The primary OPay USSD code is *955#, which gives you access to a wide range of services directly from your phone, even without internet. After dialing *955#, you can navigate the on-screen menu to perform actions, or use shortcut codes for specific tasks. For example, use *955*1# to send money to another OPay user, *955*3*Amount# to recharge your own line, or *955*131# to block your account in case of emergencies.
Popular OPay USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| Access Main Menu | *955# |
| Check Wallet Balance | *955*0# |
| Send Money to Another OPay User | *955*1*Amount*PhoneNumber# |
| Transfer to Bank Account | *955*2*Amount*AccountNumber# |
| Buy Airtime for Yourself | *955*3*Amount# |
| Buy Airtime for Others | *955*3*Amount*PhoneNumber# |
| Purchase Data | *955*4*PhoneNumber# |
| Pay Utility Bills | *955*6# |
| Block Your OPay Account | *955*131# |
| Block Your OPay Card | *955*132# |
These codes make it simple to manage your OPay wallet and perform transactions quickly — no app or internet required. Always ensure you dial from your registered phone number and keep your transaction PIN safe for security.
About Opay
OPay has become one of Nigeria’s most widely used digital finance platforms, offering fast payments, transfers, savings, bill payments, and online banking. While the OPay app is popular, many users still prefer quick transactions using USSD codes — especially in areas with poor internet connection or during network downtime.
In this comprehensive guide, you’ll learn all OPay USSD codes, how to use them, how to activate USSD banking, common issues and fixes, fees, security tips, and everything you need to perform smooth offline transactions.
This is your complete 2026 guide to OPay USSD banking in Nigeria.
What Is OPay USSD?
OPay USSD is a mobile banking service that allows users to perform key financial transactions without the internet by dialing short codes on their phone keypad.
USSD banking is perfect when you:
- Have slow or no data connection
- Need urgent transfers
- Want a quick recharge
- Cannot access the OPay app
- Are using a basic feature phone (non-smartphone)
Using USSD is fast, secure, and works on any SIM card.
Main OPay USSD Code in Nigeria (2026)
The primary OPay USSD code is *955#.
Once you dial this code, you can access OPay’s full USSD menu, including transfers, airtime, withdrawals, betting, and more.
Here are the most used OPay USSD codes:
- *955# — Main OPay USSD code
- *9551amount*phone number# — Buy airtime for yourself
- *9552amount*phone number# — Buy airtime for others
- *955*3# — Send money to OPay or other banks
- *9554phone number# — Check OPay account balance
- *955*5# — Get OTP
- *955*6# — Funding options
- *955*0# — Customer support & help
These codes allow you to perform almost every major action available on the OPay app.
How to Activate OPay USSD Banking
To use OPay USSD, you must:
- Have an active OPay account
- Use the same phone number linked to your OPay account
- Have a strong network signal
- Dial *955# and follow the menu
- Set up your 4-digit USSD PIN (if prompted)
Once activated, you can carry out all USSD transactions anytime.
Full Breakdown of OPay USSD Codes and Their Uses
1. OPay Code for Transfers
To transfer money to any bank:
Dial *955*3#
Select “Transfer”
Choose OPay or other banks
Enter amount and PIN
This works with all Nigerian banks such as GTBank, Zenith, Access, First Bank, UBA, Wema, etc.
2. OPay Code for Airtime
For Self:
Dial *9551amount#
Example: *9551200# to buy ₦200 airtime.
For Others:
Dial *9552amount*phone number#
Example: *9552500*08012345678#
Airtime recharge is instant.
3. OPay Code for Account Balance
Dial *955*4# to view your available OPay balance.
You may be asked to enter your USSD PIN.
4. OPay Code for OTP
Dial *955*5# whenever you need a transaction OTP while using the app or web.
This is helpful when pushing transactions during poor network.
5. OPay Code for Funding Your Wallet
Dial *955*6#
You will see options like:
- Bank transfer
- Card deposit
- Agent deposit
6. OPay Withdrawal Code (at POS Agents)
To withdraw from an OPay agent:
- Visit any OPay POS agent
- Dial *955007agent’s POS phone number*amount#
- Confirm with your PIN
Alternatively, the agent can generate a withdrawal code for you.
7. Code to Block OPay Account
If your phone gets stolen or you suspect fraud:
Dial *955*131#
This immediately freezes your account for safety.
Why OPay USSD Is Popular in Nigeria
OPay USSD became widely adopted because:
- It works without internet
- It is fast and reliable
- It supports all networks (MTN, Airtel, Glo, 9Mobile)
- It is free to dial (normal USSD charges may apply)
- It is secure with PIN protection
- It works even on basic feature phones
Millions of Nigerians use OPay USSD daily for airtime, transfers, and withdrawals.
How to Set or Reset Your OPay USSD PIN
If it’s your first time using USSD:
- Dial *955#
- Choose “Create PIN”
- Enter 4-digit PIN
- Confirm
To reset:
- Dial *955#
- Select “Forgot PIN”
- Confirm with OTP sent to your phone
- Set a new PIN
Always keep your PIN private.
OPay USSD and Transaction Charges
While dialing the USSD code is free, network providers may charge ₦6.98 per session depending on your line.
OPay itself does not charge for:
- Airtime purchase
- Balance check
- Wallet funding via bank transfer
Transfers to other banks may attract small fees (0–20 naira depending on transaction volume).
OPay USSD for Bill Payments
While many bill payments are easier on the app, some are supported via USSD.
You can pay for:
- Electricity (PHCN/DISCO)
- Betting platforms
- Cable TV (DSTV, GOTV, Startimes)
- Education payments
- Data bundles on some networks
To check available bill services:
Dial *955# → Bill Payments
Common OPay USSD Errors and How to Fix Them
1. “Code not working”
This may mean:
- Your SIM is not the same as your OPay registration SIM
- Poor mobile network
- USSD session timeout
- Temporary OPay maintenance
Solution: Switch to the correct SIM, move to a network-strong area, or wait a few minutes.
2. “Insufficient balance”
Make sure your wallet has enough funds before transferring or buying airtime.
3. “Invalid PIN”
Reset your PIN via *955# if you forget.
4. “Service timeout”
Network congestion can interrupt USSD sessions. Simply retry.
5. “Transaction declined”
May happen when:
- Wrong account number was entered
- Daily limit exceeded
- Bank is temporarily down
Retry later or confirm bank details.
How to Use OPay USSD Without the App
If your app is not working or you lost your smartphone:
You can still transfer, withdraw, or get OTP via USSD by dialing *955# from your linked number.
Functions available without app:
- Check balance
- Transfer money
- Airtime recharge
- Withdrawal at POS
- OTP generation
- Blocking account
This makes USSD a reliable backup.
Is OPay USSD Safe?
Yes — OPay USSD is protected by:
- 4-digit PIN
- SIM verification
- Device authentication
- Fraud detection & account freeze code
But you must follow safety rules:
- Never share your PIN
- Do not allow strangers to dial USSD on your phone
- Block account instantly if phone is stolen
- Only use your registered SIM
Benefits of Using OPay USSD
Using USSD gives you:
- Offline access
- Faster transactions
- Zero reliance on the app
- Works during app outages
- Works on any phone
- Useful for emergencies
- Good for rural and low-network locations
This is why millions of Nigerians prefer USSD over mobile apps during peak hours.
Limitations of OPay USSD
Although useful, USSD banking has limitations:
- Some advanced features require the app
- Network providers may charge USSD fees
- Transactions may time out during peak congestion
- Cannot perform complex operations like savings setup, loans, or virtual card management
Still, USSD handles 80% of essential functions.
Frequently Asked Questions (FAQs)
1. What is the main OPay USSD code?
The main USSD code is *955#.
2. Why is my OPay USSD code not working?
You may be using a different SIM or experiencing a network problem. Use your registered number only.
3. How do I check my OPay balance?
Dial *955*4# and enter your PIN.
4. Can I transfer money without the app?
Yes, simply dial *955*3# to transfer to any bank.
5. How do I block my OPay account if my phone is stolen?
Dial *955*131# immediately.
6. Does USSD work on all networks?
Yes — MTN, Airtel, Glo, and 9Mobile.
7. Is USSD free?
Dialing is free, but your network may charge ₦6.98 per session.
Conclusion
OPay USSD codes make offline banking and instant payments easy for millions of Nigerians. With the main code *955#, you can transfer money, recharge airtime, check your balance, generate OTP, and even block your account in emergencies — all without internet access.
Whether you’re in an area with poor network, using a basic phone, or your app isn’t working, OPay USSD is the fastest and most reliable way to manage your finances in 2025.
If you need a secure, efficient, and convenient transaction method, keep these codes saved and always available.
