10 Opay USSD Code for Transfer & Secure Transactions

Many Opay customers are unaware of the availability of Opay USSD Code for various transactions, including transfers, airtime purchases, bill payments, OTP requests, and more. 

In this resource guide, I have curated a comprehensive list of Opay USSD codes, making it effortless for you to navigate through the different services.

These codes streamline transactions and eliminate the need for an internet connection

However, to utilize the Opay code with the exception of if you want to open an account, you need to have an active Opay account and ensure that you dial the code from the phone number or SIM card associated with your Opay account.

It’s important to note that the USSD code is currently compatible with Airtel, MTN, 9mobile & Glo networks.

 

List of All Opay USSD Codes 2023

S/N	Transactions	Opay 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?

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

The Opay USSD code was introduced after Opay emerged as a fintech company, aiming to make it easier for Nigerians to utilize Opay services even without an internet connection.

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

While this USSD code simplifies the usage of Opay, it is currently compatible with all networks including Airtel, MTN, 9mobile & Glo networks, 

 

How To Activate Opay USSD Code

To activate Opay code, simply dial the official USSD code *955# on your mobile phone and follow the on-screen prompts to select the service that suits you.

You can use USSD Opay code on any mobile network in Nigeria but make sure you have a registered Opay account or get one using the same code by opting in for new registration or better still, you can do so by downloading the Opay mobile app from your device’s app store and following the registration process.

If you encounter any difficulties while using the USSD code, it’s recommended to reach out to Opay’s customer support for assistance. They will be able to provide you with the necessary guidance and help troubleshoot any issues you may encounter.

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 digits 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 Opay USSD code, you can access a range of services and perform various transactions. 

Here are common services you can typically access with Opay code:

• Money Transfers: You can use the USSD code to send money to other Opay users or even transfer funds to other bank accounts.
• Airtime Top-up: You can recharge your own mobile phone or the phones of others using the USSD code. 
• Bill Payments: You can pay utility bills such as electricity bills, water bills, cable TV subscriptions, and other service bills.
• Data Bundles: The USSD code may provide an option to purchase mobile data bundles for internet access on your device.
• Loan Services: In some cases, Opay may offer loan services through their USSD code, allowing eligible users to apply for loans and receive funds directly to their Opay accounts.
• Savings: Opay provide a savings feature where you can deposit money into a savings account and earn interest.
• E-pin Purchases: you may be able to use the USSD code to buy e-pins for various services, such as exam registration or online subscriptions.
• Balance Inquiries: You can check your Opay account balance using the USSD code to see the available funds in your account.

 

Is Opay USSD Code Safe To Use?

Opay is a legit & registered company licensed by CBN and NDIC to operate as Opay Digital Services Limited under Opay Inc. 

They take various measures to ensure the security of your transactions and personal information

However, while Opay strives to maintain the security of its services, it’s important for users to remain vigilant and practice good security habits. 

By following the guidelines below, you can enhance the safety of your Opay USSD code transactions.

Here are some points to consider:

• Confidentiality: Keep your Opay USSD code PIN and other sensitive information confidential. Do not share it with anyone or store it in an easily accessible manner.
• Verify Transactions: Always review and verify the details of the transaction before confirming it through the USSD code. Ensure the recipient’s information and transaction amount are correct.
• Secure Environment: Use the USSD code in a secure environment, such as a private location where you can maintain privacy and minimize the risk of others observing your activities.
• Beware of Scams: Be cautious of phishing attempts or fraudulent messages asking for your personal information or USSD code details. Opay will never ask you to share your PIN or other sensitive information through unsolicited messages or calls.
• Regularly Check Account Activity: Monitor your Opay account activity regularly to detect any unauthorized transactions or suspicious activities. Report any discrepancies or concerns to Opay’s customer support immediately.
• Keep Software Updated: Ensure your mobile device’s operating system, security software, and Opay app are up to date. Regular updates often include security patches that help protect against known vulnerabilities.

 

How To Use Opay USSD Code for Transfer

To use the Opay USSD code for transfer, follow these steps:

• Dial *955# on your mobile phone’s dialer
• Press the call button to initiate the USSD code service
• A menu will appear on your screen with different options. Select the option for “Transfer” by entering the corresponding number or code assigned to it.
• If prompted, choose whether you want to transfer to an Opay account or to another bank.
• If transferring to an Opay account, select “1” or enter the assigned code.
• If transferring to another bank, select “2” or enter the assigned code.
• Enter the recipient’s account number or Opay phone number, depending on your selection in the previous step.
• Enter the amount you want to transfer.
• Confirm the details you entered to ensure accuracy.
• Enter your Opay PIN to authorize the transaction.
• Once the transaction is processed successfully, you will receive a confirmation message indicating the status of the transfer.

 

How To Use Opay USSD Code for OTP

The Opay USSD code for OTP is specifically used to generate a one-time password that adds an extra layer of security to your Opay transactions. The OTP is typically used for authorizing sensitive actions, such as adding money to your Opay account or performing 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 conveniently recharge your phone or top-up the airtime balance of another phone number. It offers a quick and efficient way to purchase airtime without the need for an internet connection or accessing the Opay app.

To use the Opay USSD code for purchasing airtime, follow these steps:

• Dial 9553*Amount# on your mobile phone’s dialer. Replace “Amount” with the desired value of airtime you want to purchase.
• Press the call button to initiate the USSD code service.
• On the USSD screen, follow the prompts to select the network provider or specify if it’s for your own number.
• Enter the recipient’s phone number if you’re purchasing airtime for someone else or skip this step if it’s for your own number.
• Confirm the amount of airtime you wish to purchase.
• Enter your Opay PIN or any other security credentials requested to authorize the transaction.
• Review the details on the USSD screen to ensure they are accurate.
• Once the transaction is processed successfully, you will receive a confirmation message indicating that the airtime purchase was completed.

 

How To Use Opay USSD Code for Withdrawal

To use the Opay USSD code for withdrawal, follow these steps:

• Dial *955# on your mobile phone’s dialer.
• Press the call button to initiate the USSD code service.
• On the USSD screen, you will be presented with a list of available services, select the “Withdraw” option
• Enter the Opay POS agent’s phone number
• Enter the amount you want to withdraw
• Then, enter your pin to make a withdrawal

…read also:

• 6 Best Ways To Contact Opay Customer Care 
• USSD Code For Loans in Nigeria 2023
• Opay Loan Code For Instant Loans Without Collateral

Conclusion

Opay USSD code has emerged as a convenient and accessible tool for users to perform various financial transactions and access services offered by Opay. 

The USSD code allows customers to engage with Opay’s services even without an internet connection, making it a practical option for individuals who may not have access to smartphones or stable internet connections.

By dialing the *955# USSD code on your mobile phones, Opay users can perform a range of functions such as transferring funds, buying airtime, checking balances, paying bills, and even creating and managing their Opay accounts. 

The USSD code provides a user-friendly interface that guides customers through the transaction process, ensuring a seamless experience.

The availability of the Opay USSD code across multiple mobile networks, including MTN, Airtel, 9Mobile, and Glo, ensures that a wide range of users can benefit from Opay’s services regardless of their network provider.