The speed and reliability of digital payment platforms like Prestmit and Opay have given room for an increase in the number of users making online transactions other than traditional banks. This is because you can conveniently pay bills such as buy airtime, buy data, and even pay for cable TV subscriptions and fund your betting wallets on the platforms. So while it may interest you to have an Opay account, this article guides you on updated Opay USSD codes you should know.

What is Opay USSD Code?

Opay USSD codes

The Opay USSD code is *955#. This code allows you to make different transactions on the payment platform. Opay introduced its USSD feature after the launch of the company as a fintech service in Nigeria. This aims to simplify the use of Opay services, especially when internet connection is unavailable, even making Opay one of the best online payment gateways for businesses.

However, it is essential to create an Opay account before you can use the USSD feature. You must also ensure that you use the phone number linked to your Opay to use the code. This is because your registered phone number is your Opay account number which facilitates any transactions you want to make on the platform.

List Of Opay USSD Codes

Here is the updated list of all USSD codes:

  • Check Balance: *955*0#
  • Get OTP (one-time password): *955*010#
  • Transfer to Opay Account: *955*1*Amount*Account Number#
  • Transfer to Other Bank Account: *955*2*Amount*Account Number#
  • Airtime for Self: *955*3*Amount#
  • Airtime for Others: *955*3*Amount*Phone Number#
  • Data: *955*4*Phone Number#
  • Electricity Bill: *955*6#
  • Betting: *955*5#
  • Opay Card Activation: *955*03121#

How to Activate Opay USSD Code

Here are the steps to Activate your Opay USSD code:

  • Download the Opay app and register an account with your phone number.
  • Complete the verification process by entering the SMS code sent to your phone number.
  • Set a secure 6-digit PIN when prompted during the app signup.
  • Dial “*955#” on your mobile phone using the phone number linked to your Opay account.
  • Follow the on-screen prompts to set up and activate the USSD service.

How To Withdraw Funds from Your Opay Account Using the USSD Code 

The following are the steps to withdraw money from your Opay account using the code:

  • Simply dial *955# and choose the option to go to the next page.
  • Select the “Withdrawal” option.
  • Enter the Opay PoS agent’s phone number.
  • Enter the amount you want to withdraw and input your PIN to make a withdrawal.

How To Create Opay Account With USSD Code

You can open an Opay account using the code with the following steps:

  • Dial *955# and select the option to create your account.
  • Enter your first and last name.
  • Enter your preferred PIN to use Opay.
  • Confirm your PIN by re-typing it.
  • Verify your account with the OTP sent to your phone number.

How To Fund Your Opay Account With USSD Code 

  • Dial *955*2# or *955# to fund your Opay account using USSD. 
  • Choose “Add Money” and follow the prompts.
  • You have successfully funded your Opay account after the transaction.

How to Transfer Money from Opay to a Bank Account Using a USSD Code

  • Dial the USSD code (*955#) on your mobile phone from the number registered with your Opay account.
  • Navigate the menu to select the “Transfer.”
  • Choose “Transfer to bank account” and enter the recipient’s bank details.
  • Enter the amount of money you want to send.
  • Enter your Opay PIN to authorize the transaction.
  • You will receive a confirmation message once the transfer is successful.

How To Check Opay Account Balance With USSD Code

Dial *955*0# and enter your PIN. You can also dial *955# and choose “Next” to go to the next page. Select the “Check Balance” and enter your Opay PIN. Your Opay account balance will be displayed on your phone screen.

How To Use Opay USSD Code For E-PIN

You can buy your E-PIN for JAMB and other examinations using USSD on Opay. Here’s how:

  • Dial *955# and choose “Next” to go to the next page.
  • Choose the E-PIN option.
  • Select the examination type and confirm its amount.
  • Enter your Opay PIN to make payment.

How Do You Create an Opay Account?

You can open an Opay account by downloading the Opay app, and then follow the in-app instructions to register by providing your name, phone number, and email address. You will need to verify your phone number with an SMS code.

What is the Opay USSD Code for OTP?

The Opay USSD code for receiving an OTP (One-Time Password) is *955*010#.

Frequently Asked Questions (FAQs) About Opay USSD Codes

Is It Safe To Use Opay USSD Codes For Transactions?

Yes, it is safe to use Opay USSD codes for different transactions. But, as a rule of thumb, you must not share your transaction PIN with anyone. Your account and money remain secure if you keep your PIN secret.

Do I Need Internet Connection To Use The USSD Codes?

You don’t need an internet connection to use the Opay USSD code. This is an offline feature you can access on any mobile device. Dial the USSD code and follow the prompts to complete your transaction.

Are There Hidden Charges For Using Opay USSD Codes?

There are no hidden charges associated with using the USSD codes. It is free.

What Should I Do If I Encounter An Issue Using USSD Code?

You must contact Opay customer support if you encounter a glitch while using a USSD code. This should be the first point of call similar to when you misplace your phone or Opay card. The team will be able to help you troubleshoot any issue you’re facing.

Can I Open Opay With Only NIN?

Yes, you can open an Opay account with your NIN, thougn you may need to upgrade it later by adding more information like your BVN to increase transaction limits. This means that the limit for your Opay account will depend on the KYC (know your customer) tier you belong. As such, daily transaction limit for Tier 1 is N50,000, daily limit for Tier 2 is N500,000, and Tier 3 has N5,000,000.

Conclusion

A good understanding of Opay USSD codes helps make your platform transactions as seamless as possible. Irrespective of your tech know-how, you can use the codes for different payments. But while we have covered the codes and how to use them in this article, you must always stay updated with Opay activities to ensure that the codes are valid when you use them.

Last updated on November 7, 2025