OPay is a leading mobile money and payment platform in Nigeria. One of its most useful features is the OPay USSD code, which allows users to perform transactions without internet access. With just a simple code, you can send money, buy airtime, pay bills, and check your account balance—even on basic mobile phones.
This SEO-friendly guide will walk you through everything you need to know about OPay USSD banking and transfer codes, including how to register, use the codes, and keep your transactions secure.
What Are OPay Transfer Codes?
OPay USSD codes are short dial codes that allow you to access your wallet and carry out transactions directly from your mobile phone—no internet needed. These codes work on all major Nigerian networks including MTN, Glo, Airtel, and 9mobile.
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Main USSD Code:
*955#
You can use this code to access a range of OPay services from any mobile phone.
SEE ALSO: Zenith Bank Transfer Codes USSD – Complete Guide to 966# Mobile Banking
How to Register for OPay USSD Banking
To start using OPay USSD transfer codes, you need to have an active OPay wallet linked to your phone number.
Option 1: Register via USSD
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Dial
*955# -
Select “Create Wallet” or “Register”
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Enter your name and other personal details
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Create a 4-digit transaction PIN
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Confirm the PIN
Your wallet will be active immediately.
Option 2: Register via OPay App
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Download the OPay app on Google Play Store or Apple App Store
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Sign up with your mobile number
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Fund your wallet via bank transfer or OPay agents
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Once registered, you can use
*955#for offline transactions
Full List of OPay USSD Transfer Codes
| USSD Code | Function |
|---|---|
| *955# | Main USSD menu |
| 9552# | Send money to OPay users |
| 9553# | Send money to other banks |
| 9554# | Check account balance |
| 9555# | Buy airtime |
| 9556# | Pay bills (electricity, DSTV, etc.) |
| 9557# | View transaction history |
| 9558# | Reset or change PIN |
| 95500# | Contact customer support |
How to Transfer Money Using OPay USSD Codes
To Another OPay Wallet:
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Dial
*955*2# -
Enter recipient’s phone number
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Input amount
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Enter your PIN to confirm
To Other Nigerian Banks:
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Dial
*955*3# -
Choose the recipient’s bank
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Enter the account number
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Input the amount
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Confirm with your PIN
You will receive a confirmation SMS after successful transactions.
How to Check OPay Account Balance
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Dial
*955*4# -
Enter your 4-digit PIN
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Your wallet balance will appear on the screen and via SMS
How to Buy Airtime with OPay USSD
For Yourself:
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Dial
*955*5# -
Select “Buy Airtime”
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Enter the amount
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Confirm with your PIN
For Others:
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Dial
*955*5# -
Select “Buy for Others”
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Enter the recipient’s number and amount
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Confirm with your PIN
How to Pay Bills via OPay USSD
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Dial
*955*6# -
Choose bill type (e.g., electricity, DSTV, GOtv)
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Enter Smartcard or meter number
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Input payment amount
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Confirm with your PIN
Security Tips for Using OPay USSD Codes
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Never share your 4-digit PIN with anyone
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Avoid using public or shared phones for transactions
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Watch out for fake SMS or scam calls pretending to be OPay
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Regularly update your PIN using
*955*8# -
Contact support via
*955*00#if you suspect fraud
Common OPay USSD Issues and Solutions
1. “Transaction Failed” Error
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Check your balance and network connection
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Try again later
2. “Invalid PIN”
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Ensure you’re entering the correct PIN
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Reset via
*955*8#if needed
3. USSD Code Not Working
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Dial
*955#correctly -
Try another phone or network
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Contact customer support using
*955*00#
Frequently Asked Questions About OPay USSD Banking
Can I use OPay USSD without the mobile app?
Yes, but you must register through *955# first.
What is the OPay daily transfer limit?
₦500,000 for verified users. Lower limits may apply to unverified accounts.
Can I use OPay USSD outside Nigeria?
No, it only works on Nigerian mobile networks.
Are there fees for OPay transfers?
Yes. Transfers to banks usually cost about ₦10.
How do I block my account if my phone is stolen?
Call customer support via *955*00# immediately.
Conclusion
OPay USSD transfer code *955# gives you access to fast, safe, and convenient mobile banking without the need for internet. From sending money to checking your balance and paying bills, OPay makes managing your finances easy.
To enjoy full benefits, register today and secure your account with a strong 4-digit PIN. Use OPay codes now for reliable and hassle-free banking in Nigeria.
