Opay Ussd Codes In Nigeria: The Ultimate Guide For 2025

Introduction

Opay has become a popular financial service platform in Nigeria, now with the introduction of  USSD banking, it has further proven it wants to make transactions effortless. From transferring funds to recharging airtime, Opay’s USSD codes provide seamless banking experiences without requiring internet access. This guide dives into everything you need to know about Opay USSD codes, how they work, and frequently asked questions.

What is Opay USSD Codes

Opay has introduced USSD code *955# as a fast, convenient way to manage funds and make payments. With Opay’s USSD code, users can perform essential financial tasks even without internet access. This makes Opay a strong choice in Nigeria’s growing fintech market.

You can also read: Union Bank USSD codes

Benefits of Using Opay USSD Codes

Opay’s USSD service offers several benefits, including:

1. Accessibility: Works on any mobile device with GSM support.

2. No Internet Required: Ideal for users in areas with limited internet connectivity.

3. Fast Transactions: Real-time transactions for transfers, recharges, and payments.

4. User-Friendly: Easy to understand with quick prompts and options.

How Opay USSD Code Works

The Opay USSD code, *955#, enables quick banking through a simple dial sequence. Users dial *955# and follow the menu to perform various actions, like checking balances or paying bills.

Requirements for Opay USSD Banking

To use Opay’s USSD code, you’ll need:

1. An Opay account.

2. The mobile number linked to your Opay account.

3. A mobile phone with GSM connectivity.

4. Sufficient funds in your account for certain transactions.

How to Register and Activate Opay USSD Code

Activating Opay’s USSD code is straightforward as long as you have an Opay account, the phone number linked can perform USSD transactions.

Note: Your 6-digit opay login PIN is your transaction PIN so keep it safe.

Opay USSD Code for Checking Account Balance

To check your Opay account balance:

1. Dial *955*0#.

2. Enter your 6-digit Login PIN to verify.

3. All your balances will be displayed on the screen.

Transferring Money Using Opay USSD Code

You can send money to other Opay users or any Nigerian bank account through:

1. To Opay users: Dial *955*1*Amount*Phone Number# and confirm with your PIN.

2. To other banks: Dial *955*2*Amount*Bank Code*Account Number#.

Buying Airtime and Data Using Opay USSD

Recharging airtime or data is easy:

1. Self-recharge: Dial *955*3*Amount# to recharge your line.

2. Third-party recharge: Dial *955*3*Amount*Phone Number# to buy airtime for someone else.

3. Data Purchase: Follow the menu prompts after dialling *955*4*number#.

Paying Bills Using Opay USSD Code

To pay for utilities like electricity, cable, or water:

1. Dial *955# 

2. Choose the type of bill and enter the required details.

3. Confirm payment by entering your PIN.

Sending Money on Opay via USSD

1. To send money to Opay account:

• Dail *955*1*amount*opay account number*

• Confirm the details and proceed with the transfer.

2. To send money to a different bank:

• Dial *955*2*Amount*Bank Code*Account Number#.

• Confirm the details and authorize with your PIN.

Summary Table for Opay USSD Codes

Opay USSD Code Service Charges

Opay’s transaction fees for USSD are typically minimal, they normally charge N10 as a flat rate for most transactions. Only OTP, airtime and Data codes are free 

Check with Opay for updated charges.

Troubleshooting Common Opay USSD Issues

If you experience issues:

1. Confirm you are using the mobile number you registered with Opay.

2. Make sure you have sufficient funds to cover any transaction fees.

3. Contact Opay support if issues persist.

Security Tips for Using Opay USSD Codes

Here are some tips to secure your Opay USSD transactions:

1. Avoid sharing your 6-digit Login PIN with anyone.

2. Always log out and close any USSD session after use.

3. Report any suspicious activities immediately to Opay support.

Advantages of Using Opay Over Traditional Banks

Opay provides several unique benefits over traditional banks:

1. Fewer documents are required to get started.

2. Speed in transactions compared to conventional banks.

3. Fewer failed transactions compared to conventional banks.

4. Flexible Access: USSD access anytime, anywhere.

5. Lower Fees: More affordable rates for transactions and service fees.

6. Efficient Customer Service: Responsive support through the Opay app and agents you don't need to join a queue at any bank.

Frequently Asked Questions on Opay USSD Codes

Can I use Opay USSD without an Opay account?

No, you need an Opay account to access USSD banking.

What should I do if I lose my phone?

Contact Opay customer support to secure your account and prevent unauthorized transactions.

Is there a daily limit for Opay USSD transfers?

Yes, Opay typically caps daily transfers at around N200,000. Confirm with Opay for your specific limits.

Are there charges for using Opay USSD services?

Yes, most USSD transactions have minimal fees, which may vary by transaction.

Can I use Opay USSD outside Nigeria?

Opay USSD works primarily within Nigeria; check with Opay if you’re travelling.

Can I have multiple Opay accounts on one phone number?

No, each Opay account is generally tied to a unique phone number.

Conclusion

Opay’s USSD banking with *955# offers reliable, convenient, and safe transactions for its users in Nigeria. By giving users the freedom to perform essential banking tasks without internet access, Opay provides a valuable tool in Nigeria's fintech space.