OPay
Use the phone number connected to your OPay account. Goodiebag checks the account identity before sending the transfer.
Supported banks
Goodiebag claims currently pay into OPay, PalmPay, and Moniepoint.
The claim flow is built around phone-linked fintech bank accounts. That keeps group cash drops fast, reduces account-number collection, and helps verify the destination before transfer.
Pass-through flow
No Goodiebag wallet balance or withdrawal queue.
No wallet
1
Sender pays with Paystack
2
Goodiebag creates link and PIN
3
Recipient claims with phone-linked bank
4
Payouts are processed through Paystack
OPay
supported
PalmPay
supported
Moniepoint
supported
Current coverage
The three banks recipients can use today
PalmPay
PalmPay recipients should enter the phone number registered on their PalmPay account so the payout lands in the right place.
Moniepoint
Moniepoint users can claim with the phone number tied to their Moniepoint account, subject to successful account resolution.
Supported banks may change based on payment partner availability, verification reliability, payout success rates, compliance requirements, or operational risk.
Why this focus
Phone-linked banks keep claims short
Goodiebag is for moments where many people may claim at once. The supported-bank decision is about speed, clarity, and fewer payout mistakes.
Less account-number friction
For the supported banks, the phone number can work as the account identifier. That removes the group-chat mess of collecting long account numbers.
Better fit for fast-claim drops
Cash drops work when claiming is quick. Phone-linked fintech accounts help keep the claim form short enough for live streams, status posts, and WhatsApp groups.
Cleaner identity checks
The recipient can see the account name returned for the phone-linked bank before money is sent. That gives one more chance to catch mistakes.
Save your bank for faster claims
If you create a Goodiebag account with email and link your phone number, you can save one regular bank account to your profile. On future claims, select it instead of re-entering phone-linked fintech bank details each time.
Before you claim
Use the same phone number your fintech bank knows.
Open the Goodiebag link from the sender.
Enter the PIN exactly as shared.
Choose OPay, PalmPay, or Moniepoint.
Enter the phone number linked to that account.
Confirm the resolved name before claiming.
Who this matters for
Phone-linked bank support is most important for these groups
Different people use Goodiebag differently. Here is how the supported bank decision affects each group.
Senders dropping cash gifts
Before you create a bag, confirm that your recipients use OPay, PalmPay, or Moniepoint. If they do not, they will not be able to claim. The minimum per recipient depends on the group size and split mode. Check the create page for the exact calculation.
Recipients claiming a share
You need a phone number linked to OPay, PalmPay, or Moniepoint. Enter that phone number during the claim and confirm the resolved account name before submitting. If the name does not look right, do not proceed.
Creators and community managers
If your audience primarily uses traditional banks (GTBank, Access, Zenith), Goodiebag may not be the right fit yet. Consider your community's banking profile before planning a cash drop.
What can go wrong
Avoid these common claim issues
Most payout problems come down to a few simple mistakes. Here is what to watch for.
Phone number does not match your fintech account
This is the most common issue. If your phone number differs from what is registered on your OPay, PalmPay, or Moniepoint account, the payout will fail. Use the exact number you registered with.
You select the wrong bank
Select your bank carefully. Choosing OPay when your account is on PalmPay will fail the account resolution step. The wrong selection means the transfer cannot proceed.
Bank account name does not match
Goodiebag checks the account name before transferring. If the name returned does not match your identity, do not proceed. Contact support if you believe there is an error.
Payouts above NGN 10,000 incur stamp duty
Statutory NGN 50 stamp duty applies to individual claim payouts of NGN 10,000 or more. This is deducted from the recipient's payout. See the fees page for details.
Fees pageRead the complete guide to OPay, PalmPay, and Moniepoint for a deeper look at what each offers and how they work with Goodiebag.
Bank support questions
Why are only OPay, PalmPay, and Moniepoint supported?+
Goodiebag is starting with phone-linked fintech banks because they make the claim flow faster and easier to verify. The product is intentionally narrow while pass-through transfers are being hardened.
Can I claim into GTBank, Access, Zenith, First Bank, or Kuda?+
Not yet. Other banks are not supported in the current claim flow. Use an OPay, PalmPay, or Moniepoint account linked to your phone number.
Can I claim into someone else's account?+
No. The claim should go to the supported bank account tied to the claimant's phone number. This protects both senders and recipients from messy payout disputes.
What if my phone number is not linked to any supported bank?+
You will need an OPay, PalmPay, or Moniepoint account linked to your phone number before you can receive a Goodiebag payout.
Will more banks be added?+
More coverage is possible later, but Goodiebag is not promising a date. The current priority is making the supported phone-linked bank flow reliable.
Can I save my bank account to skip entering details each time?+
Yes. Create a Goodiebag account with your email and link your phone number. You can then save one regular bank account to your profile. On future claims, you can select your saved bank account instead of entering phone-linked fintech bank details each time. Only one bank account may be saved at a time, and changing it requires a support-reviewed request.
Sending to a group with supported fintech accounts?
Create a Goodiebag, share the link and PIN, and let recipients claim into the accounts already tied to their phones.
Create a Goodiebag