to:

• Receive funds accurately
• Link your wallet to payment systems
• Set up payroll and business invoice settlements

Always verify your account details and use official OPay channels when performing financial activities to ensure security and accuracy.

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