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Bank Fraud Help · Nigeria

OPay Fraud: How to Report It and Stop the Money

If money left your OPay account without your permission, or you paid a scammer, contact OPay straight away and ask it to block the payment and your card. The first minutes matter most.

Do this first

  1. Call OPay’s official line below, or use help inside the official OPay app. Never use a number from a text, a caller or a search result.
  2. Give them the transaction details (amount, time, and the account or number you paid) and ask them to block your card and stop or recall the payment.
  3. Change your online banking password and PIN if anyone may know them. OPay will never ask for your PIN, password or a one-time code.
  4. Report it to the police too: see who handles cybercrime in Nigeria, and keep screenshots of every message and payment.

Official OPay fraud contacts

OPay

Bank

App or online: In the OPay app: Customer Service, for 24/7 self-service on transfer and card disputes or live chat with an agent

Source: OPay official page

Know this about Nigeria

  • There is no central-bank or NIBSS code that freezes all your accounts. Ignore messages telling you to dial *7799#: each bank has its own code, listed under that bank.
  • Kuda has no public WhatsApp number and does not use WhatsApp for support.
  • UBA warns that fake versions of its Leo chat assistant circulate on WhatsApp.

If OPay won’t help

CBN Consumer Protection Department (CPD)

Complaints against a CBN-regulated bank or microfinance bank that the bank did not resolve.

Complain to your bank first and allow two weeks. Then email [email protected] or write to the Director, Consumer Protection Department, Central Bank of Nigeria, Central Business District, Abuja. Include your contact details, the bank's name, the transactions and amount, supporting documents and proof you complained to the bank. Never send your PIN or passwords.

Official website

Nigeria Police Force National Cybercrime Centre (NPF-NCCC) e-reporting portal

Report a cybercrime to the Nigeria Police online.

Register at https://nccc.npf.gov.ng/login (BVN or NIN check), file a report and attach evidence such as bank records and screenshots. You can track the report on your dashboard.

Official website

EFCC (Economic and Financial Crimes Commission)

Petition the EFCC about financial fraud.

Use the online petition form, email [email protected] or call +234 809 332 2644. Include your name, NIN, BVN, contact details and when the offence happened.

Official website

FCCPC (Federal Competition and Consumer Protection Commission): digital lender / loan-app abuse

Report unregistered or abusive loan apps, for example harassment, shaming or misuse of your data.

File at https://complaints.fccpc.gov.ng/ or email [email protected]. Check whether a lender is approved at https://fccpc.gov.ng/registration-of-digital-money-lenders/.

Official website

Your rights as a OPay customer in Nigeria

  • CBN complaint timelines (ATM Help Desk circular, revised 30 June 2014). Your bank must handle your complaint. If it is not resolved within 2 weeks (30 days for excess charges and loans), you can escalate to the CBN Consumer Protection Department. Source
  • DEON Consumer Lending Regulations 2025. In force since 21 July 2025: digital lenders must be registered with the FCCPC. Source

Report it to the police too

Cybercrime agencies in Nigeria lists who to report to, and our step-by-step guide covers the rest: How to Report Fraud in Nigeria (and Recover Your Money).

Common questions about OPay fraud

What is the OPay fraud helpline number?
OPay lists these numbers on its own website: Customer service: 0700 888 8328; Customer service: 0201 888 8328; WhatsApp: +234 916 599 8936. Always dial the number printed on your card or shown in the official app if you are unsure.
How do I report fraud to OPay?
Call OPay's official line, or report it in the app or online: In the OPay app: Customer Service, for 24/7 self-service on transfer and card disputes or live chat with an agent. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
What if OPay will not help or refund me?
In Nigeria you can complain to CBN Consumer Protection Department (CPD), Nigeria Police Force National Cybercrime Centre (NPF-NCCC) e-reporting portal, EFCC (Economic and Financial Crimes Commission) and others. Details of what each one handles are on this page.

Other providers in Nigeria

Access BankZenith BankGTBankFirst Bank of NigeriaUBAFidelity BankStanbic IBTC BankUnion Bank of NigeriaSterling BankWema BankEcobank NigeriaMoniepointKuda

These contacts were read on OPay’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Ministry of Cyber Affairs is not OPay and cannot recover money. All Nigeria providers are in Bank Fraud Help: Nigeria.