OPay
VS
Moniepoint

Metric

OPay

Moniepoint

Transfer Fee

Free (First 3/day)

₦10 Fixed

EMT Levy (₦50)

Applies over ₦10k

Uptime

99.9%

99.8%

Savings Interest

Up to 15% p.a

Best in Class

OPay is the undisputed king of street payments. Reliable even when network is bad.

Local Insight

"Don't let the shiny app fool you, check the USSD uptime."

Moniepoint is best for SMEs and shop owners who need a physical terminal backup.

Local Insight

"Better rates, but harder to find a physical branch when you need paper."

Avoid the
NRS Penalty.

Planning a major project or choosing a bank? Every naira you spend is affected by updated 2026 Tax Reforms. The ₦50 EMT Levy is watching.