Your internet connection does not have to be available before you can access some OPay services.
For Nigerian users who need to make a quick transaction with a basic phone or when mobile data is unavailable, OPay provides a USSD service. The main OPay USSD code is *955#.
By dialing this code from the phone number linked to your OPay account, you can access available USSD services and follow the prompts on your screen.
OPay’s official website also confirms that the service supports financial transactions and provides dedicated USSD codes for important security actions, such as locking an account or card.
Read also: OPay Customer Care Number: Official Phone Numbers, WhatsApp and Support Channels
What Is the OPay USSD Code?
The main OPay USSD code in Nigeria is:
*955#
USSD means Unstructured Supplementary Service Data. It allows you to interact with a financial service through your mobile network using short codes rather than an internet connection.
When you dial *955#, OPay opens its USSD menu, where you can select the transaction you want to perform.
This can be useful when:
- You have no mobile data.
- Your smartphone is unavailable.
- The OPay app is not opening.
- You are using a basic phone.
- You need to perform a quick transaction through your registered phone number.
Complete OPay USSD Codes
Here are some commonly used OPay USSD shortcuts:
| Transaction | OPay USSD Code |
|---|---|
| Main USSD menu | *955# |
| Check balance | *955*0# |
| Transfer to OPay account | *955*1*Amount*Account Number# |
| Transfer to another bank | *955*2*Amount*Account Number# |
| Buy airtime for yourself | *955*3*Amount# |
| Buy airtime for another number | *955*3*Amount*Phone Number# |
| Buy data | *955*4*Phone Number# |
| Pay electricity bill | *955*6# |
| Lock account if phone is lost | *955*131# |
| Lock OPay card | *955*132# |
OPay’s official website confirms the security codes *955*131# for locking an account and *955*132# for locking a card.
Because USSD menus and shortcuts can change, *955# is the safest starting point when you are unsure of a specific shortcut.
How to Use the OPay USSD Code
Using OPay USSD is straightforward.
Step 1: Open your phone dialer
Go to the normal calling app on your phone.
Step 2: Dial *955#
Enter:
*955#
Then press the call button.
Step 3: Select your transaction
The OPay USSD menu will display available options.
Select the service you need and follow the instructions displayed on your phone.
Step 4: Confirm the transaction
Depending on the transaction, you may need to provide details such as the recipient’s account number, amount or phone number.
You will also be required to authorize transactions using your OPay security credentials.
Always check the recipient and amount carefully before confirming.
OPay USSD Code for Transfer
If you want to send money from your OPay account, you can start by dialing:
*955#
Then select the transfer option and follow the prompts.
For supported quick transfers to another OPay account, the commonly listed shortcut is:
*955*1*Amount*Account Number#
For example, if you wanted to transfer ₦5,000 using the quick format, the structure would be:
*955*1*5000*AccountNumber#
Replace AccountNumber with the recipient’s correct OPay account number.
For transfers to another Nigerian bank, the commonly listed shortcut is:
*955*2*Amount*Account Number#
Because money transfers are sensitive, verify the recipient’s details before entering your PIN.
How to Check OPay Account Balance With USSD
You can check your OPay balance using:
*955*0#
Dial the code from the phone number connected to your OPay account and follow the instructions displayed.
If the shortcut does not work, you can also dial the main *955# menu and look for the balance option.
OPay USSD Code for Airtime
You can purchase airtime from your OPay balance without opening the app.
For airtime on your registered number, the commonly listed shortcut is:
*955*3*Amount#
For example:
*955*3*500#
This represents a ₦500 airtime purchase.
You can also buy airtime for another phone number using:
*955*3*Amount*Phone Number#
For example:
*955*3*500*08012345678#
Check the phone number carefully before confirming the purchase.
OPay USSD Code for Data
To purchase data through OPay USSD, you can start with:
*955#
Select the data option and follow the prompts to choose the network, phone number and available data plan.
A commonly listed shortcut is:
*955*4*Phone Number#
The recipient’s number is included so you can purchase a data bundle for yourself or another person.
OPay USSD Code for Electricity Bills
OPay also supports bill payments through its USSD service.
The commonly listed shortcut for electricity payments is:
*955*6#
After dialing the code, follow the menu prompts to select your electricity provider and provide the required payment details.
Depending on the bill payment process, you may need information such as your meter or customer number.
Always confirm the details before authorizing payment.
How to Lock Your OPay Account With USSD
This is one of the most useful OPay USSD features in an emergency.
If your phone is lost or stolen, OPay says you can lock your account by dialing:
*955*131#
If your OPay card is lost or stolen, use:
*955*132#
OPay specifically recommends using these codes to protect your account or card and contacting customer service afterward.
For additional assistance, OPay lists its customer service numbers as 0700 8888 328 and 020 18888 328 for app and card queries.
Can You Use OPay USSD Without Internet?
Yes.
USSD is designed to operate through your mobile network rather than requiring mobile data.
That means you can use the OPay USSD service when your internet connection is unavailable, provided the USSD service and your mobile network are working.
You still need access to the phone number associated with your OPay account for account-related transactions.
Which Networks Can Use OPay USSD?
OPay USSD is designed for mobile users in Nigeria, and current guides report availability across major Nigerian networks, including:
- MTN
- Airtel
- Glo
- 9mobile
However, USSD performance depends partly on the mobile network and local network conditions.
If *955# does not respond, wait a moment and try again. Persistent problems may be caused by network congestion, an account issue or a temporary OPay service problem.
What Do You Need Before Using OPay USSD?
Before attempting a transaction, make sure you have:
- An active OPay account.
- Access to the phone number registered with your OPay account.
- A working mobile network connection.
- Enough money in your OPay balance for the transaction.
- Your correct transaction PIN where required.
You should also avoid sharing your PIN or other confidential security information with anyone.
Why Is My OPay USSD Code Not Working?
There are several reasons why *955# might fail.
Poor network connection
USSD depends on your mobile network. A weak or congested network can cause the session to fail.
Temporary OPay service problems
The issue may be on OPay’s side rather than your phone.
Wrong SIM
If you are trying to access your OPay account from a number that is not linked to it, you may not be able to complete account-related transactions.
Incorrect USSD format
A missing * or #, or entering the wrong information, can cause a shortcut to fail.
Insufficient balance
A transaction cannot be completed if your OPay balance does not cover the amount required.
What to Try
If OPay USSD is not working:
- Check your network signal.
- Confirm you are using the registered phone number.
- Try *955# instead of a shortcut.
- Wait a few minutes and try again.
- Check your OPay app if you have internet access.
- Contact OPay customer support if the problem continues.
Is OPay USSD Safe?
OPay’s USSD service is an official channel for accessing OPay services.
However, the security of your account also depends on how you use it.
Never give another person:
- Your transaction PIN
- OTP
- Card PIN
- Password
- Other confidential account information
If someone calls or sends a message asking you to provide these details to “protect” your OPay account, treat the request with caution.
OPay’s security guidance warns users against sharing confidential information and recommends contacting the company through its official support channels when in doubt.
OPay USSD vs OPay App
Both methods allow you to access OPay services, but they are useful in different situations.
| Feature | OPay USSD | OPay App |
|---|---|---|
| Internet required | No mobile data required | Yes |
| Smartphone required | No | Yes |
| Main access | *955# | OPay mobile app |
| Good for quick transactions | Yes | Yes |
| Detailed account interface | Limited | Yes |
| Transaction information | Basic USSD prompts | More detailed interface |
If you have a smartphone and stable internet, the app provides a broader interface. If you need a quick transaction without internet, USSD can be more convenient.
Important Things to Remember About OPay USSD
The most important code to remember is:
*955#
From there, you can access the available OPay USSD menu.
For emergencies, remember these two security codes:
*955*131# — Lock your OPay account.
*955*132# — Lock your OPay card.
OPay itself confirms these two security shortcuts on its official website.
Frequently Asked Questions
What is the OPay USSD code?
The main OPay USSD code is *955#. It opens the OPay USSD menu for supported transactions and services.
Can I use OPay USSD without data?
Yes. USSD works through your mobile network and does not require mobile internet data.
What is the OPay code for checking balance?
The commonly listed shortcut for checking your OPay balance is *955*0#. You can also dial *955# and follow the menu.
What is the OPay code for transferring money?
For supported quick transfers, the code is *955*1*Amount*Account Number# for an OPay account and *955*2*Amount*Account Number# for transfers to another bank. You can also use the main *955# menu.
How do I block my OPay account if my phone is stolen?
Dial *955*131# to lock your OPay account. OPay also recommends contacting its customer support after taking this step.
Conclusion
The OPay USSD code is *955#, giving users a way to access OPay services without relying on mobile internet.
Depending on the service available on your account, you can use OPay USSD for transfers, balance checks, airtime, data and bill payments. There are also dedicated security shortcuts for locking an account or card in an emergency.
If you do not remember a specific shortcut, simply start with *955# and follow the instructions displayed on your phone.
For security, always confirm transaction details before entering your PIN and never disclose your PIN or OTP to another person.