Opt is a New Zealand focused personal payment system that helps you manage your money in real time from wherever you happen to be, at any time of the day or night.

You could use Opt to; Text a friend some money - Pay bills - Send some money for
a gift - Shop online or buy nice things wherever you see the Opt Keyhole logo, you
can simply use your phone instead of a plastic card.

And Opt is very fast, simple and safe to use.

Transfer money to a family member so that they can have the money there and then, no waiting.

Pay for school fees in full, or the portion that you can afford or is required at the time by simply texting
an amount to the school's OPT ID.

Opt payments cost less than mailing a cheque and are certainly cheaper than going in the car or by
bus to pay a bill with cash.

If you have been paid some money you will receive your money very quickly.

Login to your account at any time via this website to check your account balances, or you can text the
command 'bal' to 4678(4opt) for your account balance.   View more text commands and functions.

Opt is there when and where you need us!
"We never close"