OPay USSD Codes in Nigeria — Complete Guide (*955#)
All You Need to Know About OPay USSD Codes
OPay is one of Nigeria’s most popular digital wallets and payments platforms. Its USSD (Unstructured Supplementary Service Data) interface provides quick, app-free access to core financial services. This guide explains the most useful OPay USSD codes, how to use them, real-world examples, troubleshooting tips, and best practices to keep your money safe.
What is OPay USSD?
USSD is a mobile communication protocol available on all GSM phones. OPay’s USSD service — primarily accessed via *955# — lets users carry out transactions like fund transfers, airtime purchases, balance checks and card activations without an internet connection.
Common OPay USSD Codes & Functions
Below is a concise reference table for the most commonly used OPay USSD sequences and what they do.
| Function | USSD Code | Description |
|---|---|---|
| Open OPay / Main Menu | *955# | Access the OPay menu hub to choose operations |
| Transfer (to OPay account) | *955*1*amount*10-digit-account# | Send funds to another OPay user |
| Transfer (to other banks) | *955*2*amount*10-digit-account# | Send money from OPay to any Nigerian bank account |
| Airtime (Self) | *955*3*amount# | Load airtime for your own number |
| Airtime (Others) | *955*3*amount*phone-number# | Buy airtime for someone else |
| Check Balance | *955*0# | See your OPay wallet balance |
| View BVN | *565*0# | Fetch your Bank Verification Number (BVN) |
| Get OTP | *955*010# | Generate a One-Time Password for secure operations |
| Card Activation | *955*03121# | Activate an OPay debit or virtual card |
| Data Purchase | *955*4*phone-number# | Buy data plans for a number |
Why Use OPay USSD?
- No internet required: perform transactions even without mobile data.
- Fast and simple: direct short codes for everyday tasks.
- Works on basic phones: accessible to users with feature phones.
- Secure flows: confirmation prompts, OTPs and PINs for protected actions.
Practical Examples
Here are a few real‑world examples demonstrating the format and usage of OPay USSD sequences:
- Transfer to another bank: To send ₦5,000 to account
1234567890, dial:*955*2*5000*1234567890#. Confirm when prompted. - Buy airtime for a friend: To send ₦1,000 to
0803xxxxxxx, dial:*955*3*1000*0803xxxxxxx#. - Check balance: Dial
*955*0#to view your wallet balance instantly. - Activate card: After receiving an OPay card, dial
*955*03121#to activate it.
OPay App vs USSD — Which Should You Use?
Both have advantages:
- Use USSD for: quick, on-the-go tasks when you don’t have data or when using a basic phone.
- Use the App for: transaction history, visual dashboards, biometric security, and advanced services (merchant payments, bill management).
Tips & Best Practices
- Always double-check account numbers before confirming transfers; USSD transfers may be irreversible.
- Keep your PIN and OTP secret — never share with anyone.
- Observe correct code formats — missing digits or wrong separators cause errors.
- Be aware of transfer limits and fees; contact OPay support or check the app for tariff details.
- Link the correct phone number to your OPay account to avoid mismatches.
Troubleshooting & FAQs
Q: The USSD code isn’t working. What should I do?
First, check your network signal and ensure the phone number you are dialing from is registered with OPay. If problems persist, contact OPay customer support to verify whether the USSD service is active for your line.
Q: Are there transaction limits on USSD transfers?
Yes. OPay typically enforces per-transaction and daily limits. These vary by account verification level and regulatory policy. Review your account settings or contact OPay for exact limits.
Q: Will I be charged for using USSD?
Some transactions — particularly transfers to other banks or third-party services — may attract fees. Always confirm fees in the app or via OPay support.
Also check out : Opay vs Kuda 2025: Which Is the Best Digital Bank in Nigeria?
OPay’s USSD service is a convenient, internet‑free way to manage basic financial needs in Nigeria. Whether you’re sending money, topping up airtime, or activating a card — most tasks are just a few keystrokes away with *955#. Use the tips above to stay safe and efficient.
Comments
Post a Comment