To other OGPay wallets
FREE
Send money to other OGPay wallets for FREE.
Green means go.
OGPay is a mobile wallet with a Visa® debit card. Send money, spend it, and stop it when you say.
There are no set-up or monthly fees.
Send it.
Pick where the money goes. See the price before you send.
In the United States
$1.00 per transaction
A U.S. bank account
- PayPal or Venmo$1.50
- Any U.S. debit card$1.50
Send money to family and friends from your computer or the mobile app.
To another country
$2.00
In other countries
Mobile wallets in other countries
- Bank accounts in other countries$3.00
- Cash pick-up in other countries$4.00
Sending money to another country costs $4.00 or less.
Load it.
Four ways in. One wallet.
Load cash through a network of over 100,000 retail locations, or load money from a bank account, credit card or debit card. You can even request funds from other users.
Financial institutions
Load it from a bank account or a card.
- $1.00 per transactionLoad funds from any U.S. checking/savings account
- 5% of transactionLoad funds from a credit card (limit of $250 per individual load)
Other ways
Add cash at a store.
Over 100,000 locations
- Authorized retail locations
- Participating ATMs
Payroll
Get paid early.
2 days early
Have your payroll sent right to your debit card and get paid 2 days early.
Once you receive your debit card, we help you fill out the direct deposit form, and we even email it or print it for your employer.
Peer to peer
Ask for it.
FREE
Ask someone to pay you with Request Funds. It is FREE.
Keep it.
Money in your wallet earns.
3%
Earn 3% annual percentage yield (APY) on your wallet balance
Mobile Wallet Funds are not FDIC insured.
Keep it where you want it.
Your wallet and your debit cards each have their own balance.
- Mobile walletYour money stays here until you move it.
- Physical cardKeep only what you need for stores and ATMs.
- Virtual cardKeep it at $0 until you’re ready to use it.
Get your balance in real time on your virtual and physical debit cards.
Sort it.
Create custom sub accounts to manage your money. All balances on your sub accounts receive 3% APY.
Organize and manage your money your way. See the total of your sub accounts. Tap More to add one.
View your primary wallet balance, virtual debit card balance, physical debit card balance, gift card balances, and investment balances all in one place.
Mobile Wallet Funds are not FDIC insured.
Check it.
What you do, then what it costs.
Mobile Wallet to Mobile Wallet Transfers (Send & Receive)
FREE
| Transaction | Cost |
|---|---|
| Load funds from any U.S. checking/savings account | $1.00 per transaction |
| Transfer funds to any U.S. checking/savings account | $1.00 per transaction |
| Load funds from a credit card (limit of $250 per individual load) | 5% of transaction |
| Mobile Wallet to Mobile Wallet Transfers (Send & Receive) | FREE |
| Transfer funds to Virtual, Physical, Companion Debit Card | FREE |
| Request Funds / Micro Payments Merchant Processing | FREE |
There are no set-up or monthly fees.
Read the rest.
Load funds from any U.S. checking/savings account
$1.00 per transaction
Truth In Saving Disclosure
- Initial Deposit and Balance
- There is no initial deposit or minimum balance required to open this Account.
- Annual Percentage Yield ("APY")
- 3.00%
- ATM Fees (domestic or international)
- OGPay Transaction Fee $1.50 and ATM provider may charge a separate fee.
- Foreign Exchange Fee
- 3.00%
- Debit Card Shipping
- $6.99
- Additional Fee Disclosure
- You may be responsible for transaction fees for other services available within the Platform.
- US & International Pin Transaction
- $.50
APY is correct as of today's date, but is subject to change at any time.
Mobile Wallet Funds are not FDIC insured.
Spend it.
Your Visa® debit card, and cards for your family
Get a virtual card to shop online and a physical card for stores and ATMs.
All funds loaded to your OGPay debit cards are FDIC insured.
Mobile Wallet Funds are not FDIC insured.
Physical card
Stores and ATMs.
Debit Card Shipping
$6.99
ATM Fees (domestic or international)
US & International Pin Transaction
$.50
OGPay Transaction Fee $1.50 and ATM provider may charge a separate fee.
Moving money from your wallet to your own debit cards is FREE.
Move money back to your wallet at any time.
Virtual card
Online.
$0
Keep it at $0 until you’re ready to use it.
Companion cards
Add up to 3 companion cards for the people you care for.
They get their own card to buy things online, use at retail, or withdraw funds at ATMs.
Great for parents, kids, and seniors
Monitor their transaction activity and stay in control.
You can also suspend your debit card(s) in real time.
Tap it.
One task, start to finish. Send money to another OGPay wallet.
-
Open it.
Your Available Balance is the first thing you see.
-
Tap Send Money.
Choose where the money goes.
-
Pick who.
Choose another OGPay wallet.
-
Say how much.
Type the amount.
-
Go.
Press GO. Sending to another OGPay wallet is FREE.
-
Done.
The app shows you it went through.
The rest of the Dashboard.
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View your primary wallet balance, virtual debit card balance, physical debit card balance, gift card balances, and investment balances all in one place.
Organize and manage your money your way. See the total of your sub accounts. Tap More to add one.
-
Tap Load Money to add money to your wallet. Link an account in Linked Accounts to load from it.
Send money to the people you care for. Use Request Funds to ask for money. Sending to another OGPay wallet is FREE, and so is Request Funds.
Send money to family and friends in over 60 countries.
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Check your Pending Purchases. Use Scheduled Transactions to set up payments for later.
You have your own QR code. Use it to send and request funds.
Six tabs along the bottom. One tap each.
Manage your account settings, mobile wallet, debit card, portfolio (buy and sell stocks, gold and silver), make marketplace purchases, and manage OGPay Wireless.
Like all investments, there’s potential for gains and losses so take charge and decide your pace.
Not FDIC insured. Not a bank deposit. May lose value.
Stop it.
The switch is yours.
Suspend
Suspend your account with one click
You can also suspend your debit card(s) in real time.
Prove it is you.
- Confirm your identity with a PIN, fingerprint or iris/face scan.
- Make a 4-digit PIN. Add your own security question, so we know it is you when you call.
- The app uses end-to-end encryption.
- For nonpublic personal financial information, OGPay does not share information with affiliates for their everyday business purposes or marketing, and does not share with nonaffiliates for their own marketing, except as permitted by law or with your direction or consent.
Never give it away.
- Never put a password, PIN, account number or one-time code in an email.
- Never share your password, PIN or one-time code, and never let anyone control your phone.
- If you think someone used your account, call us right away.
- Lost your phone or card? Call us right away at 1 800 882 2314.
Keep the card empty.
Your virtual card can sit at $0 until you use it. Add what you need, buy it, and it is back at $0.
Your money stays in your wallet until you move it.
Add funds to the virtual card only when you want to buy something online.
Know what is insured.
All funds loaded to your OGPay debit cards are FDIC insured.
Mobile Wallet Funds are not FDIC insured.
Stop and ask a person.
Call, email or chat with us.
Questions? Call 1 800 882 2314
Our support team is here 24 hours a day, 7 days a week, 365 days a year.
You can also send a help ticket in the app.
LIVE CHAT
Tap LIVE CHAT and talk to a REAL customer service rep for help.
1700 POST OAK LANE 2 BLVD PL, 6TH FLOOR, HOUSTON, TEXAS
Ask it.
What is OGPay?
OGPay is a mobile wallet.
Your free OGPay mobile wallet comes with a virtual debit card, physical debit card, and up to 3 companion cards.
Is OGPay a bank?
Do I need a bank account?
No. You can add money from your pay, from a debit or credit card, or with cash at stores and ATMs that take part.
What does it cost?
There are no set-up or monthly fees.
Some ways to move money have a fee. For example, loading from a U.S. bank account costs $1.00 per transaction.
You can see the fees in the fee table.
Is my money FDIC insured?
All funds loaded to your OGPay debit cards are FDIC insured.
Mobile Wallet Funds are not FDIC insured.
What do I need to sign up?
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
We may also ask to see your driver's license or other identifying documents.
How do I send money to another country?
In the app, tap Move Money Globally.
Before you send, the app shows the exchange rate, the fee and how much will arrive.
Sending money to another country costs $4.00 or less.
How do I add money?
Load cash through a network of over 100,000 retail locations, or load money from a bank account, credit card or debit card. You can even request funds from other users.
What does my wallet balance earn?
Earn 3% annual percentage yield (APY) on your wallet balance
Mobile Wallet Funds are not FDIC insured.
What if I lose my phone or card?
Lost your phone or card? Call us right away at 1 800 882 2314.
If you think someone used your account, call us right away.
How do I reach a person?
Call, email or chat with us.
Our support team is here 24 hours a day, 7 days a week, 365 days a year.
1 800 882 2314
What can I do in the app?
Load, send and request funds, move money globally, and pay bills and invoices.
Use OGPay on your Apple device or Android device.
Can I buy and sell stocks?
Yes. You can buy and sell stocks in your wallet.
Like all investments, there’s potential for gains and losses so take charge and decide your pace.
Not FDIC insured. Not a bank deposit. May lose value.
Everything else.
Here is the rest of what your wallet does.
Like all investments, there’s potential for gains and losses so take charge and decide your pace.
Not FDIC insured. Not a bank deposit. May lose value.
Gold and silver
Buy it, move it, sell it.
Buy, move and sell gold and silver from your wallet.
All selling is completed in real time, so no more waiting hours or days to receive your money
Gift cards
Up to 5
Give one. Keep one.
Create up to 5 virtual gift cards for yourself, or send gift cards to others, and load them right from your mobile wallet. Creating an OGPay gift card is a third of the cost of buying one from a store.
- Make purchases online
- Get your balance in real time on all your virtual gift cards
- Move money back to your mobile wallet at any time
Stocks
Buy some. Sell some.
Buy and sell stocks in your wallet.
Like all investments, there’s potential for gains and losses so take charge and decide your pace.
Not FDIC insured. Not a bank deposit. May lose value.
Marketplace
Shop in one place.
Make everyday purchases in one online marketplace. No credit card or personal information is used to buy.
OGPay Wireless
Bring your phone.
Phone service in the United States. Bring your own device. Plans start at $15.00 per month.
Unlimited Talk & Text
- 2 GB$15per month
- 5 GB$25per month
- 15 GB$40per month
- 40 GB$55per month
Bills and invoices
Pay them here.
Load, send and request funds, move money globally, and pay bills and invoices.
Invite
Invite them.
Invite friends and family to join OGPay by text or email.
User Guide
Read how it works.
Start it.
Use OGPay on your Apple device or Android device.
Open your OGPay Wallet account
Four short steps. You can do it on your phone or on a computer.
Say who you are.
About you
Your country, your currency, your name and your mobile number. An email address is optional.
Pick a sign-in.
Sign-in details
A username and a password.
Set a PIN.
Security
A 4-digit PIN and a security question you choose.
Sign it.
Review and sign
Check your details, then sign with your finger, a stylus or your mouse.
