Sell Bitcoin and get naira in your Opay account
Send BTC to your Monica wallet and the naira goes to your Opay account within 60 seconds of the network confirming. The flow is the same for every Nigerian bank on NIBSS.
BTC → Opay, Step by Step
The flow on Monica is the same for every bank: what differs is the timing on the bank side. Opay sits in the digital bank category, with typical clearing of 5 to 10 seconds for NIBSS instant transfers.
Monica convertsAt the live rate, the moment the network confirms0% feeOpay credits youOver NIBSS instant transferUnder 60 secondsHow a BTC to Opay Payout Works
Add your Opay account
Open Monica, go to Bank Accounts, choose Opay, enter your account number. Auto-verified in seconds.
Send BTC to Monica
From your external wallet, send BTC to your permanent Monica deposit address. Use the network shown beside the address.
Conversion runs automatically
Once the network confirms, naira credits to your Monica balance at the live rate. 0% conversion fee.
Withdraw to Opay
Tap Withdraw, choose your saved Opay account, type the amount. NIBSS typically clears in 5 to 10 seconds.
Common Opay Payout Issues and How Monica Handles Them
Monica auto-verifies the account name when you add an Opay account. If the name doesn't match, the system blocks the save, preventing payouts to wrong accounts before they happen.
If a NIBSS transfer takes longer than usual, the transfer is tracked on the rail itself. Worst case: the amount reverses to your Monica balance and you can try again.
If Opay restricts your account independently (PND, a KYC query, AML flag), the payout reverses cleanly to your Monica balance. You then withdraw to a different bank.
Failed bank transfers are reversed to your Monica balance automatically. No support tickets needed for the standard failure modes.
What Monica users say
Shown exactly as people wrote them on Google Play. Read on Google Play.
"I started using this app 4 months ago and ever since then I have not gotten any problem during transfers. once I withdraw or deposit it enters imediately. kudos!!!"
"the app is very easy and clear to navigate the deposit and withdrawal is stress free, it takes minutes for you to receive your withdrawal and it converts usdt straight to naira without passing through any stress or trading any stuff like p2p, I love the app"
"What I like most is the instant settlement wish is very good and instant but also optional. The only area that I think they need to work on is the limit setting which I think it should be increased for more instant withdrawal and settlement. Regards."
"They are good. All the way my experience had been positive without any glitches."
FAQ Withdrawing to Opay
How long does an Opay payout take from Monica?
Monica sends the naira within 60 seconds of the network confirming your deposit. On the bank side, Opay typically clears NIBSS instant transfers in 5 to 10 seconds.
Are there fees for withdrawing to Opay?
No. Monica charges a 0% bank withdrawal fee to every bank, including Opay. The amount you see on the withdrawal screen is the amount that lands in your Opay account.
What is the daily withdrawal limit to Opay?
Daily limits are shown in the app and rise with verification. Verified business accounts can request higher limits, which is common for traders moving large USDT volumes for supplier payments.
Can I withdraw BTC earnings to Opay on weekends?
Yes. Opay processes NIBSS instant transfers 24/7 including weekends and public holidays. Sunday night Monica withdrawals to Opay clear at the same speed as weekday withdrawals.
Does Monica work with both Opay personal and business accounts?
Yes. Both account types are supported. Business accounts at Opay can request higher daily limits via Monica support.
What if my Opay account is frozen?
That's an Opay matter, not a Monica one. If a withdrawal fails because your bank account is restricted, the naira returns to your Monica balance and you can withdraw to a different bank.
How do I add my Opay account to Monica?
Open the Monica app, go to Settings → Bank Accounts, tap Add Account, choose Opay from the list, enter your account number. The system auto-verifies your account name. Save and use for future withdrawals.
Is Opay a quick bank for Monica payouts?
Opay is a digital bank, and NIBSS instant transfers to it typically clear in 5 to 10 seconds. The Monica side is the same for every bank: the naira is sent within 60 seconds of the network confirming your deposit.
Can I receive naira in my Opay account when I sell crypto?
Yes. On Monica, Opay is simply the bank account that receives your naira. Your Bitcoin goes to your Monica address, Monica converts it once the network confirms, and the naira is paid into your Opay account by bank transfer within 60 seconds of the network confirming.
How do I move crypto from a wallet or exchange into my Opay account?
Crypto cannot go into Opay directly. Withdraw it from the wallet or exchange to your Monica address instead, choosing the right network. When the network confirms, Monica sells it for naira and sends the naira to your Opay account. The process is the same from any wallet or exchange.
Do I need to trade with another person to get naira into Opay?
No. A P2P trade means selling to another person and waiting for their payment. Monica is an off ramp, so there is no counterparty: you send Bitcoin to your Monica address, the network confirms, and Monica pays naira to your Opay account with 0% conversion fee.
What does it mean to liquidate crypto to Opay?
Liquidating crypto means selling it for naira you can spend. Liquidating to Opay means that naira is paid into your Opay account. On Monica you do this by sending Bitcoin to your Monica address; the flat $2 deposit fee on Bitcoin applies, with 0% conversion fee and 0% bank withdrawal fee.
Other Banks We Support
Monica works with every Nigerian bank on NIBSS: every commercial bank, every digital bank, every microfinance bank. Tap any bank below for its dedicated payout page.
Opay
Kuda
Moniepoint
Palmpay
GTBank
Access Bank
Zenith Bank
UBAFIFirst Bank
Stanbic IBTC
FCMB
Wema Bank (ALAT)
Sterling Bank
Polaris Bank
Union BankFIFidelity Bank
Ecobank
Keystone BankHEHeritage Bank
CarbonVBVBank
SparkleRURubiesEYEyowoMIMintyn
FairMoneyRERenmoneyBRBranchAEAellaUNUnity Bank
ProvidusGLGlobusTITitan TrustCOCoronation
Jaiz BankTATAJ BankSUSunTrustPRPremium TrustOPOptimusLOLotusAfter You Convert: Your Naira Works Right Here
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Set up Opay crypto payouts
Add your Opay account, deposit crypto, and the naira reaches Opay within 60 seconds of the network confirming.