If you’re one of those people who prefers simplicity, security, and speed, then you’re in the right place! This article is your go-to guide to all OPay USSD codes, with everything you need to know to get started—and to make the most of OPay’s services. Whether you’re transferring funds, paying bills, or recharging your phone, OPay’s USSD codes have got you covered.
2025 Updated List of OPay USSD Codes
OPay USSD codes are a game-changer. They allow you to carry out multiple transactions right from your mobile device. Here’s a detailed list of essential OPay USSD codes
| Function | USSD Code | Description |
|---|---|---|
| Check Balance | *955*0# | Check your OPay balance |
| Get OTP | *955*010# | Receive One-Time Password for security |
| Transfer to OPay Account | *955*1*Amount*AccountNumber# | Send money to another OPay user |
| Transfer to Bank Account | *955*2*Amount*AccountNumber# | Transfer money to a bank account |
| Airtime (Self) | *955*3*Amount# | Buy airtime for your number |
| Airtime (Others) | *955*3*Amount*PhoneNumber# | Buy airtime for someone else |
| Data Purchase | *955*4*PhoneNumber# | Buy data for yourself or someone else |
| Electricity Bill | *955*6# | Pay your electricity bill |
| Betting | *955*5# | Participate in betting |
| OPay Card Activation | *955*03121# | Activate your OPay card |
How to Activate OPay USSD Code
Getting started with OPay USSD service is quick and easy. Follow these simple steps to activate your OPay USSD code:
- Set Up a PIN: You’ll be prompted to set a 4-digit PIN, which will authorize your transactions.
- Register with OPay: Download the OPay app or visit an OPay agent to sign up.
- Link Your Phone Number: Ensure your phone number is connected to your OPay account.
- Dial *955#: Follow the prompts on your phone screen to register your device for USSD banking.
READ MORE: See Who Really Owns OPay
How to Use OPay USSD Codes: Step-by-Step Guide
OPay USSD codes provide users with a quick and easy way to perform financial transactions without needing a stable internet connection. Whether you’re checking your balance, transferring funds, or paying bills, OPay’s USSD codes are designed for simplicity and efficiency. Here’s a detailed breakdown of how to use each OPay USSD code to its full potential.
1. OPay USSD Code to Check Your Balance
The OPay USSD code for checking your balance is simple and efficient. Here’s how to use it:
- Dial
*955*0#from your mobile phone. - You will be prompted to enter your PIN for security purposes.
- After entering your PIN, you’ll receive a text message with your current balance within seconds.
Why Use It?
Checking your balance via USSD is an excellent way to stay on top of your finances without needing to log into the app or worry about network issues. It’s especially useful when you’re in areas with poor internet connectivity or when you don’t have access to your smartphone.
2. OPay USSD Codes to Send Money (OPay to OPay & Bank Transfers)
OPay allows you to send money both to other OPay users and to bank accounts. Below are the details for each type of transfer:
OPay to OPay Transfer
- Dial
*955*1*Amount*AccountNumber#- Replace Amount with the amount you want to send.
- Replace AccountNumber with the recipient’s OPay account phone number.
- For example, to send N500 to a friend whose OPay account is linked to the phone number 08012345678, you would dial
*955*1*500*08012345678#. - After dialing, enter your PIN to authenticate the transaction.
- You will receive a confirmation message once the transfer is successful.
Why Use It?
This is perfect for transferring money to friends, family, or businesses that use OPay. It’s fast, convenient, and doesn’t require internet access. Plus, there’s no need for long account numbers or bank codes—just the recipient’s phone number.
OPay to Bank Transfer
- Dial
*955*2*Amount*AccountNumber#- Replace Amount with the amount you wish to transfer.
- Replace AccountNumber with the recipient’s bank account number.
- You will be prompted to select the bank from a list of supported Nigerian banks.
- After selecting the bank, enter the recipient’s bank account number and your PIN to complete the transfer.
- You will receive a transaction confirmation via SMS.
Why Use It?
Transferring money to a bank account via USSD is perfect for those who need to send funds to individuals or businesses that don’t use OPay. It eliminates the need to log into an app or visit a bank, making it a great tool for urgent transfers.
READ ALSO: Here is The Complete List of OPay Offices Across Nigeria
3. OPay USSD Codes to Buy Airtime and Data
OPay’s USSD codes make it easy to buy airtime and data for yourself or others, all without needing an internet connection. Here’s how to use each code:
For Yourself (Airtime & Data)
- Airtime: Dial
*955*3*Amount#- Replace Amount with the airtime value you want to buy. For example, to buy N100 airtime, dial
*955*3*100#.
- Replace Amount with the airtime value you want to buy. For example, to buy N100 airtime, dial
- Data: Dial
*955*4*PhoneNumber#- Replace PhoneNumber with the mobile number you wish to buy data for. After dialing, you’ll receive a list of available data plans to choose from.
Why Use It?
Buying airtime or data for yourself via USSD is the quickest way to ensure your phone is always topped up. You don’t need an internet connection, so it’s perfect for rural areas, during network downtimes, or when you don’t have access to the OPay app.
For Others (Airtime & Data)
- Airtime: Dial
*955*3*Amount*PhoneNumber#- Replace Amount with the airtime value and PhoneNumber with the recipient’s number. For example, to buy N100 airtime for 08012345678, dial
*955*3*100*08012345678#.
- Replace Amount with the airtime value and PhoneNumber with the recipient’s number. For example, to buy N100 airtime for 08012345678, dial
- Data: Dial
*955*4*PhoneNumber#- Replace PhoneNumber with the recipient’s number. A list of available data plans will appear for selection.
Why Use It?
This feature is perfect for buying airtime or data for friends, family, or colleagues. It’s a great way to send a quick gift or ensure that someone else stays connected. Plus, the process is simple and can be completed in seconds, no app required!
4. OPay USSD Codes for Bill Payments (Electricity)
Paying utility bills through OPay has never been easier. With OPay’s electricity bill payment feature, you can settle your electricity bill quickly, even without internet access.
- Dial
*955*6#to access the electricity bill payment feature. - You’ll be prompted to select your electricity distribution company (for example, Eko Electricity, Ikeja Electricity, etc.).
- After selecting the right company, you will be asked to enter your account number (usually found on your bill statement).
- Enter the amount you wish to pay and authenticate with your PIN.
- Once the transaction is completed, you will receive a confirmation message.
Why Use It?
This feature allows you to pay your electricity bills without the hassle of visiting a bank or payment center. It’s especially useful when you have a busy schedule or when you’re unable to access the internet. Plus, it’s a fast and secure way to handle one of your regular utility bills.
5. Getting One-Time Password (OTP)
- USSD Code:
*955*010# - How to Use: Dial the USSD code to receive a One-Time Password (OTP).
- What It Does: This code sends an OTP to your phone, which you can use to authenticate transactions or confirm your identity for certain OPay activities.
Why Use It?
An OTP enhances the security of your account. It ensures that only you can complete transactions by confirming your identity. It’s an essential step for securing high-value transfers or any sensitive financial action.
6. OPay USSD Codes for Betting
- USSD Code:
*955*5# - How to Use: Dial the code to access the betting platform.
- What It Does: This code enables you to participate in betting directly via OPay. You can place bets without needing an app or internet connection.
Why Use It?
For those who enjoy betting, this is a great feature to try. It simplifies the process by allowing you to place your bets using just your phone and without worrying about internet connectivity.
7. OPay USSD Codes for Activating Your OPay Card
- USSD Code:
*955*03121# - How to Use: Dial the code to activate your OPay card.
- What It Does: This USSD code activates your OPay physical or virtual card, enabling you to use it for purchases and withdrawals.
Why Use It?
Activating your OPay card using USSD ensures you can start using it immediately for online and offline transactions, making it a versatile tool for your daily financial activities.
Hidden Features and Hacks for OPay USSD Codes
OPay is packed with hidden gems that make it stand out from other fintech apps. Here are some extra tips for power users:
- Set Up Auto-Transfers: You can schedule regular transfers directly using USSD codes.
- Quick Recharge: Skip the menu and dial
*955*3*Amount#to buy airtime instantly. - Block Your Account: Dial
*955*9#to block your account if your phone is lost or stolen.
OPay vs Bank USSD Codes: A Quick Comparison
| Feature | OPay USSD | Bank USSD (e.g., GTBank, Access) |
|---|---|---|
| Check Balance | *955*0# | *737*6# |
| Transfer Funds | *955*1*Amount*# | *737*Amount*Account# |
| Buy Airtime | *955*3*Amount# | *737*Amount# |
Why OPay’s USSD Codes are Better:
- Simplicity: Fewer steps to complete transactions.
- No Internet: Works without mobile data or Wi-Fi.
- Faster: Perform all operations in under a minute.
Troubleshooting Tips for OPay USSD Code Issues
While OPay’s USSD codes are generally reliable, you may occasionally run into problems. Here’s how to troubleshoot:
- Wrong SIM Card: Ensure your OPay account is linked to the correct SIM.
- Account Blocked: Call OPay support or use the blocking code
*955*9#. - No Response: Try restarting your phone or checking for network issues.
What Is OPay?
For those who may not know, OPay is a one-stop financial service platform that enables Nigerians to send money, pay bills, purchase airtime and data, save, borrow, and even manage POS services for agents. Launched in 2018, OPay has quickly become one of Nigeria’s most trusted financial platforms, with millions of active users and an ever-growing network of agents and merchants.
Whether you’re a first-time user or a seasoned OPay veteran, the platform is designed to make banking accessible to all, even those without internet access.
Why You Should Care About OPay USSD Codes
You might be wondering: Why use USSD codes in a world where mobile apps and high-speed internet are the norm?
Well, that’s the beauty of OPay. In Nigeria, network issues, poor mobile data coverage, and even lack of smartphones can make using mobile banking apps tricky. OPay’s USSD codes allow you to perform transactions seamlessly, even without the internet! Whether you’re on a rural farm or stuck in traffic, OPay’s *955# works like a charm, putting financial services in your hands.
FAQs: OPay USSD Codes Explained
1. What is OPay USSD Code?
OPay USSD codes are special shortcodes used to access a variety of OPay services directly from your phone, without requiring an internet connection. These codes allow users to perform transactions like checking balances, transferring money, purchasing airtime, paying bills, and more, all via the mobile network. They are convenient for users with limited or no internet access.
2. How Do I Use OPay USSD Codes?
Using OPay USSD codes is simple. To perform any transaction, dial the appropriate USSD code followed by specific information required for the transaction, such as amounts, phone numbers, or account details. For example, to check your balance, you would dial *955*0#. After entering the code, you’ll be prompted to enter your PIN to confirm the action (if needed). Once done, you’ll receive a confirmation message.
3. How Can I Check My OPay Balance Using USSD?
To check your OPay balance via USSD, dial *955*0# and enter your PIN when prompted. After that, you will instantly receive a text message with your current balance. This feature is useful when you’re in an area without internet connectivity and need to check your balance quickly.
4. How Can I Send Money to Another OPay User Using USSD?
To send money to another OPay user, dial the USSD code *955*1*Amount*AccountNumber#. Replace “Amount” with the money you want to send, and “AccountNumber” with the recipient’s OPay phone number. You’ll be prompted to confirm the transaction by entering your PIN.
For example, if you want to send ₦1000 to a user with the phone number 08012345678, you would dial:*955*1*1000*08012345678#
5. Can I Transfer Money to Bank Accounts Using OPay USSD?
Yes, you can transfer money to a bank account using OPay’s USSD service. To do so, dial *955*2*Amount*AccountNumber#. Replace “Amount” with the desired amount and “AccountNumber” with the recipient’s bank account number. You’ll be asked to select the bank from a list of supported banks and confirm the transaction by entering your PIN.
For example, to send ₦2000 to an account with number 1234567890, you would dial:*955*2*2000*1234567890#
6. How Do I Buy Airtime for Myself or Someone Else Using OPay USSD?
To buy airtime for yourself, dial *955*3*Amount# and replace “Amount” with the value of airtime you want to buy. For instance, to buy ₦500 airtime for yourself, dial *955*3*500#.
If you want to buy airtime for someone else, dial *955*3*Amount*PhoneNumber# and replace “Amount” with the airtime value and “PhoneNumber” with the recipient’s phone number. For example, to send ₦200 airtime to the phone number 08098765432, you would dial:*955*3*200*08098765432#
7. How Do I Buy Data for Myself or Others Using OPay USSD?
To buy data for yourself, dial *955*4*PhoneNumber# and replace “PhoneNumber” with your phone number. You’ll be presented with data bundles to choose from, and you can select the one that best suits your needs.
To buy data for someone else, dial *955*4*PhoneNumber#, replacing “PhoneNumber” with the recipient’s number. For example, to buy data for the number 08012345678, you would dial:*955*4*08012345678#
8. How Can I Pay My Electricity Bill Using OPay USSD?
To pay your electricity bill through OPay USSD, dial *955*6#. You will be asked to select your electricity service provider and enter your account number. Once you enter the details, you can proceed to make the payment directly from your OPay balance.
This service is fast and helps you avoid the hassle of going to physical payment locations.
9. What is OPay’s Betting Feature?
OPay provides a betting service through the USSD code *955*5#. Dialing this code allows you to participate in betting activities directly from your OPay wallet. No internet is required, and you can place bets using just your phone. This feature can be used to engage in various betting services offered via OPay.
10. How Do I Activate My OPay Card Using USSD?
To activate your OPay card, dial the USSD code *955*03121#. After dialing this code, follow the prompts to confirm activation. Once activated, you can start using your OPay card for transactions, both online and offline.
11. Can I Use OPay USSD Codes Without Internet?
Yes, the main advantage of using OPay USSD codes is that they do not require internet access. As long as you have a mobile network connection, you can perform most financial transactions, including checking balances, transferring money, and paying bills, using only USSD codes.
12. What Happens If I Enter an Incorrect PIN?
If you enter an incorrect PIN, your transaction will not be processed, and you will be prompted to try again. After a few failed attempts, your account may be temporarily locked for security purposes. To unlock it, you may need to follow the steps provided by OPay’s customer support.
13. Are There Transaction Limits on OPay USSD?
Yes, OPay imposes certain limits on transactions performed via USSD codes. The limits may vary depending on your account type and the transaction you’re performing. For example, there may be daily or per-transaction limits for sending money or buying airtime. Check with OPay customer service for specific limits that apply to your account.
14. Is OPay USSD Secure?
Yes, OPay USSD codes are secure. Every transaction requires you to enter your PIN for authentication. Additionally, OPay uses advanced encryption methods to protect your personal and financial data. However, it’s important to keep your PIN confidential and not share it with anyone to ensure your account remains secure.
15. What Do I Do If I Forget My OPay PIN?
If you forget your OPay PIN, you can reset it by following the instructions provided in the OPay app or by contacting OPay customer support. The support team will guide you through the steps to reset your PIN securely.
Conclusion: Simplify Your Life with OPay USSD Codes
OPay’s USSD codes make managing your finances quicker, easier, and more reliable—especially in an era where apps and internet access aren’t always available. Whether you’re buying airtime, transferring money, or paying bills, OPay’s *955# is your go-to solution. Try it today and see how it transforms your financial life!
