I like opay and in fact, it is the digital online banking I use the most. But there is something opay is doing which I don't like. I was owing mtn a sum of #1000 and I did a direct data of 1.5g for two days at #600 from my opay app to my mtn line. To my surprise, I got a message from mtn that my debit was remaining #400. Chai! I couldn't cry that day ooo. At least they ought to display it on their app that if you are owing a service provider and you subscribe on their app that it will be automatically converted to Airtime to settle debt.