Opay has established itself as one of Nigeria's leading mobile money platforms, providing comprehensive financial services to millions of users across the country. The platform's USSD code system offers a convenient way to access banking services without requiring an internet connection, making financial transactions accessible to everyone.
Understanding Opay USSD Banking Services
The primary Opay USSD code is *955#, which is completely free to dial and works across all major Nigerian mobile networks including MTN, Airtel, Glo, and 9mobile. This service enables users to perform various banking transactions directly from their mobile phones, regardless of whether they have smartphone capabilities or internet access.
As a Central Bank of Nigeria (CBN) licensed mobile money platform, Opay ensures that all transactions conducted through the USSD code meet regulatory standards and security protocols. The service has become particularly valuable in areas with limited internet connectivity, providing financial inclusion to underserved communities.
Complete List of Opay USSD Codes and Functions
Checking Your Account Balance
To check your Opay account balance, simply dial *955# and follow these steps: Select option 4 for "Check Balance" from the menu, enter your secure PIN when prompted, and you will immediately receive an SMS notification displaying your current account balance.
Transferring Funds to Other Accounts
Opay USSD code facilitates two types of transfers: transfers to other Opay users and transfers to bank accounts in Nigeria. The process involves dialing *955#, selecting "Transfer" from the menu options, then choosing between Opay transfer (option 1) or bank transfer (option 2).
For transfers to Opay users, you'll need the recipient's phone number, while bank transfers require selecting the recipient's bank from a list and entering their account number. After entering the transfer amount, you'll authorize the transaction with your PIN.
Alternative quick codes include *955*1*amount*account number# for Opay transfers and *955*2*amount*account number# for bank transfers.
Cash Withdrawal Process
Withdrawing cash from your Opay wallet is straightforward using the USSD code. Dial *955#, select option 7 for "Withdraw," enter the phone number of the Opay agent or POS where you want to withdraw, specify the amount, and confirm with your PIN. This service allows you to access your funds through authorized agents across Nigeria.
Savings and Financial Planning
Opay's savings feature through USSD enables users to build their financial reserves easily. By dialing *955# and selecting option 6 for "Savings," you can specify the amount you wish to save and confirm the transaction with your PIN. This promotes a savings culture among users seeking to improve their financial health.
Data and Airtime Purchase
The platform simplifies purchasing data bundles and airtime for yourself or others. For data purchases, dial *955#, select "Airtime/Data," choose between "Buy for self" or "Buy for others," select your preferred data bundle, and confirm with your PIN. The quick code *955*4*Phone number# provides an alternative method.
Airtime purchases follow a similar process: dial *955#, select option 1 for "Airtime," choose your recipient preference, enter the amount, and authorize with your PIN. Quick codes include *955*3*amount# for self and *955*3*amount*phone number# for others.
Advanced Security and Utility Features
Enhanced Security Measures
Opay provides robust security features through its USSD code system. To set up an additional security layer with One-Time Password (OTP), dial *955*010# and follow the prompts. This adds extra protection for your transactions.
In case of lost or stolen cards, you can immediately block your Opay card by dialing *955*132#. For comprehensive account security, use *955*131# to block your entire account, receiving SMS confirmation once the action is complete.
Bill Payments and Utilities
Paying electricity bills has been simplified through Opay's USSD service. Dial *955#, choose option 3 for "Betting & Electricity," select option 2 for "Pay Electricity Bill," then enter your electricity provider details, account number, and meter serial number. After specifying the payment amount and providing your PIN, you'll receive both an SMS confirmation and your electricity token.
For betting enthusiasts, funding betting accounts is equally straightforward. Dial *955#, select "Betting," choose your preferred bookmaker from the list, enter the deposit amount, and confirm with your PIN.
Account Activation and Card Services
Creating Your Opay Account
You can activate Opay USSD services through two primary methods. The first involves downloading the Opay app from Google Play Store or App Store, selecting your preferred language, providing personal information including name, email, and phone number, verifying with the received SMS code, and creating a secure password.
The alternative method uses USSD directly: dial *955#, select "Register," enter your first and last names, create a secure PIN, and verify with the OTP sent to your phone. Successful registration triggers a confirmation message.
After account creation, dial *955*03121# to activate your Opay ATM card.
Obtaining Opay Cards
To get an Opay card, dial *955#, choose option 8, then select between a virtual card (option 1) or physical card with delivery (option 2). Virtual cards are immediately available for online and in-app use after verification, while physical cards typically deliver within 5 to 7 business days.
Funding Your Account and Troubleshooting
Adding Funds to Your Wallet
Funding your Opay account through USSD involves dialing *955#, selecting "Funding," choosing your preferred method (bank transfer, card payment, or cash deposit at agent locations), entering the required details, and verifying with your Opay PIN. The balance updates instantly or within minutes depending on the payment method.
Resolving Common Issues
If you encounter problems with the Opay USSD code, several troubleshooting steps can help. First, ensure you have stable network connectivity as weak signals can cause connection errors. Restarting your phone can resolve temporary glitches, and checking for service outages through Opay's customer service channels is recommended.
For assistance, contact Opay customer service through WhatsApp at +2349165998936, their main care number at +2341 888 8329, mobile queries at 0700 888 8328 or 01 8888328, and POS business queries at 0700 888 8329 or 01 8888329.
Important Clarifications and Distinctions
It's crucial to understand that the Opay USSD code works uniformly across all supported networks in Nigeria, with no network-specific variations. Contrary to some expectations, Opay doesn't offer loans through its USSD code—these are available separately through the Okash app.
Additionally, while both are mobile payment platforms in Nigeria, PalmPay is not the same as Opay—they are owned by different companies. The USSD code *426# is specifically for accessing PalmPay services, distinct from Opay's *955#.
Opay's USSD banking service represents a significant advancement in financial inclusion, providing comprehensive banking services to Nigerians regardless of their location or internet access. The platform continues to evolve, offering secure, convenient, and accessible financial solutions to millions of users across the country.
