The Opay USSD code has become a reliable option for many Nigerians who want fast, reliable, and offline access to banking services. In 2025, more people are switching to digital payment platforms like Opay because of their speed and convenience. Whether you want to transfer money, buy airtime, or pay bills, the *955# USSD code makes it possible even without internet access.
In this guide, we’ll cover everything you need to know about the Opay USSD code, how to use it for transfers, airtime, data, bills, and mobile banking, as well as common issues and solutions.
What is the Opay USSD Code?
The Opay USSD code is *955#. Dialing this code gives you access to Opay’s main menu, where you can carry out several transactions. The code was introduced to make Opay services more accessible, especially for users in areas with poor internet connectivity or those using basic feature phones.
Also read: Palmpay USSD Code for Transfer, Airtime & Mobile Banking | Full Guide
With the Opay USSD code, you can:
- Transfer money to Opay or other bank accounts.
- Buy airtime and data for yourself or others.
- Check your account balance.
- Pay electricity bills and fund betting wallets.
- Withdraw cash from Opay POS agents.
- Block a lost card and request an OTP.
Why the Opay USSD Code Matters in 2025
Digital banking adoption in Nigeria is growing, but internet coverage is still limited in some areas. The Opay USSD code bridges that gap by allowing users to complete transactions in seconds without internet.
Key benefits of using the Opay USSD code include:
- Offline access – works without internet on any phone.
- Speed – transactions are completed within seconds.
- Security – every transaction is protected with your unique PIN.
- Cost-effectiveness – no hidden charges for using the code (only a flat ₦10 fee for transfers).
For Nigerians living in rural areas or those who experience network downtime, *955# ensures uninterrupted access to financial services.
Complete List of Opay USSD Codes (2025)
Below is the updated list of Opay USSD codes for 2025. These codes let you perform specific transactions quickly:
| Transaction | Opay USSD Code |
|---|---|
| Check Balance | *955*0# |
| Get OTP (One-Time Password) | *955*010# |
| Transfer to Opay Account | *955*1*Amount*Opay Phone Number# |
| Transfer to Other Bank Account | *955*2*Amount*Account Number# |
| Airtime for Self | *955*3*Amount# |
| Airtime for Others | *955*3*Amount*Phone Number# |
| Buy Data | *955*4*Phone Number# |
| Electricity Bill Payment | *955*6# |
| Betting/Lotto Funding | *955*5# |
| Opay Card Activation | *955*03121# |
| Block a Lost Card | *955*132# |
| Reset Your PIN | Dial *955#, select “Forgot PIN” |
These codes work 24/7 on any network as long as you use the phone number linked to your Opay account.
Also read: Latest On UBA USSD Code, For Airtime, Transfers And Mobile Banking
How to Create an Opay Account with USSD Code
If you don’t have an account yet, you can open one directly with the Opay USSD code:
- Dial *955#.
- Select “Create Account.”
- Enter your first and last name.
- Set your preferred PIN (usually 4-digit).
- Confirm your PIN by re-entering it.
- Verify your account using the OTP sent to your phone.
Once your account is set up, your registered phone number becomes your Opay account number.
How to Transfer Money Using Opay USSD Code
Transferring money is one of the most common uses of the Opay USSD code. Here’s how to do it:
Transfer to Another Opay Account
- Dial *955*1*Amount*Recipient Phone Number#.
- Enter your PIN to authorize the transaction.
- You will receive a confirmation SMS.
Example: To send ₦5,000 to 8012345678, dial *955*1*5000*8012345678#.
Also read: Fidelity Bank Code for Transfers & Checking Account Balance | Full Guide
Transfer to a Bank Account
- Dial *955*2*Amount*Account Number#.
- Select the recipient’s bank from the list.
- Enter your PIN to confirm.
Example: To transfer ₦10,000 to a GTBank account, dial *955*2*10000*0123456789#.
Pro Tip: Always double-check the phone number or account number to avoid sending money to the wrong recipient.
How to Buy Airtime with Opay USSD Code
The Opay USSD code makes airtime purchase quick and easy.
Buy Airtime for Yourself
- Dial *955*3*Amount#.
- Enter your PIN to confirm.
Example: *955*3*1000# will recharge your number with ₦1,000 airtime.
Buy Airtime for Others
- Dial *955*3*Amount*Recipient Phone Number#.
- Enter your PIN.
Example: *955*3*500*08098765432# sends ₦500 airtime to the specified number.
There are no extra charges for airtime purchases.
Also read: Full List of Glo USSD Code for Transfer, Airtime, OTP & More
How to Buy Data Using Opay USSD Code
Buying data for yourself or someone else is also simple with the Opay USSD code:
- Dial *955*4*Phone Number#.
- Select the data bundle you want.
- Enter your PIN to complete the purchase.
This code supports major networks like MTN, Glo, and Airtel.
How to Check Balance with Opay USSD Code
To know your available balance, use this process:
- Dial *955*0#.
- Enter your PIN when prompted.
- Your balance will be displayed instantly.
Alternatively, dial *955#, navigate to the menu, select “Check Balance,” and enter your PIN.
How to Withdraw Cash Using Opay USSD Code
You can withdraw money from your Opay account through any Opay POS agent:
- Dial *955#.
- Select “Withdrawal.”
- Enter the agent’s phone number.
- Input the amount you want to withdraw.
- Enter your PIN to confirm.
The agent will give you the cash after confirmation.
Other Useful Features of the Opay USSD Code
- Electricity Bill Payment: Dial *955*6# to pay electricity bills.
- Betting Wallet Funding: Dial *955*5# and select your preferred betting platform.
- Card Services: Use *955*03121# to activate your Opay card or *955*132# to block a lost one.
- Get OTP: Dial *955*010# to receive a one-time password for verification.
Also read: How to Stop Auto Renewal on MTN 2025
Common Issues and Fixes When Using Opay USSD Code
While the Opay USSD code is reliable, you may face occasional issues. Here are common problems and solutions:
- Invalid PIN: Reset your PIN by dialing *955# and selecting “Forgot PIN.”
- Service Unavailable: Try again after a few minutes or move to an area with stronger network coverage.
- Wrong Number or Account: Always double-check details before confirming transactions.
- Code Not Working: Ensure you are dialing from the phone number linked to your Opay account.
If problems persist, contact Opay customer support via 0700 8888328 or on X (Twitter) @OPay_NG.
Safety Tips When Using Opay USSD Code
Security is critical when using USSD for transactions. Follow these tips:
- Never share your PIN with anyone, including people claiming to be Opay staff.
- Avoid using public Wi-Fi or allowing strangers access to your phone during transactions.
- Double-check numbers and amounts before confirming payments.
- Upgrade your KYC level to increase transfer limits securely.
Conclusion: Take Control of Your Money with Opay USSD Code
The Opay USSD code (*955#) is a powerful tool that puts financial control in your hands. It works on any phone, with or without internet, making it perfect for users in rural and urban areas alike.
From money transfers and airtime top-ups to bill payments and withdrawals, *955# covers all your daily financial needs. With over 10 million users in Nigeria, Opay continues to be one of the most reliable fintech platforms.
If you want convenience, speed, and security, start using the Opay USSD code today and manage your money like a pro.
Stay connected to this blog for more useful updates. Follow us on X (formerly Twitter) @Logic_sss for quicker access to the updates.
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References
- prestmit.io – Updated Opay USSD Codes 2025
- truehost.com.ng – Latest OPay USSD Codes in Nigeria: Your Guide to Fast, Easy Transactions
- dtunes.ng – OPay USSD Codes Updated (2025): Check Balance, Transfers, Airtime, and More
