All Opay USSD Code for Transfer & Secure Transactions {2023}

opay ussd code

Many Opay clients are not aware that the Opay USSD Code is available for a variety of operations, such as transfers, airtime purchases, bill payments, OTP requests, and more.

You can easily navigate among the various services because I have compiled a complete list of Opay USSD codes in this resource guide.

These codes make transactions easier and do not require an internet connection.

With the exception of when you want to register an account, you must have an active Opay account in order to use the Opay code. You must also make sure to dial the code from the phone number or SIM card connected to your Opay account.

The USSD code is currently interoperable with the Airtel, MTN, 9mobile, and Glo networks, which is vital to note.

List of All Opay USSD Codes 2023

TransactionsOpay Ussd Codes
1. Check Opay Account Balance*955*0#
2. Opay ATM Card Activation*955*03121#
3. Get Opay OTP*955*010#
4. Electricity Bill Payment *955*6#
5. Bet-Wallet Funding *955*5#
6. Buy Data*955*4*Phone number#
7. Buy Airtime For Others*955*3*amount*phone number#
8. Buy Airtime For Yourself*955*3*amount#
9. Transfer Money To Opay Account*955*1*amount*account number#
10. Transfer Money To Other Bank Account*955*2*amount*account number#

What is Opay USSD Code?

Opay Ussd code is *955#, designed for customers to perform various financial transactions such as money transfers, purchasing airtime and data, making withdrawals, funding betting accounts, and lots more.

After Opay became a fintech company, the Opay USSD code was made to make it easier for Nigerians to use Opay services even if they don’t have internet.

To use the USSD code, you need to have an Opay account and dial the code from the phone number, SIM card, or line that is linked to your Opay account.

This USSD code makes it easier to use Opay, and it works with all networks right now, including Airtel, MTN, 9mobile, and Glo.

How To Activate Opay USSD Code

To use the Opay code, all you have to do is dial the official USSD code *955# on your mobile phone and then follow the on-screen instructions to choose the service you want.

You can use the USSD Opay code on any mobile network in Nigeria, but you must have a registered Opay account or opt in for new registration using the same code. Even better, you can get an Opay account by downloading the Opay mobile app from the app store on your device and following the registration steps.

If you run into any problems while using the USSD code, you should contact Opay’s customer service for help. They will be able to give you the advice you need and help you solve any problems you might have.

How to Use Opay USSD Code

The Opay code can be used for various transactions, including:

  • Fund transfers
  • Checking your balance
  • Obtaining OTP for funding accounts
  • Purchasing airtime
  • Buying data
  • Paying bills
  • Funding betting accounts, and more

To perform any of these transactions, simply follow these steps:

  • Dial *955# on your phone.
  • Select the “Transfer” option for Opay transfers or the appropriate number for transfers to other banks.
  • Choose the desired transaction type or bank.
  • Enter the recipient’s account or phone number.
  • Specify the amount to be transferred.
  • Enter your Opay PIN to authorize the transaction.

How To Use Opay USSD Code to Create an Account

To create an OPay account using USSD, follow these steps:

  • Dial *955# on your phone
  • Select the option to create an account
  • Enter your first and last name 
  • Proceed to Setup 6-digit login pin
  • Verify your account by entering the OTP sent to your phone.
  • You will now have an OPay account

What Services Can I Access With Opay USSD code?

With the Opay USSD code, you can use a number of services and do a number of different transactions.

Here are some of the most common services you can access with an Opay code:

Money Transfers: You can use the USSD code to send money to other Opay users or even to other bank accounts.
Airtime Top-Up: With the USSD code, you can add time to your own phone or the phones of other people.
Bill Payments: You can pay your utility bills, like electricity, water, cable TV, and other service bills.
Data bundles: Using the USSD code, you may be able to buy mobile data bundles that give you access to the internet on your device.
Loan Services: In some cases, Opay may offer loan services through their USSD code. This means that eligible users can apply for loans and get the money sent straight to their Opay accounts.
Savings: Opay lets you set up a savings account where you can put money and earn interest.
Purchases of e-pins: You may be able to use the USSD code to buy e-pins for services like registering for an exam or subscribing to an online service.
Balance Inquiries: You can see how much money is in your Opay account by using a USSD code to check your account balance.

Is Opay USSD Code Safe To Use?

Opay is a real, registered company that is licenced by CBN and NDIC to run as Opay Digital Services Limited under Opay Inc.

They do a number of things to keep your transactions and personal information safe.

But even though Opay works hard to keep its services safe, it’s important for users to stay alert and use good security habits.

By following the steps below, you can make sure your Opay USSD code transactions are more secure.

Here are a few things to think about:

Privacy: Don’t tell anyone your Opay USSD code PIN or other sensitive information. Do not give it to anyone else or put it somewhere that is easy to find.
Check out the transactions: Before you confirm the transaction with the USSD code, you should always look over the details and make sure they are correct. Make sure the information about the recipient and the amount of the transaction are correct.
Secure Environment: Use the USSD code in a safe place, such as a private room, where you won’t be seen and others won’t be able to see what you are doing.
Watch out for Scams: Be careful of phishing attempts or fake messages that ask for your personal information or USSD code details. Opay will never call or text you out of the blue and ask for your PIN or other sensitive information.
Check Your Account Activity Often: Keep an eye on your Opay account activity on a regular basis to catch any unauthorised transactions or strange goings-on. Send any problems or questions to Opay’s customer service right away.
Make sure your operating system, security software, and the Opay app on your mobile device are all up-to-date. Updates often come with security patches that help protect against known flaws.

How To Use Opay USSD Code for Transfer

Follow these steps to use the Opay USSD code to send money:

  • Enter *955# into your phone’s dialer.
  • To start the USSD code service, press the call button.
  • A menu with different choices will show up on your screen. Enter the number or code that corresponds to the “Transfer” option to choose it.
  • If asked, choose whether you want to send the money to your Opay account or to a different bank.
  • If you want to send money to an Opay account, choose “1” or enter the code given.
  • If you want to send money to another bank, choose “2” or enter the code given.
  • Enter the account number or Opay phone number of the person you want to send money to, depending on what you chose in the last step.
  • Type in the amount that you want to send.
  • Check the information you entered to make sure it is correct.
  • Enter your Opay PIN to let the transaction go through.
  • Once the transaction is complete, you will get a confirmation message that tells you how the transfer is going.

How To Use Opay USSD Code for OTP

The Opay USSD code for OTP is used to create a one-time password that makes your Opay transactions even more secure. Most of the time, the OTP is used to give permission for sensitive actions, like adding money to your Opay account or making certain financial transactions.

To use the Opay USSD code for OTP (One-Time Password), follow these steps:

  • Dial *955*010# on your mobile phone’s dialer.
  • Press the call button to initiate the USSD code service.
  • A system-generated OTP will be sent to your registered mobile number associated with your Opay account.
  • Retrieve the OTP from the SMS you receive on your phone.
  • Enter the OTP on the USSD screen within the specified time limit.
  • If the OTP is entered correctly, you will receive a confirmation message indicating that the OTP is validated successfully.
  • You can now proceed with your desired transaction or operation that requires OTP verification.

How To Use Opay USSD Code for Airtime or Data

By using the Opay USSD code for airtime, you can easily top up your phone or another phone number’s airtime balance. It gives you a quick and easy way to buy airtime without needing to connect to the internet or use the Opay app.

Follow these steps to buy air time with the Opay USSD code:

  • Enter 9553*Number# into your phone’s dialer. Replace “Amount” with the amount you want to spend on airtime.
  • To start the USSD code service, press the call button.
  • Follow the prompts on the USSD screen to choose the network provider or say if it’s for your own number.
  • If you’re buying airtime for someone else, enter their phone number. If it’s for your own number, skip this step.
  • Make sure you know how much airtime you want to buy.
  • Enter your Opay PIN or any other security information asked for in order to approve the transaction.
  • Check the information on the USSD screen to make sure it is correct.
  • Once the transaction is complete, you will get a message letting you know that the airtime purchase was successful.

How To Use Opay USSD Code for Withdrawal

Follow these steps to use the Opay USSD code for withdrawal:

  • Enter *955# into the dialer on your cell phone.
  • To start the USSD code service, press the call button.
  • On the USSD screen, you’ll see a list of services you can use. Choose “Withdraw” from the list.
  • Enter the phone number of the Opay POS agent.
  • Type in how much you want to take out.
  • Then, enter your PIN to get money out of your account.


The Opay USSD code has become a useful and easy-to-use way for users to do different kinds of financial transactions and access Opay’s services.

Customers can use Opay’s services with the USSD code even if they don’t have an internet connection. This makes it a good option for people who don’t have smartphones or stable internet connections.

By dialling the *955# USSD code on their mobile phones, Opay users can do things like transfer money, buy airtime, check their balances, pay bills and even create and manage their Opay accounts.

The USSD code gives customers an easy-to-use interface that walks them through the transaction process, making sure everything goes smoothly.

The Opay USSD code is available on MTN, Airtel, 9Mobile, and Glo, among other mobile networks. This means that a wide range of users can use Opay’s services, no matter which network provider they use.

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