*955# is the Opay USSD code for all major mobile networks in Nigeria, including MTN, Glo, Airtel, and 9mobile. This code is free to use to access your OPay wallet and carry out various financial transactions without any internet access or connectivity.

With Opay code, you can use it to check your account balance; you can use it to send money, buy airtime or data, pay bills, and also fund your betting wallets directly from your phone.

The code makes it easy for you to carry out any financial transaction or service when you’re offline or when you’re in an area with a poor internet connection. The Opay USSD code brings essential banking features to you at any time and anywhere.

How to Activate OPay USSD Code

Before you can start using the OPay *955# USSD code, you need an active OPay account that is linked to your phone number. When you create an OPay account using your phone number, this phone number will become your OPay account number or your OPay account ID. To activate the OPay USSD code, you need to create an account either using the mobile app or using the USSD code. You can choose any of the two options that are convenient for you.

Below is how you create your Opay account using the Opay app and Opay USSD.

1. Using the OPay App:

To create your OPay account, you need to first download it from the Google Play Store if you are using an Android phone or the App Store if you are using an iOS device.

After you have downloaded the app, you need to click on Create an account to register and open a new OPay account. During that registration, you’ll be asked to enter your name, mobile number, and email address.

After that, a one-time password or verification code (OTP) will be sent to your phone number as SMS.

You need to copy the code to verify your account. Once your account is verified, you’ll need to set a secure 6-digit transaction PIN. When you are done, your phone number will now be your new OPay wallet, and you can start using the OPay USSD code.

2. USSD (Without App):

Another way to create an Opay account is through USSD; you don’t need the app or Internet connection. You simply dial *955# on your phone and select the “Register” option from the menu.

You create an OPay account using the USSD code when you select the register option, and you will be asked to enter your first and last name. After that you need to create a 6-digit PIN and also confirm your identity using the OTP that will be sent to your phone as SMS.

After the registration is complete, you can now access more options in Opay USSD services by simply dialing *955# from the phone number you used during the registration. You should know that the phone number you use in opening your OPay account is now tied to your OPay wallet, so make sure to keep the number safe.

Once you have opened the OPay wallet, you now have full access to the OPay USSD menu, which you can use to send money, check your balance, and also buy airtime, data, and pay bills, etc., without any internet connection.

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How to Use the OPay USSD Code (General Guide)

You can use the OPay USSD code without any internet access by simply dialing *995# on your MTN, Glo, Airtel, or 9mobile SIM. Or follow this step-by-step guide on how to use the Opay USSD code below:

Step 1: Dial *955#.

The first thing you need to do when you want to use the code is to dial *955# on the phone number you use to open your OPay account. This is the first step to access all OPay USSD services, and you don’t need data or Wi-Fi.

Step 2: Navigate the Menu

When you dial the code, you will see that a different menu will appear; from there you will see a list of different numbered options that represent different available services. Examples of options in the menu that will appear as you dial the Opay USSD code are

• 1 for Transfers
• 2 for Bills
• 3 for Airtime
• 4 for Data
• 0 or 5 for check balance

What you will do now is to reply with the number that matches the service you want to use.

Step 3: Enter Details and Confirm

When you click the number that matches the service, you need to follow the prompts on your screen. Depending on the service you choose, you may need to enter a bank account and the amount if you want to transfer money, or a phone number if you want to buy airtime, etc. After that you will be asked to confirm the action you choose by entering your 6-digit OPay transaction PIN.

Step 4: Complete the Transaction

When you put in your Opay transaction PIN (or sometimes OTP), your transaction will be processed immediately, and you will receive a confirmation message either on your screen or via SMS that your transaction is successful.

This process is completely free. You will only be charged for the service that you choose, like airtime, data, or transfers, meaning the USSD itself is free.

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How to Check Your OPay Balance Using the USSD Code

If you want to check your OPay account balance, it is very simple and straightforward; you only need to dial the USSD code. You can follow the step-by-step guide below to check your OPay balance:

Step 1: Dial the USSD code in your phone.

You need to dial *9550# on the phone number you use to create an OPay account. Then a different menu will appear with different numbers for different services.
You will need to select check balance from the options that will appear. Once you select the option and enter the number, your current wallet balance will appear on your screen or will be sent via SMS. Below are the steps you should follow:

1. Dial *955#
2. From the menu, select the “Check Balance” option (usually option 0 or 4).
3. Enter your PIN to complete the request.

After that your available Opay balance will appear on your screen instantly, or it will be sent to your phone by SMS.

How to Transfer Money Using OPay USSD Code

OPay makes it easy for you to send money to any OPay users and any Nigerian bank accounts directly from your phone by using the USSD code. Below is how you can transfer money on OPay using the OPay USSD and methods to choose from:

1. Transfer to Another OPay User

If you want to send money to someone that is using OPay, follow these steps:

• Dial*955*1*AMOUNT*RECIPIENT PHONE NUMBER or ACCOUNT NUMBER#. This is how it will be, for example: *955*1*10000*7010474501#.  Here you want to send ₦10,000 to another OPay account number.
• Then you will be prompted to enter your 6-digit OPay PIN to confirm your transfer.

This type of method is instant and secure for transfers between two OPay wallets.

2. Transfer to another bank account

To transfer money from OPay to a regular Nigerian bank account, you need to follow these steps:

• Dial *955*2*AMOUNT*ACCOUNT NUMBER#. It will look like this *955*2*20000*0123656789#, with this code, you will transfer ₦20,000 to that account number.
• You need to select the bank name from the list of banks that will appear.
• Then you need to confirm the account details, and after that, you need to enter your PIN to authorize the transaction.

Opay USSD code transfer Menu: Below are the menu options you will see when you dial the code and the steps to follow:

1. Dial *955#
2. Select “Transfer” (it can be option 1).
3. Then you need to choose either:
   • Option 1 for OPay-to-OPay
   • Option 2 for Bank Transfer
4. After that you need to follow the prompts that will appear and enter the amount you want to transfer, the recipient account number, and your PIN.

Note: OPay may charge you a small, flat fee (around ₦10) for any transfers to another bank account, while transfers between OPay wallets are often free.

From the above guide, we hope you can now transfer money to your friend, or you can send money to another bank using the OPay USSD code: *955#.

Opay USSD Code for Airtime: How to Buy Airtime Using OPay USSD Code

You can buy airtime using the *955# USSD code for your own line or for your friend. Here is the process you need to follow, which is simple and works on all networks:

1. Self Recharge

If you want to buy airtime for your own phone number, follow the steps below:

• Dial *955*3*AMOUNT#
  • Example: *955*3*1000# This code shows you want to buy ₦1,000 airtime for yourself.
• You will need to enter your OPay PIN to confirm.
• Then airtime will be credited to your phone instantly.

2. Recharge Another Number

Follow these steps to recharge another person’s number or send airtime to someone else’s line:

• Dial *955*3*AMOUNT*Phone number#
  • Here’s how it will look: *955*3*500*08098275278#, this code shows you want to recharge ₦500 airtime for 08098275278.
• You will need to enter your PIN to authorize the transaction.
• After that the recipient will receive the airtime immediately.

Opay USSD Menu for airtime

Here is the USSD menu for airtime that you need to follow:

1. Dial *955#
2. Select “Airtime/Data” from the menu
3. Choose “For Me” or “For Someone Else.”
4. Enter the amount and phone the phone number you want to send airtime to.
5. Confirm it with your PIN

This method is best when you want to double-check the details before confirming.

Opay USSD code for MTN: How to Buy MTN Airtime with OPay USSD Code

The process you want to follow to buy MTN airtime is exactly the same as with any other network. To recharge any MTN line, follow the steps below:

• Dial *955*3*AMOUNT*MTN NUMBER#
  • Here’s how it will be, for example: *955*3*1000*0803XXXXXXX#, you now want to send ₦1,000 airtime to the MTN line.
• After you dial the code above, you will need to enter your PIN to complete the transaction.
• The airtime will be sent instantly to the MTN number.

You can recharge your MTN number through the USSD menu by dialing *955# then “Airtime.” This format works on all other networks, Glo, Airtel, or 9mobile lines. The OPay USSD code for airtime (*955*3#) is the same across all Nigerian networks.

With this USSD option, you can buy airtime anytime without internet, and it is fast, secure, and always available.

How to Purchase Mobile Data Using OPay USSD Code

Like airtime, you can buy mobile data using the OPay USSD code for yourself or for someone else from your OPay wallet. Below is the process you need to take to purchase data from your OPay wallet:

Method 1: USSD Menu

You can buy data through the USSD code by following the menu system and steps below:

1. Dial *955# from your OPay phone number.
2. Then select “Airtime/Data.”
3. Choose “Buy Data.”
4. You will need to select whether the data is “For Me” or “For Others.”
5. You will see the list of available data bundles.
6. Then pick your preferred plan.
7. Enter your 6-digit OPay PIN to complete the purchase.

The data will be credited to your chosen number.

Method 2: Using a Direct Code

For quicker access:

• Dial *955*4*Phone number#
• You will need to select a data package.
• Then confirm your purchase by entering your PIN.

The OPay USSD code for data is *955*4#. This code will allow you to buy data for yourself or for any Nigerian phone number with just a few quick steps.

You will need to confirm your transaction, and then the data bundle will be sent to you immediately.

This option allows you to stay connected without the OPay mobile app or internet.

How to Generate or receive OTP via OPay USSD code.

If you need a one-time password (OTP) for any secure transactions, you can easily request it through USSD without the OPay app or any internet connection.

Below are the step-by-step instructions you can follow to get an OTP:

• Dial *955*0*10# from your OPay account phone number.
• Enter your 6-digit OPay PIN when needed.
• After that, a one-time password will be sent to your phone via SMS.

You can use this OTP to authorize any sensitive actions in your OPay wallet, like high-value transfers, app logins, etc. The OPay USSD code for OTP (*955*0*10#) is fast, secure, and completely free to use. It very helpful if you’re in a low-network area or offline environment.

How to Use OPay USSD Codes Safely

To ensure your security when using *955# services, follow these important tips:

• Keep Your OPay Account PIN Private: do not share your 6-digit OPay PIN with anyone. Your PIN is what protects your wallet and can be used to authorize all transactions.
• Troubleshooting: If you see an error like “Service Unavailable” or “Wrong Number” when you use the OPay USSD code service, you need to check your mobile phone number and make sure you are dialing it from the phone number you used for your OPay account.
• If the USSD is still not working after confirming your phone, you need to contact OPay Customer Support with this number: 0700-888-8328 for quick assistance.

Final Thoughts

The OPay USSD code (*955#) can be used for checking your account balance; you can use it to transfer funds, recharge your phone, buy data, etc., with just a quick dial on your phone. You don’t need an app or data to carry out any transaction on your OPay wallet; you only need to dial *955# on the phone number you used as your OPay account number. You are now good to go.