One of Opay’s most underrated features is the Opay USSD code, a quick, offline alternative that works seamlessly on both smartphones and basic feature phones.

It doesn't matter if you are stuck without mobile data, or in an area with poor internet, the Opay USSD code ensures you can move money, recharge airtime, or check your balance in seconds. No app. No Wi-Fi. No delays.

In this guide, we’ll break down everything you need to know,  from using the code for money transfers and airtime top-ups to checking your Opay account balance, plus a full list of updated USSD codes you may  ever need.

What Is the Opay USSD Code?

The Opay USSD code is *955#, a short service number that lets Opay users carry out financial transactions directly from their mobile phones, with no internet connection required. By simply dialing this code, you can send money, buy airtime or data, pay bills, and check your account balance in seconds.

The best part? Any Opay account holder can use it, whether they have a basic feature phone or the latest Android or iPhone device. As long as your phone number is linked to your Opay wallet, you’re good to go.

Key benefits:

• No data required as it works entirely offline.
   
• Fast transactions that are usually under a minute.
   
• Works across MTN, Airtel, Glo, and 9mobile.
   
• Simple menu prompts for easy navigation.

How to Register or Activate Opay USSD Code

Activating the Opay USSD code is quick and straightforward, but it requires a few basic setup steps to ensure your transactions are secure. 

If you already have an Opay account and your phone number is linked to it, you can start using *955# almost immediately.

Step-by-Step Guide to Activate Opay’s USSD Service

1. Dial the official Opay USSD code on your mobile phone, dial *955#.
    
2. Select “Register” or “Activate”. If this is your first time, you’ll be prompted to activate the service.
    
3. Enter your Opay-registered phone number. (This must be the same number linked to your Opay account.)
    
4. Create a 4-digit USSD PIN that will be used to authorize all your transactions.
    
5. Confirm your PIN by re-entering the same PIN for verification.
    
6. Once confirmed, you’ll receive a success message, and the USSD menu will be ready to use.
    

Requirements for Activation

Before you can use the Opay USSD service, make sure you have:

• An active Opay account. You can open one via the Opay app or at an Opay agent location.
   
• A phone number linked to your account.
   
• A secure transaction PIN 

Fixing Issues

You may encounter issues while trying to register or activate the Opay USSD code, and if you do, here is how to fix it:

• “Invalid code” error: Double-check that you’re dialing *955# from your registered phone number.
   
• No response after dialing: Ensure you have mobile network coverage; USSD works without data but still requires signal.
   
• Forgotten PIN: Dial *955#, navigate to “Change PIN” or contact Opay customer care at *955*9#.
   
• Service not available: Try again later or use the Opay app to confirm your account is active.
   

Once activated, you can use the Opay USSD code anytime, even without internet to send money, buy airtime, or check your account balance.

Opay USSD Code for Sending Money

One of the most common uses of the Opay USSD code is sending money either to another Opay user or directly to a bank account in Nigeria. The process is fast, secure, and works even when you don’t have internet access.

How to Transfer Money to Opay Users

If the recipient also uses Opay, transferring funds is straightforward:

1. Dial *955# on your mobile phone.
    
2. Select the “Transfer” option.
    
3. Choose “Opay User” as the recipient type.
    
4. Enter the recipient’s phone number linked to their Opay account.
    
5. Input the amount you want to send.
    
6. Enter your USSD transaction PIN to confirm.
    

Quick format: *955*1*Amount*PhoneNumber#

How to Send Money to Other Banks in Nigeria

Opay also allows you to send money directly to accounts in other banks:

1. Dial *955#.
    
2. Select “Transfer” from the menu.
    
3. Choose “Other Banks” as the transfer option.
    
4. Enter the recipient’s bank account number.
    
5. Select the bank from the provided list.
    
6. Enter the amount you wish to send.
    
7. Authorize with your USSD PIN.
    

Quick format: *955*2*Amount*AccountNumber#

Example of Opay USSD Format for Transfers

• Opay to Opay: *955*1*1000*08012345678#
   
• Opay to Bank: *955*2*5000*1234567890#
   

Daily Transaction Limits and Charges

• Daily Limit: Opay typically allows up to ₦200,000 in daily transfers via USSD (limits may vary based on account tier).
   
• Charges:
   
  • Opay to Opay transfers are usually Free.
     
  • Opay to bank transfers  are usually between ₦10–₦30 per transaction, depending on the amount.
     

Tip: Always ensure you have enough balance before initiating a transfer to avoid failed transactions.

Opay USSD Code for Buying Airtime and Data

Opay’s 955 USSD service has quietly become one of the fastest ways to buy airtime or data in Nigeria, and all you need is a basic phone and your Opay account.

Airtime Top-Up for Self and Others: *955*3#

If you just want to load your own phone or send airtime to someone else, dial:

• *955*3#  and  follow the on-screen prompt.
   
• Choose Self for your own line or Others to gift airtime to friends, family, or colleagues.
   
• Enter the amount and confirm with your PIN.
   

Funds are deducted directly from your Opay balance, and the recharge hits in seconds. 

Buying a Data Bundle

Getting online is just as quick:

1. Dial *955#.
    
2. Select the Data option from the menu.
    
3. Pick your network provider.
    
4. Choose a plan (daily, weekly, monthly).
    
5. Confirm payment with your Opay PIN.
    

Supported Networks

Opay’s USSD covers all major Nigerian networks:

• MTN
   
• Airtel
   
• Glo
   
• 9mobile
   

So no matter where you are or which SIM you use, you’re covered.

Why Use Opay USSD?

• Cashback: Earn small rewards on airtime and data purchases.
   
• Speed: Transactions complete in seconds.
   
• No App Needed: Works on smartphones and feature phones, even without data.
   

How to Check Your Opay Account Balance Using USSD

If you want to know how much is sitting in your Opay wallet without opening the app, the USSD route is your best friend. Just dial:

*955*0#

Hit “call,” and in a few seconds, your balance flashes right on your screen, no stress.

Why it’s so quick:
The USSD connection cuts out the internet middleman. You’re talking directly to Opay’s system, so you get the numbers almost instantly.

Other ways to check your balance:

• Opay app: Open the app and your balance is right there on the home screen.
   
• SMS alerts: If you’ve enabled transaction notifications, every debit or credit comes with your updated balance.

Full List of Opay USSD Codes (2025 Update)

How To Fix Any Issue When Using Opay USSD

Opay’s USSD service is a lifesaver when you don’t have internet access, but it’s not immune to glitches. Here’s how to handle the most common issues without breaking a sweat.

1. USSD Not Working or Showing “Invalid Code”

If you keep seeing an “invalid code” message, it usually means:

• You dialed the wrong format (double-check spacing, symbols, and order).
   
• You’re using a SIM card not linked to your Opay account.
   
• Your mobile network is blocking the request, just restart your phone and try again.
   

Fix:
Always dial the correct format, e.g., *955*0# for balance checks. If you’re still stuck, call your network provider to ensure USSD is enabled.

2. Network or Service Error

This is often a temporary glitch with either your mobile network or Opay’s servers.

Fix:

• Try again after a few minutes.
   
• Switch between 3G/4G or move to a spot with stronger network coverage.
   
• If it’s persistent, check Opay’s social pages or in-app notifications for downtime updates.
   

3. How to Reset Transaction PIN

If you’ve forgotten your USSD PIN or suspect it’s compromised:

•  Dial *955*6#. 
   
• Follow the prompt to reset your PIN.
   
• Choose a secure 4-digit code that’s not your birthday or ATM PIN.
   

4. How to Contact Opay Support

When the issue isn’t something you can fix:

•  Call 0700 888 8328.
   
• Use the Opay in-app chat for faster responses.
   
• Send an email to [email protected]. 
   

Is the Opay USSD Code Safe to Use?

Opay’s USSD service is built with encryption and layered security to make it safe for everyday transactions. 

When you dial a code like *955#, your commands are transmitted over a secure channel that masks sensitive details, such as your PIN, from prying eyes.

The Opay USSD security comes with a pin based verification, has session timeouts and is encrypted to ensure your safety 

But then, security is not only about the system, it’s also about how you use it.

Safety Tips for Using Opay USSD

• Protect your PIN: Never share it with anyone, not even Opay staff.
   
• Avoid using public/shared phones: If you must, log out immediately and clear recent codes from the call log.
   
• Be mindful of your surroundings: Don’t dial USSD codes where others can easily see your screen.
   

What to Do if Your Phone Gets Stolen

• Block your SIM immediately:Call your mobile network provider to suspend the line.
   
• Contact Opay support: Request a temporary hold or block on your account.
   
• Change your PIN: Once your SIM is recovered or replaced, reset your Opay PIN before resuming transactions.
   

FAQs

What is the official Opay USSD code?

The official Opay USSD code is *955#. From there, you can access all available services by following the on-screen prompts. For balance checks specifically, you can dial *955*0#.

How do I send money using the USSD code?

Dial *955#, choose “Transfer,” enter the recipient’s account number, select their bank, type in the amount, and confirm with your transaction PIN. The process takes less than a minute if your network is stable.

Can I use Opay USSD without the app?

Yes. As long as your phone number is linked to your Opay account, you can perform transactions with USSD.

What is Opay daily transaction limit?

For most accounts, the daily limit for USSD transactions is around ₦50,000 for transfers and ₦200,000 for bill payments. To increase this, you’ll need to upgrade your Opay account tier by providing valid ID and other verification details.

How do I reset my USSD PIN?

Dial *955#, go to “Account” or “Settings,” and select “Reset PIN.” You’ll be prompted to provide your old PIN or verify with your registered details before creating a new one.