You do not always need the OPay app or an internet connection to find out how much money is in your OPay account.
For users who have limited data, a poor internet connection or a phone without the OPay app, USSD provides another way to access the service.
The commonly used OPay USSD balance code is 9550#. You can dial it from the phone number linked to your OPay account to check your balance.
OPay’s main USSD service is *955#, which provides access to its USSD menu.
Read also: OPay USSD Airtime Code: How to Buy Airtime Without Internet
What Is the OPay USSD Balance Code?
The OPay balance-check shortcut commonly used in Nigeria is:
*955*0#
It is designed to let OPay customers check their account balance through USSD instead of opening the mobile application.
If you prefer to use the main USSD menu, you can also dial:
*955#
and follow the available options.
Several current Nigerian guides identify *955*0# as the direct balance-check code, while OPay’s official website confirms *955# as its USSD service.
How to Check Your OPay Balance With USSD
Follow these steps:
- Open the dialer on your mobile phone.
- Dial
*955*0#. - Send the USSD request.
- Follow any instruction displayed on your screen.
- Enter your OPay transaction PIN if requested.
- Your available balance should be displayed or returned through the USSD session.
Make sure you are using the phone number registered with your OPay account. OPay’s USSD service is tied to your account and registered mobile number.
What If 9550# Does Not Work?
USSD sessions can sometimes fail because of network problems, temporary service interruptions or issues with the mobile line.
If *955*0# does not work, try the main OPay USSD code:
*955#
The main menu allows you to access OPay’s available USSD services without relying on a particular shortcut.
You can also try the following:
- Check that you are using the SIM linked to your OPay account.
- Make sure your phone has network coverage.
- Wait a few minutes and try again.
- Restart your phone if the USSD service continues to fail.
- Use the OPay app if you have an internet connection.
- Contact OPay customer support if the problem persists.
OPay provides 24/7 customer support and lists 0700 8888 328 and 020 18888 328 for app and card enquiries on its official website.
Can I Check My OPay Balance Without Internet?
Yes.
USSD is designed to work through your mobile network rather than your phone’s internet connection.
This means you can check your OPay balance even when:
- Your mobile data has finished.
- Your internet connection is poor.
- The OPay app is unavailable to you.
- You are using a basic phone.
You still need an active mobile network connection because USSD requests are sent through your telecom network.
OPay identifies *955# as its USSD service for carrying out transactions without depending on the app.
Which SIM Can I Use for OPay USSD?
The safest option is to dial the USSD code from the mobile number registered to your OPay account.
OPay’s USSD service is associated with the customer’s registered phone number. Using another person’s SIM will not give you access to your own OPay account.
If you recently changed your phone but kept the same registered SIM, you can generally continue using the USSD service from that number.
Is There a Difference Between *955# and 9550#?
Yes.
*955# is the main OPay USSD code. It opens the broader USSD service menu.
*955*0# is used as a direct shortcut for checking your balance.
Think of it this way:
| USSD code | Purpose |
|---|---|
*955# |
Opens the main OPay USSD menu |
*955*0# |
Checks OPay account balance |
Because USSD menus and shortcuts can change, using *955# is a useful fallback if a direct shortcut does not work. Current third-party references continue to list *955*0# for balance checks.
What Information Can You Access Through OPay USSD?
OPay’s USSD service is not limited to balance enquiries.
Depending on the options currently available on your account, *955# can be used for services such as:
- Money transfers
- Airtime purchases
- Data purchases
- Bill payments
- Account security functions
OPay’s official website also provides emergency USSD codes for locking an account or card if a phone or card is lost or stolen.
However, you do not need to memorize every OPay USSD shortcut. The main *955# menu is the safer starting point when you are unsure about a particular code.
Is OPay USSD Safe to Use?
USSD can be convenient, but you should treat your transaction PIN as confidential.
Never give your OPay PIN to:
- Friends
- Agents
- Strangers
- People claiming to be OPay representatives
- Anyone who asks for it over a phone call or message
OPay warns customers against sharing confidential account and card information and provides USSD options for locking an account or card when a phone or card is lost.
If your phone is lost or stolen, OPay currently lists:
Account lock: *955*131#
Card lock: *955*132#
These security shortcuts are published on OPay’s official website.
OPay USSD Balance Code at a Glance
| Information | Details |
|---|---|
| OPay main USSD code | *955# |
| OPay balance shortcut | *955*0# |
| Internet required? | No |
| Recommended phone number | Number registered with your OPay account |
| Alternative method | OPay mobile app |
| Account lock code | *955*131# |
| Card lock code | *955*132# |
Why Use USSD Instead of the OPay App?
The OPay app gives you more information and features, but USSD has one major advantage: simplicity when you do not have internet access.
For a quick balance check, you may not want to wait for an app to load, especially when your data connection is poor.
USSD can be particularly useful when:
- You have no data.
- Your smartphone battery is low.
- The OPay app is not opening.
- Your internet connection is unstable.
- You only need to confirm your balance.
For more detailed account information and transaction history, however, the OPay app may be more convenient.
Frequently Asked Questions
What is the OPay USSD balance code?
The commonly used OPay balance-check shortcut is *955*0#. You can also dial *955# to access the main OPay USSD menu.
Can I check my OPay balance without data?
Yes. OPay’s USSD service works without mobile internet. You only need an active mobile network connection and should use the phone number registered with your OPay account.
Why is my OPay balance code not working?
The USSD session may fail because of network problems, a temporary service interruption or an issue with the registered mobile line. Try *955#, confirm that you are using your registered SIM and try again later.
Do I need the OPay app to check my balance?
No. You can use OPay’s USSD service instead. The main code is *955#, while *955*0# is commonly used as the direct balance-check shortcut.
Is there another way to check my OPay balance?
Yes. If you have internet access, you can open the OPay app and view your account balance there. USSD is particularly useful when you do not have internet access.
Conclusion
The OPay USSD balance code is *955*0#, giving customers a quick way to check their balance without opening the OPay app or using mobile data.
If the direct shortcut fails, dial *955# to access the main OPay USSD menu and follow the available options.
For security, always use the SIM connected to your OPay account and keep your transaction PIN private. Since USSD shortcuts can be updated, the main *955# menu is also a useful fallback when you are unsure whether a particular shortcut is still active.