OPay fee calculator
See what you actually keep on OPay. Published fee: ~NGN 10 per transfer, ~0.5% agent withdrawal. Verified Sep 2026.
Estimates use each platform’s published fee; payment-processing costs and taxes are not included.
Worked examples on OPay
| Amount | Estimated fee | You keep (est.) |
|---|---|---|
| $100.00 | $0.50 | $99.50 |
| $500.00 | $2.50 | $497.50 |
| $1,000.00 | $5.00 | $995.00 |
| $5,000.00 | $25.00 | $4,975.00 |
Based on: ~NGN 10 per transfer, ~0.5% agent withdrawal. Ranges reflect tiered or category-dependent fees.
Compare with other payment receiving like Payoneer
All fees →| Platform | Published fee | |
|---|---|---|
| NayaPay | Free bank/wallet transfers | Calculator → |
| Payoneer | Withdrawals 1.2-4% ($1.50 USD to US), 0.5% conversion, $29.95/yr if under $6K | Calculator → |
| CIH Bank | Free Code30 account and card | Calculator → |
| Mercado Pago | Free P2P, ~0.5-6% merchant receiving fees | Calculator → |
| M-Pesa | Free deposits, tiered P2P and agent withdrawal fees | Calculator → |
| PayPay | Free P2P, bank withdrawal 100 JPY | Calculator → |
| SadaPay | Free basic account and transfers | Calculator → |
| PalmPay | Free/low in-app transfers, agent cash-out ~0.5% | Calculator → |
Frequently asked questions
How much does OPay take in fees?
OPay's published fee is: ~NGN 10 per transfer, ~0.5% agent withdrawal. Fees can vary by category, seller level, or country — always check the platform's current pricing page.
How much do I keep from $1,000 on OPay?
Based on the published fee, you would keep approximately $995.00 from a $1,000 sale or project on OPay — before payment-processing costs and taxes.
How does OPay pay out?
OPay pays via: Bank transfer, agent cash-out, card/ATM.
Is this calculator official?
No — it is an independent estimate by FreelanceSites.net based on OPay's published fee at the time we last verified it. Actual fees can differ by region, category, promotions, and payment method.