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Nagad vs OPay
Nagad and OPay are both payment receiving platforms. On a $1,000 payment you keep about $988.50 on Nagad and $995 on OPay, before withdrawal or currency-conversion costs.
Updated · from each platform’s published fees and payout terms · how we verify
Key differences
- On a $1,000 payment you keep about $988.50 on Nagad and $995 on OPay, before withdrawal or currency-conversion costs.
- Both pay out via Agent cash-out and Bank transfer. Only OPay offers card/ATM.
- Nagad is based in Bangladesh, OPay in Nigeria.
Which should you choose?
Choose OPay if…
- Keeping more of each payment matters most — its fee is lower.
- You want to withdraw via card/ATM.
Side by side
Nagad
A major Bangladeshi mobile financial service for receiving payments and cash-out.
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OPay
A Nigerian fintech where individuals and merchants receive payments and transfer money.
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|---|---|---|
| Type | Payment receiving like Payoneer | Payment receiving like Payoneer |
| Category | Payments | Payments |
| Vetted | No | No |
| Work from home | No | No |
| Fees | Cash-out ~1.15% via app | ~NGN 10 per transfer, ~0.5% agent withdrawal |
| Payout speed | At a Nagad agent, after you enter the amount and your PIN in the app or by dialing *167# | — |
| Withdraw via | Agent cash-out, bank transfer | Bank transfer, agent cash-out, card/ATM |
| Availability | Bangladesh | Nigeria |
| Local to | Bangladesh | Nigeria |
| Founded | 2018 | 2018 |
| Headquarters | Dhaka, Bangladesh | Lagos, Nigeria |
| Popularity | 45 views · 0 likes | 46 views · 0 likes |
Frequently asked questions
Which is cheaper, Nagad or OPay?
On a $1,000 payment you keep about $988.50 on Nagad and $995 on OPay, before withdrawal or currency-conversion costs.
Where are Nagad and OPay available?
Nagad: Bangladesh. OPay: Nigeria.