Honestly, Opay app bank is the best. I can't remember when last I uae my ATM card to withdraw or buy paper card for Airtime. Anytime I need to recharge, I go straight to my Opay and recharge, even I but my data through Opay bank. The bank is easy to operate and deliver immediately.
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Me too, I can't remember the last time I used these.
I have a friend who is still analogue and goes about looking for paper card to buy and the funniest thing is, they still add a little fee to the supposed amount like 110naira for 100naira card. Meanwhile ,this is what we buy on a discounted price in opay app