Full List of Opay USSD Codes & How To Use Them

Opay USSD Codes

Opay USSD codes provide an easy way to manage your finances without data or apps.  As one of Nigeria’s leading financial platforms, Opay has simplified transactions like money transfers, bill payments, and airtime top-ups through the Opay USSD code. 

With a primary phone, users can send funds, pay utilities, and buy bundles in just a few taps – no app or data required.

While the Opay app remains one of Nigeria’s most popular digital wallets thanks to its speed and usability, USSD codes have made the platform’s services genuinely inclusive. 

This guide will provide the full list of Opay USSD codes and walk through completing everyday financial tasks securely and efficiently without an internet connection. We’ll also show you how to use the Opay USSD code to conduct simple transactions from your Opay account.

What is Opay USSD Code? 

Opay USSD code is *955#. This unique USSD code allows customers to perform banking transactions like money transfers, airtime/data purchases, withdrawals, account creation, and funding other accounts directly from their phones without needing internet access or the Opay mobile app.

USSD codes provide a self-service option for financial services that work across basic phones through text-based menus. Opay created its USSD code *955# to make its services more accessible to customers who may not have smartphones or reliable internet access.

To use the Opay USSD code, you need an Opay account and the phone number or SIM associated with that account. The code works on Airtel, MTN, and 9Mobile networks in Nigeria, but not on the Glo network.

By dialling *955# from their phones, Opay customers can access services like transferring funds, paying bills, buying airtime for themselves or others, checking account balances, creating new accounts, and more directly from the USSD menu options.

How to Create an Opay account

Before you use some of the Opay USSD codes, you need to have an account with Opay first, as said before. Here are simple terms to create an Opay account:

  • Download the Opay app from the Apple App Store or Playstore
  • Open the Opay app once it has been installed.
  • For new users, click on “Create Account”. Existing users should log in to their existing accounts.
  • Enter your correct personal information, such as name, phone number, email, etc.
  • Set your transaction PIN and password for secure login.
  • Verify your account by providing additional details as requested in the app. The level of verification determines the maximum balance your account can hold.
  • Once verification is successful, your Opay account will be created and ready for use. You can now use the account to make payment transfers, buy airtime and data bundles and more directly from the app.

Please note that there is yet to be a code to open an Opay account, you must download the mobile app.

How to Transfer Money Using the Opay Transfer Code

To transfer to another bank account or Opay account using the Opay USSD transfer code, follow these steps:

  • Dial *955# using your Opay registered phone number.
  • Select the “Transfer” option.
  • Select option 1 to transfer to an Opay account or option 2 to another bank account.
  • For bank transfers, please type the recipient’s 10-digit bank account number and select their bank, e.g. Access Bank, GT Bank, First Bank, etc.
  • Type the amount you want to transfer.
  • Alternatively, dial *955*2*Amount*Account Number#, select the bank if required, and enter your Opay Pin to authorise the transfer.
  • For example, to transfer ₦2000 to 2032121234 Polaris Bank account, dial *955*2*2000*2032121234#, select Polaris Bank and enter your PIN.
  • Confirm the transaction by providing your Opay Security PIN.

How to Buy Airtime Using the USSD Code For Opay 

To purchase airtime for your number or recharge another number using the Opay USSD code, follow these steps:

  • Dial *955#
  • Select the “Airtime/Data” option.
  • Enter the mobile number to recharge, followed by the airtime amount.
  • For example, to recharge ₦500 on 0901234567, dial 9553500*0901234567#


  • Select the “Airtime” option after dialing *955#.
  • Enter your phone number, airtime amount, and Opay PIN.
  • You will receive an SMS notification once the airtime recharge is successful.

How to Buy Data Using the Opay USSD Code

Here is a simple step-by-step guide to buying data using the Opay USSD code:

  • Dial *955# on your phone.
  • Select the “Data” option from the menu.
  • Choose the amount of data bundle you want to buy e.g 1GB, 2GB etc.
  • Enter the mobile number you want to add data to. This can be your number or someone else’s.
  • Input your Opay PIN number to confirm the payment

How to Use The Opay USSD Code to Fund Betting Accounts

You can load credit onto your betting platform within minutes using just the Opay USSD code. To fund your betting account:

  • Dial *955# from your registered mobile number.
  • Select option 3, “Betting & Electricity”.
  • Choose option 1, “Fund Betting Account”.
  • Select your betting platform from the list (e.g. Bet9ja, 1xBet, etc).
  • Enter the amount you want to deposit.
  • Input your Opay PIN to authorise the transaction.
  • You will receive an SMS notification once the funds are in your betting account.

Opay USSD Code to Pay Your Electricity Bill

Here are the precise steps to pay electricity bills using the Opay USSD code: 

  • Dial *955# from your registered mobile number.
  • Select option 3, “Betting & Electricity”.
  • Choose option 2, “Pay Electricity Bill”.
  • You will be prompted to enter your electricity provider, account number and meter serial/ID number.
  • Input the requested details when prompted.
  • Confirm the payment amount and provider details.
  • Enter your Opay PIN to authorise the payment.
  • You will receive an SMS notification and your token once the payment is successful.

How to Check Your Opay Account Balance Using the USSD Code

There is no need to open the app or have data. In just a few taps from your phone’s dial pad, you can check your Opay balance for free anytime, anywhere by following these steps:

  • Dial *955# on your phone.
  • Select the 4th option, “Check Balance” from the menu.
  • Alternatively, you can dial *955*4# directly to check your balance.
  • Enter your Opay PIN number when prompted.
  • Your current Opay wallet balance will be instantly displayed on your phone screen for free.

How to Add Money to Your Opay Account

Here are the steps to add money to your Opay account using the USSD code:

  • Dial *955# on your phone.
  • Select the “Funding” option.
  • Choose how you want to fund your account – bank transfer, card payment, or cash deposit at an agent location.
  • You’ll need to enter your bank details, like account number and amount of funding, by bank transfer.
  • For card payments, enter your card details and amount.
  • After entering the payment details, input your Opay PIN for verification.
  • You will receive a confirmation message once the funding is successful.
  • The amount will be instantly reflected in your Opay wallet balance or within a few minutes, depending on the payment method.

Opay USSD Codes For Loan

The Opay USSD code allows everyone access to Opay loans, even without a smartphone. Just dial *955# from your mobile phone and follow the simple steps below:

1. Dial *955# from the mobile number registered with your Opay account.

2. Select the “loan” option from the menu. 

3. Follow the on-screen instructions to apply for a loan. You’ll need to enter some basic details.

4. If approved, the loan amount will be disbursed directly into your Opay wallet. 

5. You can then pay bills, transfer funds, and access other Opay services using your wallet balance.

Opay USSD Code to Save Money

To save money using the Opay USSD code, follow these steps:

  • Dial *955#
  • Select the “Savings” option, which is the option 6 
  • Enter the amount you want to save
  • Enter your Opay PIN when prompted

How to use the Opay USSD Code to Withdraw

Here are the simple steps to withdraw money from your Opay account using the USSD code:

  • Dial *955#
  • Choose the “Withdraw” option, which is Number 7.
  • Enter the Opay agent/POS phone number from which you want to withdraw the cash.
  • Enter the amount you want to withdraw.
  • Input your Opay PIN when prompted.

How to use the Opay USSD Code to Get an Opay Card

The Opay card lets you purchase and withdraw directly from your Opay wallet balance. You can order both virtual and physical cards easily using the USSD code.

Here are the simple steps:

  • Dial *955#
  • Select the option 8 
  • Choose option 1 for a virtual card or option 2 for a physical card that can be delivered to you.
  • Then, it will direct you to the app to order it from there. 
  • Once verified, your virtual card is ready to use immediately online and in-app. The physical card will be delivered within 5-7 business days.


Opay USSD codes have transformed the way we manage our finances and access essential banking services. With just a few taps on our mobile phones, we can now send money, pay bills, buy airtime, fund betting accounts, and more, all without the need for data or apps.


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