Aspire vs Opay.
Aspire (A70/100) and Opay (O58/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Aspire leads Opay 5-2.
| A Aspire №37 · MAS 70 /100 | O Opay №54 · CBN 58 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 58 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 0.30% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank MAS | E-money inst. CBN |
| Deposit guarantee Per depositor | €100,000 SG.SDIC | Safeguarded NG.NDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 8 countries | 5 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.3 ★ 1k reviews | 1.5 ★ 5k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.4 · And 4.5 |
| Read review → | Read review → | |
Pick Aspire if…
The APAC-first multi-currency business-account platform for SaaS startups and e-commerce sellers — SG-HQ MAS Major Payment Institution with native multi-currency accounts (USD/SGD/EUR/GBP/IDR + HKD/AUD/IDR/MYR) plus local-currency receiving in 30+ countries and local account issuance in 6 jurisdictions (SG, HK, US, UK, EU, AU). Built for APAC startups taking USD revenue who need a SGD operating account without the friction of running Mercury (US) + a SG-bank relationship side-by-side. Stripe + Shopify + Xero integration depth makes Aspire the structural fit for SaaS / e-commerce / fintech operators in the region. MAS-licensed Major Payment Institution status is the structural anchor.
Pick Opay if…
Largest Nigerian mobile-money + neobank hybrid by user count (~50M+). Saudi Aramco-affiliated investor backed. OBank subsidiary holds the bank licence; OPay wallet sits on top. Aggressive cross-EM expansion (Egypt, Pakistan announced). The Nigerian mobile-money rail leader.
- Best for fees Opay won 1 of 4
- Best for protection Aspire won 1 of 2
- Best for reach Tied
- Best for ux Aspire won 2 of 2
Aspire vs Opay — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Aspire better than Opay?
Under our v3 methodology, Aspire leads Opay 5–2 across 12 dimensions. Composite scores: Aspire 70/100 vs Opay 58/100. Aspire is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Aspire or Opay cheaper?
Monthly fee — Aspire: €0; Opay: €0. Card FX markup — Aspire: 0.30%; Opay: Interbank. Opay wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Aspire or Opay?
Aspire holds a Partner-bank licence under MAS; deposit guarantee per depositor: €100,000. Opay holds a E-money inst. licence under CBN; deposit guarantee per depositor: Safeguarded. Aspire is the stronger pick on regulatory protection.
Where can I use Aspire and Opay?
Aspire operates in 8 countries; Opay operates in 5 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.