The Opay USSD code is *955#, which allows users to perform financial activities without internet access, including transferring money to another Opay account or bank, purchasing data and airtime, paying bills, and more. While knowing the USSD code is important, understanding how to use it effectively is even more crucial, which we will break down in this article.
Before diving into the details, it’s helpful to know what Opay is and how it works. Although it’s widely recognized in Nigeria, this guide is designed for anyone seeking to understand the Opay USSD code, including non-Nigerians planning a trip to Nigeria who want a simple, reliable fintech app to manage their expenses.
What is Opay?
Opay is a one-stop fintech platform in Nigeria, founded in 2018, that offers payments, money transfers, savings, loans, and other essential financial services. It also provides POS solutions for agents and merchant acquiring services. Today, OPay serves tens of millions of users, agents, and merchants across Nigeria, making financial transactions fast, secure, and convenient.
What is the Opay USSD Code?
The Opay USSD code is a quick and convenient way for users to access Opay services without the need for an internet connection, even on basic feature phones that cannot run the Opay app. USSD (Unstructured Supplementary Service Data) codes allow users to perform transactions safely and efficiently by dialing a short number on their phone — for Opay, this number is *955#.
With the updated USSD service, Opay users can:
- Send and receive money instantly
- Buy airtime and data bundles.
- Check account balance and transaction history.
- Pay utility bills and access other essential services
Requirements and How to Activate Your Opay USSD Code
Before you can start using the Opay USSD code (*955#), you need an active Opay account, and your phone number must be linked to it. Here’s a simple way to get your USSD service ready:
- Sign Up for an Opay Account
Create your Opay account through the mobile app or visit an Opay agent near you to register. Pick the method that works best for you. - Connect Your Phone Number
Make sure the SIM card you’ll use is registered with your Opay account. This ensures the system recognizes your device for USSD transactions. - Activate USSD on Your Device
Dial *955# and follow the on-screen prompts to register your device for Opay USSD services. - Set Up a Secure PIN
Create a 4-digit PIN to approve your transactions. Keep it private and do not share it to protect your account.
How to Use the Opay USSD Code
Once your device is registered and your PIN is set, using the *Opay USSD code (955#) is quick and straightforward. Follow these steps to complete transactions safely:
- Dial the Code
Open your phone’s dialer and enter *955#. Press the call button to access the Opay USSD menu. - Choose Your Service
The menu will display options like send money, buy airtime, recharge data, check balance, and more. Select the service you want by entering the corresponding number. - Follow the Instructions
Enter the amount, account number, or phone number as prompted. The system will guide you through each step. - Confirm Your Transaction
Review all details carefully before confirming. Once confirmed, your transaction will be processed instantly.
Main Functions of Opay USSD Code
The Opay USSD code offers a wide range of services. Here’s a detailed look at each function:
1. Transfer Money
Sending money via USSD is fast and convenient.
- Dial *955# → select Send Money
- Enter the recipient’s account number or phone number.
- Enter the amount
- Confirm the transaction
Note: Transfer limits depend on your account tier. Tier 1 allows ₦50,000 daily with a ₦300,000 max balance, Tier 2 allows ₦200,000 daily with a ₦500,000 max balance, and Tier 3 allows ₦5,000,000 daily with unlimited balance. Upgrade your account for larger transactions.
2. Buy Airtime
Recharge your phone or others’ phones with ease:
- Self recharge: *955*3*Amount#
- Recharge for others: *955*3*Amount*PhoneNumber#
Supports all major Nigerian networks — MTN, Airtel, Glo, and 9mobile.
3. Recharge Data
Purchase data bundles using USSD:
- Dial *955# → select Buy Data
- Enter the desired bundle and recipient number.
- Confirm payment
No internet is needed, making it perfect for users on feature phones or low-data plans.
4. Check Balance
Stay on top of your finances by checking your Opay wallet balance:
- Dial *955*0#
- Your current balance and recent transactions will display
This helps you manage your money efficiently without visiting a bank.
5. Other Services
Beyond basic functions, the Opay USSD code allows you to:
- Pay utility bills: Electricity, cable, and other services
- Fund your Opay account: Via bank transfers or other supported methods.s
- Access promotions: Some USSD options include special offers
This makes Opay a comprehensive all-in-one financial tool.
Benefits of Using Opay USSD Code
- No Internet Needed: Ideal for areas with limited or no data coverage.
- Fast and Easy: Access multiple services quickly with just a few taps.
- Works on Any Phone: Compatible with both feature phones and smartphones.
- 24/7 Access: Perform transactions anytime, anywhere, without visiting a bank.
The Opay USSD service empowers users to manage their finances on the go, making it an essential tool in today’s fast-paced digital world.
Troubleshooting Common Issues
Even though the Opay USSD code is simple, some issues may arise:
- Invalid code or service unavailable: Check network coverage and ensure you dial correctly.
- SIM not linked: Make sure your mobile number is registered with your Opay account.
- Failed transactions: Review account balance or daily limits.
- Contact support: Call Opay customer care if problems persist.
Being aware of these issues can save you time and frustration
Frequently Asked Questions (FAQs) About Opay USSD Code
Q1: What is the Opay USSD code?
The Opay USSD code is *955#, a fast way to access Opay services like money transfers, airtime and data purchases, balance checks, and bill payments.
Q2: Can I use the USSD code on any phone?
Yes! It works on both smartphones and feature phones. Your device just needs a SIM card linked to your Opay account.
Q3: Do I need the internet to use Opay USSD?
No. USSD operates over the mobile network, so you can perform transactions even without internet access.
Q4: How do I check my Opay account balance using USSD?
Dial *955*0# and follow the on-screen prompts to view your current balance and recent transactions.
Q5: Is my money safe using Opay USSD?
Yes. Transactions are secured with your 4-digit PIN and encrypted over the mobile network. Always keep your PIN private to ensure your account stays safe.
Conclusion
The Opay USSD code (*955#) makes managing your finances simple, fast, and secure without internet access. You can transfer money, buy airtime or data, pay bills, and check your balance directly from your phone, whether it’s a smartphone or a feature phone, making everyday transactions effortless and accessible to everyone.