How to Use OPay USSD Code *955#: Transfer, Airtime & More

You do not always need the OPay app or mobile data to access your OPay account.

If you have an OPay account and the phone number linked to it, you can use OPay’s USSD service to access supported financial services directly from your phone’s dialer.

The main OPay USSD code is *955#. OPay’s official website also confirms that USSD can be used for important account-security actions, including locking an account or card when a phone or card is lost.

This guide explains how to use OPay USSD, what you can do with it, and what to check when the service does not work.

What Is the OPay USSD Code?

The main OPay USSD code is:

*955#

USSD, or Unstructured Supplementary Service Data, allows your phone to communicate with a financial service through a short code.

Unlike an internet-based app, a USSD session does not require you to open the OPay app or have mobile data.

When you dial *955#, OPay presents a menu from which you can select the service you need.

For the most reliable experience, using the main *955# menu is preferable to relying on old lists of direct shortcuts because individual USSD options and shortcut formats can change.

What Can You Do With OPay USSD?

Depending on the services currently available to your account, the OPay USSD menu can provide access to functions such as:

Money transfers
Balance checking
Airtime purchases
Data purchases
Bill payments
Other account services
Security features

OPay’s official website confirms that its platform supports transfers and bill payments, while its USSD service also provides account and card security options.

What You Need Before Using OPay USSD

Before dialing the code, make sure:

You have an active OPay account.
You are using the phone number linked to your OPay account.
Your SIM has cellular network coverage.
You know your OPay transaction PIN.
You have enough network access for a USSD session.

You do not need to install the OPay app every time you want to use USSD.

How to Use OPay USSD

Using OPay USSD is straightforward.

Step 1: Open Your Phone Dialer

Open the normal phone application you use for making calls.

Step 2: Dial *955#

Enter:

*955#

Then press the call button.

If you have multiple SIM cards, make sure you select the SIM whose phone number is connected to your OPay account.

Step 3: Select the Service You Need

A menu should appear with the available OPay services.

Choose the option corresponding to what you want to do.

For example, if you want to send money, select the transfer option.

Step 4: Enter the Required Details

The information requested depends on the transaction.

For a transfer, you may need to provide the recipient’s account or phone details, destination bank where applicable, and the amount.

Step 5: Confirm the Transaction

Carefully check the details displayed before approving the transaction.

If the recipient’s name is displayed, make sure it matches the person you intend to pay.

Step 6: Enter Your PIN

Enter your OPay transaction PIN when prompted.

Never give this PIN to another person, including someone claiming to be an OPay employee.

How to Transfer Money With OPay USSD

One of the main reasons people use OPay USSD is to send money when they cannot access the app.

To transfer money:

Dial *955#.
Select Transfer.
Choose the appropriate transfer option.
Enter the recipient’s details.
Enter the amount.
Check the recipient information carefully.
Confirm the transaction with your OPay PIN.

OPay’s USSD transfer service has been documented as supporting transfers to both OPay accounts and other Nigerian bank accounts.

Should You Use a Direct OPay Transfer Shortcut?

You may find websites publishing shortcuts such as *955*1*amount*account number# or *955*2*amount*account number#.

These shortcuts have been widely published, but online lists do not always agree on the exact format or purpose of every sub-code.

For that reason, the safer method is to dial *955# and follow the menu displayed on your phone. This reduces the risk of using an outdated shortcut.

How to Check Your OPay Balance With USSD

You can also use USSD when you want to know how much money is available in your OPay account.

The safest method is:

Dial *955#.
Select the option for checking your balance.
Follow the instructions displayed.
Enter your PIN if requested.

Some online guides currently list *955*0# as a balance-check shortcut, but because published shortcut lists are inconsistent, using the main *955# menu is a better approach if the direct code does not work.

How to Buy Airtime With OPay USSD

You can use your OPay balance to purchase airtime through the USSD menu.

To do this:

Dial *955#.
Select Airtime.
Choose whether you are buying airtime for yourself or another person.
Enter the required phone number if buying for someone else.
Enter the amount.
Confirm the details.
Enter your OPay PIN.

The exact menu wording may change, so follow the options displayed during your session.

How to Buy Data With OPay USSD

OPay also provides data-related services through its USSD platform.

A general process is:

Dial *955#.
Select the Data option.
Choose the relevant network.
Select the available data plan.
Enter or confirm the phone number.
Confirm the purchase with your PIN.

If the menu on your phone looks different, follow the current options displayed instead of relying on an old shortcut published elsewhere.

How to Pay Bills With OPay USSD

OPay supports bill payments as part of its financial services.

Where the bill-payment option is available through your USSD menu:

Dial *955#.
Select Bills or the relevant payment option.
Choose the type of bill you want to pay.
Enter the required customer or meter details.
Enter the payment amount where required.
Review the information.
Confirm with your OPay PIN.

Always check the information carefully before confirming a bill payment because an incorrect customer or meter number can cause problems with the transaction.

Can You Use OPay USSD Without Internet?

Yes.

The main purpose of a USSD service is to provide access through your mobile network without requiring an internet connection.

This makes *955# useful when:

Your mobile data has finished.
The OPay app is not loading.
Your internet connection is poor.
You are using a basic phone.
You need to perform a supported transaction quickly.

However, USSD still depends on your mobile network. No internet connection is required, but you need a functioning cellular connection to establish the USSD session.

Can You Use OPay USSD on a Basic Phone?

Yes, USSD is designed to work through a normal phone dialer, so you do not necessarily need a smartphone.

The important requirement is that the phone number being used is connected to your OPay account and that the network can establish the USSD session.

This is one of the reasons USSD remains useful for people who do not always use smartphone banking applications.

How to Use OPay USSD When You Lose Your Phone

Security is one area where OPay’s USSD service can be particularly useful.

OPay’s official website states that customers can quickly lock their account using *955*131# and lock their card using *955*132# if their phone or card is stolen or misplaced.

If your phone is lost, act quickly and use OPay’s official support channels if you cannot complete the security action yourself.

Do not share your PIN or OTP with anyone claiming to be helping you recover the account.

What If OPay USSD Is Not Working?

There are several possible reasons an OPay USSD session may fail.

1. Poor Network Coverage

USSD requires a mobile network connection. If your network is unstable, the session may fail or time out.

Try again when the signal improves.

2. You Are Using the Wrong SIM

If the phone contains two SIM cards, check that you are dialing *955# from the number connected to your OPay account.

3. The USSD Session Timed Out

USSD sessions can close if you take too long to respond.

Simply dial the code again and complete the process more quickly.

4. You Are Using an Outdated Shortcut

A direct code you found on an old website may no longer work as expected.

Instead of repeatedly trying different shortcuts, dial *955# and use the current menu.

5. Temporary Service Problems

Sometimes the problem may be on the service or network side rather than your phone.

If the problem continues, contact OPay through its official customer-service channels.

OPay currently lists customer support numbers 0700 8888 328 / 020 18888 328 for app and card queries and 0700 8888 329 / 020 18888 329 for POS business queries.

Is OPay USSD Safe?

USSD can be used securely, but you still need to protect your account details.

Follow these basic precautions:

Never tell anyone your transaction PIN.
Never disclose an OTP to another person.
Confirm the recipient before approving a transfer.
Avoid performing transactions while someone is watching your PIN entry.
Do not trust random phone numbers claiming to be OPay support.
Use OPay’s official support channels when you need assistance.

OPay says it uses security measures including encryption and fraud protection, and its official site provides USSD options for locking accounts and cards.

OPay USSD vs OPay App

Both methods can give you access to OPay services, but they are useful in different situations.

Feature	OPay USSD	OPay App
Internet required	No	Yes
Smartphone required	No	Yes
Main access method	Phone dialer	Mobile application
Useful with no data	Yes	No
Visual transaction history	Limited	More convenient
Suitable for quick transactions	Yes	Yes
Account management	Depends on available menu	More extensive

If your internet is unavailable, USSD can be the more practical option. When you have internet access, the app provides a richer interface for managing your OPay account.

Important Things to Remember About OPay USSD

The most important points are simple:

Main OPay USSD code: *955#
Use the phone number linked to your OPay account.
Follow the menu displayed after dialing the code.
Check transaction details before confirming.
Keep your PIN and OTP private.
Do not assume every direct shortcut found online is still current.
For lost-phone emergencies, OPay officially lists *955*131# for locking an account and *955*132# for locking a card.

Frequently Asked Questions

What is the OPay USSD code?

The main OPay USSD code is *955#. It opens the OPay USSD menu for accessing available services without using the OPay app or mobile data.

Can I transfer money from OPay without internet?

Yes. You can use OPay’s USSD service by dialing *955# and selecting the transfer option, provided the service is available to your account and your mobile network is working.

What is the OPay code for checking balance?

The recommended method is to dial *955# and select the balance option from the menu. Some websites list *955*0# as a direct shortcut, but using the main menu is preferable if a shortcut does not work.

Can I use OPay USSD on MTN, Airtel, Glo or 9mobile?

OPay USSD has been reported as working through major Nigerian mobile networks, but the actual availability of a USSD session can depend on network conditions. If the code fails on one network, check your signal and try again later.

What should I do if my OPay USSD code is not working?

First, check your network connection and make sure you are dialing from the phone number linked to your OPay account. Then try *955# instead of an old direct shortcut. If the problem continues, contact OPay through its official support channels.

Conclusion

OPay USSD gives customers another way to access their accounts without depending on mobile data or the OPay application.

The main code to remember is *955#. From there, you can follow the menu to access supported services such as transfers, balance checks, airtime, data and bill payments.

For the best experience, use the current menu rather than relying entirely on direct shortcuts copied from older websites. And whenever a transaction involves your money, carefully verify the details before entering your PIN.