Opay USSD Code: The Complete Guide to Opay Transactions Without Internet
In today’s fast-paced world, digital financial services have revolutionized the way we manage money, make payments, and transfer funds. One such fintech company that has gained massive popularity in Nigeria is Opay. While many people use the Opay mobile app, not everyone knows that Opay USSD codes allow users to perform all essential transactions without an internet connection.
Whether you're a smartphone user or using a basic mobile phone, Opay's USSD service ensures uninterrupted financial access. In this guide, we will walk you through everything you need to know about Opay USSD codes—how to use them, what services they cover, benefits, limitations, and answers to frequently asked questions.
What is the USSD code for OPay?
Opay USSD Code: The Complete Guide to Opay Transactions Without Internet
*955# is the Opay USSD code. This is a short code that allows users to perform financial transactions on their Opay account without a smartphone or internet connection.
This code is especially helpful for people who live in rural areas, have limited internet access, or use feature phones.
List of All Opay USSD Codes and Their Functions
The table below shows Opay USSD codes and what each code does:
| USSD Code | Function |
|---|---|
*955# | Main Opay menu |
*955*1*Amount*AccountNumber# | Send money to Opay account |
*955*2*Amount*AccountNumber# | Send money to other banks |
*955*3# | Buy airtime for self |
*955*3*PhoneNumber*Amount# | Buy airtime for others |
*955*4*Amount# | Buy data for self |
*955*5# | Check Opay account balance |
*955*6# | Fund Opay wallet |
*955*7# | Withdraw money |
*955*8# | Get OTP for transactions |
*955*9# | Generate transaction PIN |
*955*11*Amount# | Pay electricity bill |
*955*12*Amount# | Pay for DSTV, GOTV, Startimes |
*955*0312# | Airtel Data bundle |
*955*1311# | MTN Data bundle |
*955*2212# | Glo Data bundle |
*955*3232# | 9mobile Data bundle
|
How do I activate my OPay code?
You need to sign up for OPay and add your phone number before you can use the USSD code. Simply follow these steps:
To sign up for OPay, either visit any OPay agent or download the app (for smartphones).
Call back using the same number that was entered when you registered.
On your mobile device, press the *955# sign.
Please ensure that your 4-digit transaction PIN is set.
Once you have the confirmation, you will be able to access all of the USSD services.
Make sure that your OPay wallet is linked to your phone number before you try to make a transaction.
Benefits of Using OPay USSD Code
You may ask, What are the benefits of using the OPAY USSD code? Well, it comes with the following benefits:
1. No Internet Required
No data or Wi-Fi connection is required, making it ideal for places with spotty service.
2. 24/7 Accessibility
All day, every day, even holidays and weekends, our services are at your disposal.
3. Compatible with All Phones
Any smartphone, including the Nokia Torchlight and Android, can easily use USSD.
4. Secure Transactions
Our PIN protects your transactions. Assuming you keep your PIN secret, using USSD is risk-free.
5. Fast and Efficient
Opay's USSD code is straight and fast; there is no lag or delay.
6. Agent Banking Compatible
With Opay USSD, agents can easily process consumer deposits and withdrawals.
How to transfer money to OPay?
To send money to an OPay or another bank using USSD:
How to transfer money to Opay Wallet: Dial *955*1*Amount*OpayPhoneNumber#.
For instance, the following code: *955*1*5000*08012345678#
Proceed by entering your PIN.
How to transfer money to other banks:
- Dial:
*955*2*Amount*AccountNumber# - Follow prompts to select the bank.
- Enter your PIN.
How to Buy Airtime and Data with Opay USSD
Your line, or the lines of your loved ones, can be recharged quickly and easily.
How to Buy Airtime for Yourself with the OPay USSD Code
- Dial:
*955*3# - Select the amount and confirm with your PIN.
How to Buy Airtime for Others with the OPay USSD Code:
- Dial:
*955*3*PhoneNumber*Amount# - Example:
*955*3*08012345678*500#
How to buy data using the Opay USSD code:
- Dial:
*955*4*Amount# - Or use shortcuts like:
*955*0312#for Airtel*955*1311#for MTN*955*2212#for Glo*955*3232#for 9mobile
How can I check my OPay account balance
You can view your account balance whenever you want:
Just dial *955*5# with your mobile phone.
You can view your available wallet balance by entering your PIN.
How to Fund Your Opay Wallet with USSD
If you have a USSD card, you can load money into your Opay wallet this way:
Method 1: From Linked Bank
- Dial
*955*6# - Select your preferred funding method.
Method 2: Via Bank USSD
To use Opay or another wallet, call your bank's USSD code, choose "Other Wallet," and then follow the on-screen prompts.
How to Withdraw from Opay Wallet Using USSD
Either your bank or an Opay representative can process the withdrawal.
Proceed by dialing *955*7#.
Please select your choice:
Proceed to the bank
Withdraw funds using a third party
Please provide the amount along with your PIN.
How to Generate OTP Using Opay USSD
You might be requested to provide a One-Time Password (OTP) to complete secure transactions.
Enter the following code: *955*8#
You will either see an on-screen prompt or have an OTP emailed to the number you provided.
How to Set or Reset Transaction PIN via USSD
Every Opay USSD transaction is protected by your PIN. To make changes or reset it:
Just dial *955*9# with your mobile phone
Create a new PIN by following the on-screen prompts.
How to Pay Bills Using Opay USSD Code
You can use USSD to pay utility bills such as electricity, DSTV, GOTV, and more.
Electricity Bills: You can use *955*11*Amount#. To enter your meter number and choose your supplier, just follow the on-screen instructions.
Cable TV Subscription: You can dial *955*12*Amount#. Pick a service: DSTV, GOTV, or Startimes, and select your smart card or IUC, then enter your PIN to confirm.
Opay USSD Code Not Working? Here’s What to Do
Sometimes, you may encounter issues when trying to initiate a transaction with OPay USSD. If it*955# is not working, try these solutions:
Ensure You’re Using a Registered Phone Number
The USSD code only works on the number linked to your OPay account.
Check Network Signal - A poor signal can interrupt USSD functionality.
Dial the Code Correctly—Avoid typos or extra spaces.
Contact Opay Support
- Get in touch with Opay support via
- with In-app chat support
- Email: [email protected]
- Twitter: @Opay_NG
- Via mobile call with these numbers: +234 0700 888 8328 / 0201 8888328
- Opay WhatsApp number: +2349165998936
Opay Customer Care Number
With a wide range of features, including bill pay, money transfers, recharging airtime and data, point-of-sale transactions, and more, OPay has quickly become one of the most popular fintech platforms in Nigeria. Expect occasional inquiries, grievances, or technical difficulties from the country's millions of users.
The easiest way to get help with your Opay account if you're having problems or need suggestions is to contact Opay customer service.
You can read this post to learn about the OPay customer care number. The table below shows you a support channel to reach Opay very fast.
| Channel | Details |
|---|---|
| Customer Care Number | 0700 888 8328 |
| Email Support | [email protected] |
| Twitter Handle | @Opay_NG |
| Facebook and instagram | facebook.com/opay.ng |
Frequently Asked Questions (FAQs)
Is registration required to use Opay USSD?
No. Accessing USSD features requires registration and linking your phone number.
Will Opay USSD be secure?
Yes. Your financial dealings will remain risk-free so long as you guard your PIN.
Can I make an unlimited number of USSD transactions?
Yes. Based on your account level, daily limits are in effect. For higher limitations, you need to upgrade your KYC.
Is it possible to use Opay USSD to send funds to other wallets?
Yes. Transfer funds to other Opay wallets or financial institutions such as Access Bank, GTBank, or Zenith.
If you're a Nigerian and you don't have internet but still need access to banking services, the Opay USSD code *955# is for you. With Opay's USSD service, you can easily buy airtime, pay bills, send money, or check your balance.
People in remote places or without cellphones will find this service invaluable. With these codes in your pocket, you may do all your digital banking without ever having to enter a single piece of information