Security

Protection you can see and control.

Security is built into every layer of OPM — and the most important controls sit right in your pocket.

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PHYSICAL CARD

Card frozen

Unfreeze it any time from the app.

Security

Your money's safe space

OPM protects your account around the clock with proactive, purpose-built defences — and puts the controls right in your hands.

End-to-end encryption

Your data and transactions are encrypted in transit and at rest.

Biometric & 2-step login

Face ID, fingerprint and one-time codes keep your account yours.

Real-time monitoring

Suspicious activity is flagged instantly, and you are notified right away.

Instant card controls

Lost your card? Freeze it in one tap and get a new one ordered in seconds.

You’re in control, always

The tools that keep your money safe are one tap away.

Freeze your card

Misplaced your card? Freeze it instantly, then unfreeze it if it turns up.

Set your own limits

Choose how much can be spent, and turn online, contactless or ATM use on and off.

See every payment

Instant notifications mean nothing happens on your account without you knowing.

Manage your devices

See which devices are logged in to your account and sign any of them out.

How to spot a scam

Fraudsters rely on pressure and trust. These are the warning signs.

  • Someone asks for a one-time code, your PIN or your password — OPM never will.
  • You’re told to move money to a “safe account”.
  • The message is urgent, threatening or too good to be true.
  • A link or web address looks slightly different from the real one.
Read: 5 habits for safer online payments

Something doesn’t look right?

Act fast — these three steps protect your money.

  1. 1

    Freeze your card

    Do it straight away in the app — it takes one tap and you can undo it later.

  2. 2

    Contact our team

    Tell us what happened through in-app support or our contact page. Mark it as “Security or fraud”.

  3. 3

    Change your passcode

    If you think someone knows your login details, change them and sign out other devices.

Contact our team

Questions, answered

No. OPM will never ask for your one-time codes, PIN, password or full card details — by phone, email, text or social media. Anyone who does is not OPM.

Your app is protected by your biometrics or passcode. Log in from another device or contact us, and we’ll help you secure your account and sign out the lost phone.

Freeze your card in the app, then contact our team with the details of the payment.

If you’re a security researcher, please report it responsibly through our contact page and choose “Security or fraud”.

Ready to put your money in motion?

Open your OPM account in minutes. No paperwork, no branch visits — just a smarter way to spend, send and save.

Open an accountTalk to our team
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