Many OPAY users in Nigeria have compromised their accounts in one way or another. Some might have borrowed loan and refuse to repay. Meanwhile, due to the fact that OPAY is one of the most popular and most used money money operator (MMO) service in the country, it’s nearly impossible to do without it. So, users who have compromised their accounts are looking for another way to create a second OPAY account.
This is how the question “Can I have two OPAY accounts” came in. In this article, I’m going to explain how you can easily create two OPay account with one BVN and NIN and with one name and other documents used in the previous account.
However, it’s also important to understand that while having two or more OPay accounts come with some manageable consequences, more than two accounts using one details is not possible.
Can I have two OPay Accounts?
Yes, you can have two OPay accounts even with one details. In fact, you can have them on a single device. To login, all you need to do switch between the two accounts and you are good to go.
However, it’s important to know while creating another OPAY account in Nigeria, you must not use the same phone number and email address as the previous ones. A new phone number and a new email address must be used to create another account if you’re using the same Name, BVN and NIN.
Another amazing things you need to note is that you can upgrade the two OPay accounts created with the same information such as BVN and NIN to tier 3 and use them for transactions and payments. You can also request debit card for each but your phones, which is also account numbers, will be different.
Infact, you can now change opay phone number if the linked number is lost or stolen. Meanwhile, once your phone number is changed, you account number will be changed as well. This article explains how you can easily change the phone number on your OPay account.
Having Multiple OPAY Accounts
If you want to have two OPay accounts, follow these steps:
- Download OPAY Mobile App on your phone or Logout your old account.
- Open the app and click “Register New Account”.
- Use different phone number while creating another account.
- Enter your names, confirm your BVN and input your NIN. All these details can be the same as old account.
- Once your account is created, your new phone number will be your OPay account number and you can add new email address to activate alerts and notifications on the account.
Note: Do not use the same phone number and email address to create multiple OPay accounts. But you can use the same BVN, NIN and Names to create two or more OPay accounts.
How to Switch Accounts on OPAY
Switching between multiple OPay accounts is a straightforward process that can be done with OPay App on a single device. Follow these steps to switch between two OPay accounts:
- Open the OPay app and click “Switch Account” at the button of the login page.
- Enter the OPay phone number of the account you want to sign in.
- Input the account password and click “Login”.
- Continue with the verification process that follows to login to the account successfully.
Once you are in, you can perform unlimited transactions without any restrictions or concerns of having another account.
Consequences of having more than two OPay Accounts
Having multiple OPay accounts is possible but come with consequences. First of all, do understand that two accounts is legalized by the central Bank of Nigeria (CBN) per individual in one financial institution. So, of you have more than two accounts, you will compromise everything.
Furthermore, if you create more than two accounts using one phone number and one email address, you will get suspended from using the financial service.
You can only create two OPay accounts using different numbers and emails but can have same names, BVN and NIN on the accounts to complete the KYC verification.
More so, it will be wise if you logout one account before logging into another one, as logging into multiple accounts on a single device using apps duplicators can trigger suspicious login attempts which can leads to suspensions for both accounts.
Furthermore, another consequence you will face when you are having more than two accounts under one BVN and NIN in the same bank is that you will not be able to access loan services on the other accounts, as lenders (like OKash and Easemoni) on OPay only allow one BVN per loan account.
If you try to obtain a loan, you will get a notification that your BVN has been used on another account. So, when you have multiple OPay accounts, you will only have access to loan services on one of the accounts and the rest won’t get support for quick credits.
Conclusion
Managing more than two OPAY accounts is possible under one Legal Names, Bank Verification Number (BVN) and National Identification Number (NIN). All you need to do is switching between to the account via app to use them.
However, it’s important to know that there are consequences for having more than two accounts. Consequences like inability to obtain a loan will apply to the other accounts. The account can also get suspended if you login at a time on a device using app duplicator to duplicate OPAY app.
In a nutshell, instead of having multiple accounts, just try to resolve any issues you are having on the main account to prevent your funds from future restrictions and limitations of OPAY. If your phone number is stolen or lost, you can now change phone number on OPay App.
