Managing your finances is much easier when you can access banking services without an internet connection. OPay offers a USSD banking service that allows eligible customers to carry out essential transactions directly from their mobile phones. Whether you want to transfer money, buy airtime, purchase mobile data, check your account balance, or access other supported services, the OPay USSD platform provides a fast and convenient option.

The official OPay USSD code is *955#. Once activated on the mobile number linked to your OPay account, you can perform many everyday transactions without opening the OPay app or connecting to mobile data.

This guide explains how to use the OPay USSD code for loans, airtime purchases, mobile data subscriptions, money transfers, account management, and more.

What Is the OPay USSD Code?

The official OPay USSD banking code is:

*955#

By dialing *955#, you can access a menu containing several banking services.

Depending on your account status and the services available to you, the menu may include:

• Money transfers
• Airtime purchases
• Mobile data purchases
• Balance enquiries
• Bill payments
• Account management
• Loan-related services (where eligible)

The service works on smartphones and feature phones and does not require an internet connection.

Benefits of Using the OPay USSD Code

Using OPay USSD banking offers several advantages.

• No internet connection required.
• Works on Android phones, iPhones, and feature phones.
• Quick and convenient banking.
• Available from virtually anywhere with network coverage.
• Secure transactions using your transaction PIN.
• Suitable for customers with limited internet access.

Requirements Before Using OPay USSD

Before using the service, ensure that:

• You have an active OPay account.
• Your mobile number is linked to the account.
• You have activated USSD banking if required.
• You have created a transaction PIN.
• Your SIM card has network coverage.

How to Register for OPay USSD Banking

If you’re using the service for the first time:

1. Dial *955# using the phone number linked to your OPay account.
2. Follow the registration prompts.
3. Verify your identity if requested.
4. Create your transaction PIN.
5. Confirm the PIN.
6. Wait for the activation confirmation.

Once registration is complete, you can begin using supported USSD services.

OPay USSD Code for Airtime Purchase

Buying airtime with OPay USSD is simple.

To recharge your own phone:

1. Dial *955#.
2. Select Airtime.
3. Enter the recharge amount.
4. Confirm the transaction using your PIN.

You can also purchase airtime for another phone number by selecting the appropriate option and entering the recipient’s number.

Supported networks include:

• MTN
• Airtel
• Glo
• 9mobile

OPay USSD Code for Data Purchase

OPay also allows eligible users to purchase mobile data through the USSD platform.

To buy data:

1. Dial *955#.
2. Select Data Purchase.
3. Choose your mobile network.
4. Select your preferred data bundle.
5. Enter the recipient’s phone number if purchasing for another user.
6. Confirm payment using your transaction PIN.

The selected data bundle is usually activated shortly after a successful transaction.

OPay USSD Code for Loans

OPay periodically offers eligible customers access to loan services through its financial products and partners. Loan availability depends on factors such as account activity, eligibility checks, and OPay’s current lending programmes.

If a loan option is available on your account:

1. Dial *955#.
2. Select Loans if it appears in the menu.
3. Review any available loan offers.
4. Read the repayment terms carefully.
5. Accept the offer if you wish to proceed.

If you do not see a loan option, it usually means your account is not currently eligible or the feature is unavailable for your profile.

OPay USSD Code for Money Transfer

You can also transfer money directly from your OPay account.

To send money:

1. Dial *955#.
2. Select Transfer.
3. Choose the destination bank or OPay account.
4. Enter the recipient’s account number.
5. Enter the amount.
6. Confirm the beneficiary’s details.
7. Enter your transaction PIN.

Always verify the recipient’s name before confirming the transfer.

OPay USSD Code to Check Your Balance

To check your available balance:

1. Dial *955#.
2. Select Balance Enquiry.
3. Enter your transaction PIN if prompted.

Your account balance will be displayed on your screen or sent via SMS, depending on the service.

Common Problems and Solutions

USSD Code Not Working

Possible reasons include:

• Poor network coverage.
• Incorrect registered phone number.
• Temporary service interruption.
• Ongoing maintenance.

Transaction Failed

If a transaction fails:

• Confirm you have sufficient funds.
• Check your network signal.
• Retry after a few minutes.
• Contact OPay support if the issue persists.

Incorrect PIN

Entering the wrong PIN repeatedly may temporarily restrict access to USSD banking.

If you forget your PIN, follow the available recovery process through OPay support.

Security Tips

To keep your account safe:

• Never disclose your transaction PIN.
• Do not share OTPs with anyone.
• Verify recipient details before sending money.
• Report suspicious transactions immediately.
• Lock or secure your phone with a password or biometric authentication.

Frequently Asked Questions

What is the OPay USSD code?

The official OPay USSD code is *955#.

Can I buy airtime using OPay USSD?

Yes. You can recharge your own number or another person’s phone directly through the USSD menu.

Can I buy mobile data without internet?

Yes. The USSD platform works without mobile data or Wi-Fi.

Can I get an OPay loan using USSD?

Eligible customers may see a Loans option after dialing *955#. Loan availability depends on eligibility and OPay’s current lending services.

Does OPay USSD work on feature phones?

Yes. OPay USSD banking supports both smartphones and basic feature phones.

The OPay USSD code provides a convenient way to carry out everyday financial transactions without relying on an internet connection. Whether you need to recharge airtime, buy data, transfer money, check your balance, or access available loan services, *955# offers a quick and secure banking option for eligible OPay customers.

Complete List of OPay USSD Codes

Besides the main *955# menu, OPay provides shortcut USSD codes that make common transactions even faster.

These shortcuts are designed to reduce the number of menu steps needed for common transactions. Some services may vary slightly depending on your account type or future platform updates.

OPay USSD Code to Lock Your Account

If your phone is stolen or you believe someone has gained access to your OPay account, you should lock the account immediately.

Dial:

*955*131#

This emergency security code allows you to lock your account quickly, even if you do not have access to the OPay app.

OPay USSD Code to Block Your Debit Card

If your OPay debit card is lost or stolen, you can disable it immediately.

Dial:

*955*132#

Blocking the card prevents unauthorised ATM withdrawals, POS transactions, and online card payments until you request a replacement.

OPay USSD Transaction Limits

Your transaction limit depends on factors such as:

• Your account verification level.
• Regulatory requirements.
• OPay’s current transaction policies.

If you need higher limits, complete the required account verification through the OPay app and keep your KYC information up to date.

Charges for Using OPay USSD

Using the OPay USSD service may involve:

• Standard USSD session charges from your mobile network.
• Applicable transfer fees where relevant.
• Charges for selected bill payments.

Before authorizing a transaction, review the amount displayed on your screen so you understand any applicable fees.

Frequently Asked Questions

What is the official OPay USSD code?

The official OPay USSD code is *955#.

Can I buy airtime without internet?

Yes. You can purchase airtime using *955# or the airtime shortcut code without using mobile data.

Can I buy data through OPay USSD?

Yes. Eligible users can purchase mobile data through the *955# menu or the available data shortcut, depending on the service available for their account.

Can I lock my OPay account if my phone is stolen?

Yes. Dial *955*131# immediately to lock your account.

Can I block my OPay card using USSD?

Yes. Dial *955*132# to lock your OPay debit card.

Can I get an OPay loan using USSD?

Loan services may be available to eligible customers through the *955# menu. Availability depends on your account status, eligibility, and OPay’s current lending offerings. If no loan option appears, it means the feature is not currently available for your account.

Whether you need to send money, recharge airtime, purchase data, check your balance, or secure your account during an emergency, the OPay USSD service offers a convenient way to manage your finances without an internet connection. By using the correct USSD codes and keeping your transaction PIN confidential, you can complete everyday banking tasks quickly and securely from almost any mobile phone.

Also Read:

• Zenith Bank USSD Code (*966#): Transfer Money, Check Balance & More
• FCMB USSD Code *329#: Transfer Money, Buy Airtime, Check Balance
• UBA USSD Code (*919#): Transfer Money, Check Balance, Buy Airtime
• Moniepoint USSD Code (5573#): Transfer Money, Buy Data & More