There are times when you need cash from your OPay wallet but cannot use the OPay app. Your data may have finished, your internet connection may be unavailable, or you may simply be using a phone without access to the app.

That is where OPay USSD withdrawal can be useful.

OPay provides a USSD service through *955#, allowing customers to access several account services directly from their mobile phones. Current guides for the service show that withdrawal can be initiated from the USSD menu and completed through an OPay agent or POS location.

Read also: OPay USSD Balance Code: How to Check Your OPay Balance

What Is OPay USSD Withdrawal?

OPay USSD withdrawal is a way to request cash from your OPay wallet using your phone’s USSD menu instead of relying on the OPay mobile app.

The process is designed around an OPay agent or POS operator. You initiate the withdrawal from your registered phone number, provide the agent’s details and amount, and authorize the transaction with your OPay PIN.

The main OPay USSD code is:

*955#

The service is particularly useful when you need to access your OPay wallet without an internet connection.

What Is the OPay USSD Code for Withdrawal?

The safest way to access the withdrawal service is to dial:

*955#

Then select Withdraw from the available options and follow the instructions displayed on your phone.

Several current Nigerian banking guides identify Withdraw as an option within the OPay USSD menu. Some guides also list *955*7# as a direct shortcut to withdrawal services. Because USSD menus can change, using the main *955# menu and following the option displayed on your phone is preferable if the shortcut does not work.

How to Withdraw Money from OPay Using USSD

You can withdraw your OPay balance through an OPay agent by following these steps.

Step 1: Find an OPay Agent

Go to an OPay agent or POS location that has enough cash available for the withdrawal.

Tell the agent that you want to withdraw money from your OPay account.

Step 2: Dial *955#

Using the phone number registered to your OPay account, dial:

*955#

Wait for the OPay USSD menu to appear.

Step 3: Select Withdraw

Choose the Withdraw option from the menu.

The exact position of an option can change if OPay updates its USSD menu, so follow the options displayed on your phone rather than relying only on an old menu number.

Step 4: Enter the Agent’s Phone Number

The USSD prompt will ask for the phone number of the OPay agent or POS operator handling the withdrawal.

Enter the correct number carefully.

Step 5: Enter the Withdrawal Amount

Enter the amount of cash you want to receive.

Make sure your OPay wallet has enough money to cover the transaction and any applicable charges.

Step 6: Confirm With Your PIN

Review the transaction details before confirming it.

Enter your OPay PIN when prompted to authorize the withdrawal.

Step 7: Collect Your Cash

Once the transaction is successfully completed, the agent should give you the corresponding cash.

Keep the transaction confirmation or SMS until you have confirmed that everything is correct.

The withdrawal process described above is consistent with current guides covering OPay’s USSD withdrawal service.

Can You Withdraw From OPay Without Internet?

Yes.

USSD is designed to work without mobile data, so you can access OPay’s USSD service from a compatible mobile phone even when you do not have an active internet connection.

You still need cellular network coverage because USSD communication takes place through your mobile network.

This makes USSD useful when:

• Your mobile data has finished.
• The OPay app is unavailable.
• Your internet connection is poor.
• You are using a basic phone.
• You need to complete a transaction quickly.

OPay’s main USSD service is accessed through *955#.

What Do You Need for an OPay USSD Withdrawal?

Before starting the transaction, make sure you have:

• An active OPay account.
• The phone number registered with your OPay account.
• Your OPay PIN.
• An OPay agent or POS operator.
• Sufficient funds in your OPay wallet.
• A mobile network connection.

Your PIN is particularly important because it authorizes the transaction.

Can You Withdraw From OPay at a POS?

Yes. OPay USSD withdrawal can be completed through an OPay agent or POS location.

The USSD process connects your withdrawal request to the agent, who then provides the cash after the transaction is successfully authorized.

This is different from simply transferring money to another bank account. A USSD withdrawal is specifically intended to convert funds in your OPay wallet into physical cash through the agent.

Is OPay USSD Withdrawal Available on All Networks?

OPay’s USSD service is reported to work across Nigeria’s major mobile networks, including MTN, Airtel, Glo and 9mobile.

However, availability can depend on network conditions and the status of the USSD service at the time you attempt the transaction.

If the code does not respond, check your network signal and try again later.

How Much Can You Withdraw From OPay Through USSD?

The amount you can withdraw depends on factors such as your available wallet balance, applicable account limits and the agent’s available cash.

There are also regulatory limits surrounding agent banking cash-out transactions.

The CBN’s December 2024 cash-out directive set a ₦500,000 weekly cash-out limit per customer, while agent terminals have a ₦100,000 daily maximum transaction cash-out limit per customer under the directive. The directive also sets a ₦1.2 million daily cumulative cash-out limit for each agent.

These limits are regulatory limits and should not be confused with a guaranteed amount that every OPay customer can withdraw in a single USSD transaction.

Does OPay Charge for USSD Withdrawal?

The cost of a withdrawal can depend on the transaction and applicable charges at the time you use the service.

Do not rely on old articles claiming a fixed withdrawal fee without checking the amount displayed during your transaction.

Before entering your PIN, review the transaction information shown on the USSD screen. If the displayed charge or amount is different from what you expected, cancel the transaction and confirm the applicable fee through OPay’s official support channels.

OPay provides customer support through its official channels and lists separate support numbers for app/card and POS business queries.

What If the OPay USSD Withdrawal Fails?

A withdrawal may fail for several reasons.

Common possibilities include:

Poor Network Connection

USSD transactions depend on your mobile network. A weak or unstable signal can prevent the request from completing.

Try moving to an area with better reception and dial *955# again.

Insufficient Wallet Balance

Check that your OPay account contains enough money for the withdrawal and any applicable transaction charges.

Incorrect Agent Details

If you enter the wrong agent phone number, the transaction may not go through correctly.

Confirm the number with the agent before submitting it.

Incorrect PIN

Your OPay PIN is required to authorize the transaction. Do not repeatedly enter random PINs if you cannot remember yours.

Temporary Service Problem

Sometimes the issue may be with the USSD service rather than your account.

If your transaction continues to fail, wait a few minutes and try again. You can also contact OPay customer service through its official support channels.

What Should You Do If Money Is Debited but You Don’t Receive Cash?

This is one of the most important situations to handle carefully.

If your OPay account is debited but the agent does not give you the cash, do not immediately repeat the withdrawal.

First:

1. Check your OPay SMS or transaction notification.
2. Confirm whether the transaction is successful, pending or failed.
3. Keep the transaction reference or other details.
4. Speak with the agent about the transaction.
5. Contact OPay customer support if the issue is not resolved.

OPay’s official website provides customer support channels for transaction-related issues.

Safety Tips When Using OPay USSD Withdrawal

USSD transactions are convenient, but you should still protect your account.

Never Tell an Agent Your PIN

You should enter your PIN yourself.

An agent does not need to know your OPay PIN to help you complete a legitimate withdrawal.

Check the Agent’s Details

Before confirming the transaction, make sure the phone number shown belongs to the agent handling your withdrawal.

Confirm the Amount

Do not authorize a transaction without checking the amount displayed on your phone.

Keep Your Phone With You

Do not hand your unlocked phone to an unfamiliar person and allow them to operate your financial account.

Do Not Share OTPs

Never give your OTP or other security codes to another person claiming to be an OPay representative.

If your phone is lost or stolen, OPay provides USSD options for locking an account or card. Its official website currently lists *955*131# and *955*132# for account or card locking respectively.

OPay USSD Withdrawal vs App Withdrawal

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

Feature	USSD Withdrawal	OPay App
Internet required	No mobile data required	Yes
Smartphone required	No	Usually yes
Main access method	*955#	OPay app
Cash withdrawal	Through agent/POS	Through available app-supported options
PIN authentication	Yes	Yes
Useful when data is unavailable	Yes	No

The biggest advantage of USSD is that you can access the service without relying on mobile internet.

Can You Withdraw OPay Money Without a POS Agent?

If you want physical cash, you generally need a cash-out point such as an OPay agent or another supported withdrawal channel.

The USSD code itself does not produce physical cash. Instead, it lets you initiate the financial transaction, while the agent provides the cash.

This distinction is important: USSD is the transaction channel; the agent is the cash-out point.

Quick OPay USSD Withdrawal Guide

For readers who only need the basic process:

OPay USSD withdrawal code: *955#

Then:

1. Dial *955# from your registered phone number.
2. Select Withdraw.
3. Enter the OPay agent’s phone number.
4. Enter the amount.
5. Check the transaction details.
6. Enter your OPay PIN.
7. Wait for confirmation.
8. Collect your cash from the agent.

Some published guides list *955*7# as a shortcut for withdrawal services, but the main *955# menu is the better option when you want to follow the currently displayed instructions.

Frequently Asked Questions

What is the OPay USSD withdrawal code?

The main OPay USSD code is *955#. After dialing it, select the withdrawal option and follow the instructions displayed on your phone.

Can I withdraw OPay money without the OPay app?

Yes. You can use OPay’s USSD service through *955# to initiate a cash withdrawal through an OPay agent without opening the mobile app.

Can I use OPay USSD withdrawal on a button phone?

Yes. USSD does not require a smartphone or mobile data. You need a compatible mobile phone, network connection and the phone number registered with your OPay account.

What information do I need from an OPay agent?

You need the agent’s relevant phone number when prompted during the USSD withdrawal process. Confirm the number before authorizing the transaction.

What happens if my OPay withdrawal is successful but the agent does not pay me?

Do not make another withdrawal immediately. Check your transaction status and keep the transaction details. Contact the agent first and then OPay customer support if the issue is not resolved. OPay provides official customer support channels for transaction-related complaints.

Conclusion

OPay USSD withdrawal gives customers another way to access their wallet when they cannot or do not want to use the OPay app.

The main code is *955#. From there, select the withdrawal option, provide the OPay agent’s phone number, enter the amount and authorize the transaction with your PIN.

The most important thing is to check the details before confirming the transaction and never disclose your PIN or OTP to an agent or anyone else.

If the USSD menu or withdrawal shortcut changes, rely on the options displayed after dialing *955# rather than an old code published elsewhere.