Need to send money from your OPay account but your internet connection is unavailable?

You can use OPay’s USSD service instead of opening the mobile app. The main OPay USSD code is *955#, which gives registered users access to transfers and other services directly from their mobile phone. OPay itself has also promoted *955# as its USSD code and says it can be used to access its services.

For users who want a faster route, commonly published OPay shortcuts include codes for sending money to another OPay account and transferring to a bank account.

Here is how the OPay USSD transfer process works.

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

What Is the OPay USSD Transfer Code?

The main OPay USSD code is:

*955#

After dialling it from the phone number linked to your OPay account, you can access the available transaction menu and select Transfer.

For direct transfer shortcuts, widely reported formats are:

• Transfer to an OPay account: *955*1*Amount*Account Number#
• Transfer to another bank: *955*2*Amount*Account Number#

For example, a commonly published format for sending ₦5,000 to an OPay account would be:

*955*1*5000*AccountNumber#

For a bank transfer:

*955*2*5000*AccountNumber#

However, OPay’s current official public website confirms *955# as the main USSD entry point, rather than publishing a complete list of direct transaction shortcuts. Because USSD menus and shortcuts can change, the safest option is to dial *955# and follow the displayed Transfer menu if a direct shortcut does not work.

How to Transfer Money from OPay Using USSD

You do not need mobile data to start an OPay USSD transaction.

Follow these steps:

1. Open the phone dialer on the mobile number linked to your OPay account.
2. Dial *955#.
3. Select Transfer from the available options.
4. Choose the type of transfer you want to make.
5. For a bank transfer, select the recipient’s bank.
6. Enter the recipient’s account number.
7. Enter the amount you want to send.
8. Carefully check the recipient’s details shown on the screen.
9. Enter your OPay transaction PIN to authorise the transfer.
10. Wait for the transaction response before closing the USSD session.

The menu-based method is useful if you are not sure which direct shortcut applies to your account.

OPay USSD Code to Transfer to Another OPay Account

If the recipient also uses OPay, you can transfer money through the OPay USSD service.

The commonly reported shortcut is:

*955*1*Amount*AccountNumber#

For example:

*955*1*3000*08012345678#

The exact recipient identifier requested by the current USSD menu should be followed. Some published guides describe the OPay account identifier as the recipient’s registered phone number, while others refer to an account number.

If you want to avoid using a shortcut, dial:

*955# → Transfer → OPay

Then follow the instructions displayed on your phone.

OPay USSD Code to Transfer to a Bank Account

You can also use OPay’s USSD service to send money to an account at another Nigerian bank.

The commonly reported shortcut is:

*955*2*Amount*AccountNumber#

For example, if you want to initiate a ₦10,000 bank transfer, the format would be:

*955*2*10000*AccountNumber#

You will normally need to select the recipient’s bank and confirm the recipient information before authorising the transaction.

If the shortcut does not work, use the main menu:

Dial *955# → Transfer → Bank Transfer

The menu method is preferable when OPay changes its USSD options or when a particular shortcut is unavailable.

Do You Need Internet to Use OPay USSD?

No.

USSD transactions are designed to work through your mobile network rather than your internet connection.

This means you can still attempt an OPay transfer when:

• Your mobile data has finished.
• Your OPay app is not loading.
• Your internet connection is poor.
• You are using a basic phone.
• You cannot access the OPay app at the moment.

You still need a functioning mobile network because USSD sessions depend on your telecom network.

Which Phone Number Should You Use for OPay USSD?

Use the phone number registered with your OPay account.

USSD banking services are linked to the customer’s registered phone number. If you dial the service from an unrelated number, you may not be able to access the account or complete the transaction.

If you recently changed the phone number connected to your OPay account and the USSD service is not working, contact OPay through its official customer service channels for assistance.

What Information Do You Need for an OPay USSD Transfer?

The exact information requested can depend on the type of transfer.

For an OPay-to-OPay transaction, you may need the recipient’s OPay-linked number or account details.

For a bank transfer, you should have:

• Recipient’s bank name
• Recipient’s account number
• Amount to send
• Your OPay transaction PIN

Always verify the recipient’s name before entering your PIN.

A wrong account number can result in money being sent to the wrong recipient, so do not rush through the confirmation screen.

Is OPay USSD Transfer Safe?

OPay’s USSD service includes transaction authentication, and you should protect the PIN used to authorise transactions.

The most important security rule is simple:

Never give your OPay transaction PIN to another person.

Do not disclose it to someone claiming to be:

• An OPay employee
• A customer care agent
• A POS agent
• A bank representative
• A friend or family member

If you believe someone has gained access to your account or phone, contact OPay immediately.

OPay also provides USSD options for blocking an account or card in certain emergency situations. Its official website currently lists *955*131# for locking an account and *955*132# for locking a card.

What Should You Do If the OPay USSD Code Is Not Working?

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

1. Check your network signal

USSD requires a working mobile network. If the signal is weak, wait a few minutes and try again.

2. Use the main code

Instead of relying on a direct shortcut, dial:

*955#

Then select Transfer from the menu.

This is especially useful if a shortcut you found online no longer works.

3. Confirm the registered phone number

Make sure you are dialling from the number connected to your OPay account.

4. Check your account balance

Make sure you have enough money available for the transaction and any applicable charges.

5. Avoid repeated transfers when the first transaction is pending

If money has already been deducted or the transaction status is unclear, do not immediately send the same amount again.

Check your transaction history or contact OPay support first.

What If Money Is Deducted but the Recipient Does Not Receive It?

Do not immediately repeat the transfer.

First, check the transaction status and your OPay transaction history.

If the transaction is unsuccessful, pending or otherwise unresolved, contact OPay customer support with the relevant transaction details.

OPay’s official website lists its customer service numbers as 0700 8888 328 / 020 18888 328 for app and card queries and 0700 8888 329 / 020 18888 329 for POS business queries.

Keep any transaction reference, amount, date and recipient information available when making a complaint.

OPay USSD Transfer Code 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	Yes
Smartphone required	No	Yes
Works through mobile network	Yes	Yes
Transfer money	Yes	Yes
Suitable when data is unavailable	Yes	No
Interface	Text-based menu	App interface

If your internet is working normally, the app may provide a more detailed experience. But when you have no data or your app is unavailable, *955# provides an alternative route.

Does OPay USSD Work on MTN, Airtel, Glo and 9mobile?

OPay’s USSD service is intended to be accessed through Nigerian mobile networks.

The important requirement is that you use the mobile number associated with your OPay account and that your network can establish a USSD session.

If a session fails on one network, it does not necessarily mean that your OPay account is blocked. Temporary network or USSD service problems can also cause failures.

Can You Transfer Money from OPay Without the App?

Yes.

You can use OPay’s USSD service instead of the mobile application.

Start by dialling:

*955#

Then choose Transfer and follow the instructions displayed on your phone.

This makes USSD particularly useful when your smartphone is unavailable or you do not have internet access.

Important Things to Check Before Confirming an OPay Transfer

Before entering your PIN, take a few seconds to check the transaction details.

Confirm:

• Recipient’s name
• Recipient’s account number or registered number
• Bank name, where applicable
• Transfer amount
• Any displayed transaction charge

If everything is correct, authorise the transaction with your PIN.

This simple check can help prevent mistakes caused by entering the wrong account number.

Frequently Asked Questions

What is the OPay USSD transfer code?

The main OPay USSD code is *955#. Dial it from the phone number linked to your OPay account and select the Transfer option. Commonly published direct shortcuts include *955*1*Amount*AccountNumber# for OPay transfers and *955*2*Amount*AccountNumber# for transfers to other banks.

Can I transfer money from OPay without internet?

Yes. OPay USSD allows you to access transfer services without mobile data. Dial *955# and follow the transfer menu.

What is the OPay code for transferring money to another bank?

The commonly published shortcut is *955*2*Amount*AccountNumber#. If the shortcut does not work, dial *955# and select Transfer, then choose the bank-transfer option.

What is the OPay code for transferring money to another OPay account?

The commonly reported shortcut is *955*1*Amount*AccountNumber#. Because OPay’s public official information confirms the main *955# code rather than a complete current shortcut list, using the Transfer menu is the safer option if the direct code fails.

Why is my OPay USSD transfer failing?

A transfer may fail because of a temporary network problem, an incorrect recipient detail, insufficient balance, a USSD service issue or another account-related problem. Try *955# and use the menu. If money has already been deducted, avoid repeating the transaction until you have confirmed its status.

Conclusion

The main OPay USSD transfer code is *955#. It allows registered OPay users to access transfer services without relying on mobile internet.

For users who prefer direct shortcuts, commonly reported formats include *955*1*Amount*AccountNumber# for OPay transfers and *955*2*Amount*AccountNumber# for transfers to other banks.

However, USSD menus and shortcuts can change. Since OPay’s own current public information confirms *955# as the main USSD code, that is the best code to remember. If a direct shortcut does not work, dial *955#, select Transfer and follow the instructions shown on your screen.

Always verify the recipient’s details before entering your PIN, and never share your PIN with anyone.