Have you ever needed to send money fast but had no internet connection? Or maybe your smartphone battery died right when you needed to buy airtime or pay a bill. For millions of Nigerians, this is an everyday frustration. The solution? The Opay USSD code.
With a simple string of numbers — *955# — you can send money, transfer to banks, buy airtime, check balances, and pay bills. No data, no app, no stress. Just a mobile phone and your registered SIM line. It’s fast, secure, and available anywhere in Nigeria.
Today, I am breaking down everything you need to know about the Opay USSD code in Nigeria — from how to transfer money, to buying airtime, checking balance, daily limits, fees, and even fixing failed transactions. This guide will help you understand and use Opay’s USSD like a pro.
What is the Opay USSD Code in Nigeria?
The main Opay USSD code is *955#. It works on MTN, Airtel, and 9Mobile. In most cases, Glo lines may have restrictions. To use it, you must dial from the phone number linked to your Opay account. Once connected, you can transfer money, buy airtime, check your balance, and more.
Think of it as a shortcut: instead of logging into the Opay app, you simply dial *955# and follow the menu prompts. It’s especially valuable in rural areas, during network downtime, or for customers without smartphones.
How do I transfer money with Opay USSD?
To transfer money with Opay USSD, follow these steps:
- Dial *955# from your Opay-registered phone number.
- Select the option for Transfer.
- Choose whether to transfer to another Opay account or a bank account.
- Enter the recipient’s account number and the amount.
- Confirm details and enter your PIN.
- Wait for the confirmation message.
You can also use direct transfer codes:
- *955*1*Amount*OpayAccountNumber# – Transfer to another Opay account
- *955*2*Amount*BankAccountNumber# – Transfer to any Nigerian bank account
Example: Dial *955*2*5000*0123456789# to transfer ₦5,000 to a bank account. Then confirm with your PIN.
Can I send money to a bank account using Opay USSD?
Yes. One of the biggest benefits of Opay is that you can transfer money directly to bank accounts. This makes it easy to support family, pay suppliers, or send funds without needing an ATM. Just use *955*2* followed by the amount and bank account number, then confirm with your PIN.
How do I transfer money to another Opay account with USSD?
If the recipient also uses Opay, the process is even smoother:
- Dial *955*1*Amount*OpayAccountNumber#
- Confirm the name shown on screen
- Enter your 4-digit PIN
This transfer is usually instant and costs little to nothing, making Opay-to-Opay transactions one of the most affordable ways to send money in Nigeria.
Do I need internet to use Opay USSD?
No, Opay USSD requires no internet connection. It works on basic phones and smartphones alike. This makes it ideal for areas with poor connectivity or users without active data subscriptions.
How do I register for Opay USSD on my phone?
If you already have an Opay account, USSD is automatically enabled on your registered phone number. Simply dial *955# to start using it. If you’re new to Opay, you need to:
- Download the Opay app or register through an Opay agent.
- Provide your name, phone number, and verification details.
- Create your 4-digit transaction PIN.
- Once registered, your USSD service will be active on that SIM line.
What is the Opay USSD code for buying airtime?
With Opay USSD, you can buy airtime for yourself or others. The codes are:
- *955*3*Amount# – Buy airtime for yourself
- *955*3*Amount*PhoneNumber# – Buy airtime for another number
Example: Dial *955*3*500# to buy ₦500 airtime for your own number. Or *955*3*1000*08012345678# to recharge another line with ₦1,000.
How can I check my Opay account balance using USSD?
To check your Opay balance, dial *955*0#. You’ll instantly see your wallet balance on screen. This is free of charge and works anytime, day or night.
What is the Opay USSD code for buying data?
To buy mobile data bundles with Opay USSD, dial *955*4*PhoneNumber#. You can purchase data for yourself or another person. This makes it simple to top up without logging into the app.
Can I pay electricity bills with Opay USSD?
Yes. Opay supports a wide range of utility payments via USSD. To pay electricity bills, dial *955*6# and follow the prompts. This works for major distribution companies in Nigeria and saves time compared to visiting physical offices.
How do I generate an OTP with Opay USSD?
Sometimes you may need a One-Time Password (OTP) for security or app access. To generate an Opay OTP via USSD, dial *955*010#. A secure OTP will be sent to your registered phone number.
Which networks support the Opay USSD code?
The Opay USSD service works seamlessly on MTN, Airtel, and 9Mobile. While some customers report partial support on Glo, the service may not be consistent. For best results, it’s recommended to use MTN or Airtel since they offer more stable integration with Opay.
Does Glo work with Opay USSD?
Glo users sometimes face challenges with the *955# Opay code. In some areas it works, in others it doesn’t. If you use Glo and encounter issues, it’s best to link your Opay account with an MTN or Airtel number for uninterrupted access.
What is the transfer limit for Opay USSD transactions?
Opay applies limits depending on your account verification level:
- Tier 1 (Basic): Daily transfer limit around ₦50,000
- Tier 2 (Verified with ID): Up to ₦200,000 per day
- Tier 3 (Fully verified): Higher limits reaching ₦5,000,000 daily
To increase your daily limits, complete the KYC (Know Your Customer) process in the Opay app or with an agent.
Is there a service charge for using Opay USSD?
Accessing the *955# USSD menu is free. However, some transactions attract small service fees. For example, sending money to another Opay user is usually free, while transfers to bank accounts may incur a nominal charge (often around ₦10). Bill payments and airtime purchases are typically free of extra charges.
Can I use Opay USSD without the Opay app?
Yes. Once you register and create an Opay wallet, the USSD code works independently of the app. This is especially useful for users without smartphones or those who run out of mobile data.
How do I reset my Opay USSD PIN if I forget it?
Your transaction PIN is the key to secure payments. If you forget it, you must reset it via the Opay app or by contacting customer service. For security reasons, there is no direct USSD option to reset your PIN.
What should I do if my Opay USSD transfer fails?
Sometimes a USSD transaction may fail due to network issues or incorrect details. Here’s what to check:
- Ensure you’re dialing from your Opay-registered SIM.
- Confirm the recipient’s account number and bank details.
- Check that you have sufficient balance in your Opay wallet.
- Retry during better network connectivity.
If the problem persists, contact Opay customer support through the app, website, or official helplines.
How secure is the Opay USSD code for transactions?
Security is a top priority. The *955# Opay code requires you to enter your unique 4-digit PIN before completing any transaction. This ensures only you can authorize transfers or payments. Never share your PIN with anyone, and always confirm the recipient’s details before finalizing a transaction.
Can I use Opay USSD outside Nigeria?
No. The Opay USSD service works only within Nigeria and on Nigerian mobile networks. If you’re abroad, you’ll need the Opay app with internet access to manage your account.
FAQ: Quick Answers for Everyday Use
- Q: Can I buy airtime for another person?
A: Yes, use *955*3*Amount*PhoneNumber#. - Q: Can I pay utility bills without internet?
A: Yes, dial *955*6# for electricity and other services. - Q: Does USSD work on all phones?
A: Yes, even on basic feature phones. - Q: How do I generate OTP quickly?
A: Dial *955*010# and your OTP will be sent instantly. - Q: Is the service always available?
A: Yes, USSD works 24/7, but success depends on your mobile network.
Tips for Using Opay USSD Safely
To get the best from the Opay USSD platform, keep these safety tips in mind:
- Always double-check the recipient’s name before sending money.
- Never share your PIN with friends, family, or agents.
- Keep your SIM card secure; it’s tied to your Opay account.
- If you suspect fraud, change your PIN immediately in the Opay app.
Why Choose Opay USSD Over Other Methods?
While mobile apps and internet banking are useful, USSD banking shines in situations where internet is unreliable. With *955#, you can:
- Transfer money instantly to banks or Opay users
- Top up airtime and data anytime
- Pay bills securely without standing in queues
- Check balances on the go
This makes Opay USSD one of the most practical financial tools for everyday Nigerians.
Final Thoughts on the Opay USSD Code
The Opay USSD code *955# is more than just a convenience — it’s financial access in your pocket. Whether you’re in Lagos, Kano, Port Harcourt, or a remote village, you can transfer money, recharge airtime, and pay bills in seconds, without internet.
For users who want speed, reliability, and affordability, Opay USSD is a game-changer. It simplifies banking, reduces dependency on apps, and empowers millions of Nigerians to stay connected financially.
Ready to experience it yourself? Dial *955# today from your Opay-registered line. Explore transfers, airtime, data, bill payments, and more — all with one code. Keep your PIN secure, follow the steps in this guide, and enjoy seamless transactions with Opay. If you find this content useful click the share button below