How to Upgrade Opay KYC level 1

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How to Upgrade Opay KYC Level 1 – temmy.net

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The first question is “why would you want to upgrade your opay account kyc from level 1?”. The obvious reason to this would be the increase transaction limits based on your account level also know as account tier

Opay Account KYC Levels (Tiers)

Opay has four (4) transaction tiers that users can belong to: Tier 1, Tier 2, Tier 3, Tier 4. The lowest tier is tier 1 with a daily transaction limit of fifty thousand naira (₦50,000) and maximum account balance of three hundred thousand naira (₦300,000) while the highest account tier is Merchant account with daily transaction limit of five million naira(₦5,000,000).

Table showing Opay Level/Tier and it’s Attributes

Tier Daily Transaction Limit Maximum Account balance
Tier 1 ₦50,000 ₦300,000
Tier 2 ₦200,000 ₦500,000
Tier 3 ₦5,000,000 Unlimited
Merchant Account ₦5,000,000 Unlimited

Opay KYC Level 1 (Tier 1)

Level 1 is the first level you’re placed on as a user when you create an Opay account. This level has a lot of limitations though for example the daily transaction limit and even your account balance is limited to ₦50,000 and ₦300,000 respectively which is on the low side for transactions involved in business. 
So the question is, how do you upgrade opay kyc level 1? But first of all, I’d state the limitations and attributes of Opay Kyc level 1 and then I’d show you how to upgrade from level 1. 

Opay KYC Level 1 Limitations

As shown in the opay tier table above, Opay level One is limited by it’s daily transaction limit of fifty thousand naira and maximum account balance of three hundred thousand naira.

How to Upgrade Opay KYC Level 1

To upgrade Opay kyc level 1 to level 2, you need to provide the following information to Opay:
  1. Your full name
  2. Your Verifiable house address
  3. Your Bank Verification Number (BVN)
After providing this information on the app, it will be processed and you will be upgraded from level 1 to level 2. How do you provide the information? Follow the steps below to provide the information necessary to upgrade from level 1
  1. There’s a “Me” navigation menu at the right bottom corner of your screen. Click on it
  2. Under “Hi {Your Name}”, you’d see your tier badge together with “Upgrade to Tier 2”. Click on it. 
  3. Enter the necessary information together with your bank verification number (BVN)
  4. So long the information is correct, you account will automatically be upgraded.
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Opay KYC Level 2 (Tier 2)

While opay level 2 might be convenient for a lot of users, you might find the daily transaction limit or maximum account balance imposed on tier 2 users to low for you. What do you do in this case? You must then upgrade your opay account from level 2 to Level 3. 

Opay KYC Level 2 Limitations

The account limit on level 2 users is higher that the one for level 1 users. Level 2 users on Opay are limited to two hundred thousand naira (₦200,000) daily transactions and maximum account balance of five hundred thousand naira (₦500,000). 
If this limit is too small for you and you want unlimited balance limit, then read on.

Opay kyc level upgrade

How to Upgrade Opay KYC Level 2

First of all, you need the following information to upgrade from Level 2 to Level 3
  • Your verified house address
  • A proof of this house address e.g your utility bill (last 3 months)
  • A valid means of identification. this could either be your National ID Card, Driver’s license, International Passport or Voters card
  • Your passport photograph
After you’ve submitted this information on the Opay app, the upgrade to level 3 would not be done immediately. It could take up to 2 days to be upgraded. 


Hope this article was able to guide you on how you could upgrade your Opay account kyc from level 1 to level 2 and from level 2 to level 3. If you have any questions, kindly drop them in the comment section. Also let me know: what do you think about opay kyc processes? Is it smooth and does opay adhere to kyc regulations?

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