OPay has made everyday banking easier for millions of Nigerians, especially people who want to send money, buy airtime, or pay bills quickly. One of the most useful features of OPay is its USSD code, which allows users to perform transactions without internet access. This means you can use OPay on any phone, anywhere in Nigeria, as long as you have network service.
In this guide, you will find all the official OPay USSD codes, clearly explained and easy to use. The table below shows the most important OPay codes for checking your balance, transferring money, buying airtime, and more. After the codes, this article explains what OPay is, how it works, how to use OPay USSD safely, and answers common questions many users ask. Whether you are new to OPay or already using it, this page gives you everything you need in one place.
Complete OPay USSD Codes – Quick Reference
| Actions | Code |
|---|---|
| Start / Main Menu |
*955#
|
| Transfer to another Opay |
*955*1*amount*10-digit account number#
|
| Transfer to other banks |
*955*2*amount*10-digit account number#
|
| Buy Airtime for yourself |
*955*3*amount#
|
| Check Account Balance/Total Assets |
*955*0#
|
| Get OTP in you Opay Phone number |
*955*010#
|
| Activate ATM card |
*955*03121#
|
| Buy Data |
*955*4*Phone Number#
|
| Block a Lost or stolen Opay Card |
*955*132#
|
| Reset Transactions PIN |
*955#
|
| Block Account (Phone lost or stolen) |
*955*131#
|
| Check your BVN Number |
*565*0#
|
| Customer Support |
*955*0#
|
OPay USSD Code Not Working? How to Fix It
If your OPay USSD code is not working, here are the common causes and solutions:
1. Network Issues
Problem: Poor network signal can prevent USSD sessions from connecting.
Solution: Move to an area with better network coverage. Try again after a few minutes. If possible, switch between 2G/3G/4G modes in your phone settings.
2. Wrong SIM Card
Problem: You're dialing from a number not registered with OPay.
Solution: Ensure you're using the exact phone number linked to your OPay account. If you changed SIM cards, update your number through the OPay app or visit an agent.
3. USSD Blocked by Network
Problem: Some networks may block USSD services temporarily.
Solution: Contact your network provider (MTN, Airtel, Glo, or 9mobile) customer care to check if USSD services are active on your line.
4. Daily Limit Reached
Problem: You've exceeded your daily transaction limit.
Solution: Wait until the next day when limits reset, or upgrade your account tier for higher limits.
5. Session Timeout
Problem: USSD sessions expire after 30 seconds of inactivity.
Solution: Have all required information ready before dialing. Respond quickly to prompts.
OPay USSD Charges Explained
Understanding OPay's fee structure helps you save money on transactions. Here's a complete breakdown:
Free Services
- Dialing the USSD code (*955#) - Always Free
- OPay to OPay transfers - Always Free
- Balance enquiry - Always Free
- Airtime purchase for self or others - Free + Cashback
- Data purchase - Free + Discounts
Paid Services (Bank Transfers)
| Transfer Amount | Fee |
|---|---|
| ₦1 - ₦5,000 | ₦10 |
| ₦5,001 - ₦50,000 | ₦25 |
| Above ₦50,000 | ₦50 |
OPay USSD vs OPay App – Which Is Better?
Both OPay USSD and the mobile app have their advantages. Here's a detailed comparison to help you choose:
| Feature | USSD (*955#) | Mobile App |
|---|---|---|
| Internet Required | ||
| Works on Feature Phones | ||
| Transaction Speed | Fast (30 seconds) | Very Fast (10 seconds) |
| QR Code Payments | ||
| View Transaction History | Limited (Mini Statement) | Full History |
| Virtual Card | ||
| Savings & Investments | ||
| Works Without Battery |
When to Use USSD
- No internet connection available
- Using a feature phone (non-smartphone)
- Quick transfers and airtime purchases
- When data is expensive or unavailable
When to Use the App
- Need full transaction history
- Want to use virtual cards for online shopping
- Need savings and investment features
- Prefer a visual interface
Security Tips When Using OPay USSD
Protect your money and personal information with these essential security practices:
1. Never Share Your PIN
Your 4-digit PIN is private. Never share it with anyone – not even OPay staff or family members. OPay will never ask for your PIN via call, SMS, or email.
2. Cancel If Session Delays
If your USSD session takes too long or shows unusual prompts, cancel immediately by ending the call. Start a fresh session to ensure security.
3. Block Account If Phone Is Lost
If your phone is lost or stolen, immediately dial *955*131# from another phone to block your OPay account. Then contact customer support.
4. Use Strong, Unique PIN
Avoid obvious PINs like 1234, 0000, or your birth year. Choose a random 4-digit combination that only you know.
5. Verify Recipients Before Sending
Always double-check account numbers and names before confirming any transfer. OPay shows the recipient's name – verify it matches who you intend to send to.
6. Log Out of Shared Devices
If you ever use the OPay app on someone else's phone, always log out completely when done.
OPay USSD Daily Limits (By Account Tier)
Your transaction limits depend on your OPay account verification level. Here's the complete breakdown:
| Tier 1 | Tier 2 | Tier 3 | |
|---|---|---|---|
| Requirements | Phone number only | BVN verification | BVN + Valid ID + Address |
| Daily Limit | ₦50,000 | ₦200,000 | ₦5,000,000 |
| Max Balance | ₦300,000 | ₦500,000 | Unlimited |
How to Upgrade Your Account
- Open the OPay app on your phone
- Go to Profile → Account Upgrade
- Enter your BVN (Bank Verification Number)
- Upload a valid government ID (NIN, Voter's Card, Driver's License, or International Passport)
- Wait for verification (usually within 24 hours)
How to Register OPay Using USSD
If you don't have an OPay account yet, you can register directly using USSD. Here's how:
- Dial *955# from your mobile phone
- Select the option for "Create Account" or "Register"
- Enter your full name as it appears on your ID
- Enter your date of birth
- Create a 4-digit PIN for your account
- Confirm your PIN
- Your account will be created instantly
What is OPay?
OPay is a digital financial service that helps people send and receive money easily using their mobile phones. With OPay, users can transfer money, pay bills, buy airtime, buy data, and make payments without going to a physical bank. It works through a mobile app and also through USSD codes for people who do not have internet access.
OPay is very popular in Nigeria because it is fast, simple to use, and works on both smartphones and small feature phones. Many people use OPay as their main wallet for daily transactions like paying for transport, electricity, or mobile recharge. It is designed to make banking easier for everyone, especially people who prefer cashless payments.
OPay provides services including:
- Mobile money transfers and payments
- Bill payments (electricity, cable TV, internet)
- Airtime and data purchases
- Savings and investments
- Virtual debit cards
- QR code payments
Full Meaning of OPay
The full meaning of OPay is Opera Pay. The name comes from its early connection with Opera, the company behind the Opera web browser. OPay was created to provide digital payment services that are fast, secure, and easy to access.
Even though many people only call it OPay, the platform has grown beyond its original name. Today, OPay operates as a full mobile money service that supports millions of users. The focus is no longer just on the name but on helping people manage money smoothly without stress.
What is OPay USSD Code?
USSD (Unstructured Supplementary Service Data) is a protocol that allows you to access banking services using simple codes on your phone. Unlike mobile apps, USSD codes work without internet connection and on any type of phone – including basic feature phones.
OPay USSD code allows you to:
- Perform banking transactions without internet
- Access your account from any phone (smartphone or feature phone)
- Complete transactions quickly and securely
- Bank on the go, anywhere in Nigeria
How to Check OPay Balance with USSD
Checking your OPay account balance is quick and easy with USSD. Follow these simple steps:
- Dial *955*0# from your registered phone number
- Enter your 4-digit OPay PIN when prompted
- Your current account balance will be displayed on screen
How to Transfer Money with OPay USSD
You can transfer money to any bank account in Nigeria using OPay USSD. Here's how:
Transfer to OPay Account
Example: To send ₦5,000 to phone number 08012345678, dial *955*5000*08012345678#
Transfer to Other Banks
- Dial *955*Amount*AccountNumber#
- Select the recipient's bank from the list
- Confirm the recipient's name
- Enter your 4-digit PIN
- Transaction complete! You'll receive an SMS confirmation
How to Buy Airtime Using OPay USSD
Purchase airtime for yourself or others directly from your OPay account:
Airtime for Your Number
Example: To buy ₦1,000 airtime for yourself, dial *955*1000#
Airtime for Another Number
How to Pay Bills Using OPay USSD
Pay for electricity, cable TV, internet, and other bills using OPay USSD:
- Dial *955# from your phone
- Select "Pay Bills" from the menu
- Choose the bill category (Electricity, Cable TV, etc.)
- Select your service provider
- Enter your meter/decoder number
- Enter the amount
- Confirm and enter your PIN
Supported bill payments include:
- Electricity (EKEDC, IKEDC, AEDC, etc.)
- Cable TV (DSTV, GOtv, Startimes)
- Internet subscriptions
- Betting accounts
- Education payments
OPay Customer Support
Need help with your OPay account? Our dedicated support team is available 24/7 to assist you with any issues, inquiries, or complaints.
App & Card Support
For mobile app issues, card queries, and general account support
Email Support
For detailed inquiries and documentation
OPay Service Centers in Nigeria
Visit any of the following OPay service centers for in-person assistance:
Common Problems and Solutions
Here are solutions to common issues OPay USSD users face:
1. "Transaction Failed" Error
Solution: This usually occurs due to network issues. Wait a few minutes and try again. If the problem persists, ensure you have sufficient balance and that your PIN is correct.
2. USSD Session Timeout
Solution: USSD sessions typically expire after 30 seconds of inactivity. Be ready with all required information before dialing and respond quickly to prompts.
3. Wrong PIN Entry
Solution: After 3 wrong PIN attempts, your account may be temporarily locked. Contact OPay customer support to reset your PIN.
4. "Number Not Registered" Error
Solution: Ensure you're dialing from the phone number registered with your OPay account. If you've changed SIM cards, you'll need to update your registered number through the app or visit an agent.
5. Delayed Transactions
Solution: Some transactions may take up to 24 hours during peak periods. Check your transaction history. If the money was debited but not credited, contact support with your transaction reference.
FAQs about OPay USSD Code
The official OPay USSD code is *955#. Dial this code to access various banking services including transfers, balance checks, airtime purchase, and bill payments.
Yes, OPay USSD is safe and secure. Every transaction requires your 4-digit PIN for authorization. Never share your PIN with anyone, and always end USSD sessions properly after completing transactions.
No, OPay USSD only works within Nigeria on Nigerian mobile networks. If you're abroad and need to access your OPay account, you'll need to use the OPay mobile app with an internet connection.
Yes, OPay USSD works 24 hours a day, 7 days a week. You can perform transactions at any time, including late nights, weekends, and public holidays.
Yes! OPay USSD works independently of the mobile app on any phone including feature phones without internet. However, you need an OPay account first, which can be created via USSD or the app.
Dialing the USSD code is free. Bank transfers have small fees (₦10-₦50 depending on amount). OPay to OPay transfers and airtime purchases are completely free.
To reset your PIN, open the OPay app, go to Profile → Security → Reset PIN. You'll verify your identity via OTP. Alternatively, contact customer support at 0700 888 8328.
Tier 1: ₦50,000 daily. Tier 2: ₦200,000 daily. Tier 3: up to ₦5,000,000 per day. Upgrade your account by verifying your BVN and ID for higher limits.
Yes, OPay USSD works on MTN, Airtel, Glo, and 9mobile. As long as your number is registered with OPay, you can access USSD services from any network.
OPay was founded in 2018. It started as a digital payment platform and quickly grew into a full mobile money service serving millions of Nigerians.
OPay's valuation is estimated at over $2 billion, making it one of Africa's most valuable fintech companies. This reflects its strong growth in mobile payments and merchant services.
To borrow from OPay, open the app and go to the Loan or Finance section. Check if you're eligible based on your account activity. Accept the terms to receive funds instantly. Loan availability depends on your usage history.