The updated list of all OPay USSD codes in 2023

Discover the convenience of OPay USSD code, *955#, designed to provide you with swift access to various services like balance inquiries, airtime and data recharge, bank transfers, bill payments, and more. OPay, a Fintech company supported by Chinese investors, ventured into the Nigerian market in 2018 and has been making remarkable strides ever since. For a similar post, read our comprehensive article on the Top Fintech companies in Nigeria.

The beauty of banking through Opay’s short code lies in the freedom it grants you from relying on a stable internet connection or owning a smartphone. It’s a true lifesaver, especially in situations where you require essential transactions but lack access to a smartphone or find yourself in an area with unreliable network coverage for using the mobile app.

Opay offers an array of USSD codes, each tailored to cater to different needs, such as opening an account if you don’t have one, checking your account balance, conducting money transfers, or purchasing airtime and data, among other convenient options.

Check out the table below for a list of Opay USSD codes that allow you to manage your account seamlessly:

ACTIVITY	OPay USSD Code
Open Opay Account	*955#
Transfer to Bank	9552amountaccountnumber#
Transfer to Opay Account	9551amountaccountnumber#
Buy Airtime for your Opay Number	9553*amount#
Buy Airtime for Other Numbers	9553amountphonenumber#
Buy Data	9554*amount#
Check Account Balance	9550#
Fund Betting Account	9555#
Pay for Electricity	9556#
Get OTP	955010#
Activate your ATM Card	95503121#

Table of Contents

USSD Code to Open Opay Account

The USSD Code to open an Opay account is *955#. Dialling this Opay shortcode will display a menu with an option to register an Opay account for yourself.

We’ve got a couple of other articles that could catch your interest – One covers the process of Applying For OPay POS and becoming an OPay agent in 2023, while the other serves as a helpful guide on fixing your locked OPay account.

How to open an Opay account using USSD Code

To open an Opay account using the USSD Code, follow the below steps:

Dial the shortcode *955#
Select register from the list of options displayed
In the next menu, you will be required to provide basic KYC details that include your name, date of birth and others
Create your transaction PIN
Once this is submitted, you will see a message that your account has been created and you will likely get a welcome SMS

How to use activate the Opay USSD Code

If you want to start using the Opay USSD code on your phone number, follow the process below:

Dial the USSD code *955#
Once you dial this shortcode, you will see the option to register if you have no account (and you can follow the prompts to create an account) but if you have an account, you will be able to use it without extra steps
Follow the next steps based on the service you selected from the step above
Enter your Opay authorisation PIN
Once you submit it, the requested option will be performed and you will be notified accordingly

Opay USSD Transfer Code

The Opay USSD transfer code is *955*2*amount*accountnumber#. This shortcode will enable you to transfer money from your Opay account to any bank account in Nigeria with no need for a phone with an internet connection.

How to transfer money to a bank using Opay USSD Code

To send money from your registered Opay account to any bank using the USSD Code, follow the below steps:

Dial the shortcode *955*2*amount*accountnumber#
Select the bank from a list of institutions displayed
Validate the name on the account number
Enter your Opay transaction PIN
Once you submit it, the money will be sent to the recipient

Opay USSD Code to Transfer Money to another Opay Account

The Opay USSD Code to transfer money to another Opay user is *955*1*amount*accountnumber#. Using this shortcode, you will be able to transfer money from your Opay account to another Opay user’s account.

How to transfer money to another Opay account using Opay USSD Code

To send money from your Opay account to another Opay user using the USSD Code, follow the below steps:

Dial the shortcode *955*1*amount*accountnumber#
Validate the name displayed on your screen if it matches the Opay account owner
Enter your Opay transaction PIN
Once you submit it, the money will be sent to the recipient

Opay USSD Code to Buy Airtime

The Opay USSD Code to buy airtime is *955*3*amount# if you are recharging the phone number linked to your Opay account or use *955*3*amount*phonenumber# if you want to recharge a different phone number.

How to buy airtime using Opay USSD Code

If you want to buy airtime for yourself using the Opay USSD Code, follow the steps below:

Dial the shortcode *955*3*amount#
Enter your Opay transaction PIN
Once you submit it, your phone number will be recharged

If you want to buy airtime for a different phone number using the Opay USSD Code, follow the steps below:

Dial the shortcode *955*3*amount*phonenumber#
Enter your Opay transaction PIN
Once you submit it, the provided phone number will be recharged

Opay USSD Code to Check Account Balance

The Opay USSD Code to check your account balance is *955*0#. When you dial this Opay shortcode, your latest account balance will be displayed on your screen.

How to check account balance using Opay USSD Code

If you want to check your Opay account balance using the USSD Code, follow the steps below:

Dial the shortcode *955*0#
Enter your Opay transaction PIN
Once you submit it, your latest Opay account balance will be displayed

Opay USSD Code to Buy Data

The Opay USSD Code to buy data is *955*4*amount#. Using this shortcode will enable you to recharge your registered Opay phone number with data for internet connectivity.

How to buy data using Opay USSD Code

If you want to recharge your phone number with data using the Opay USSD Code, follow the steps below:

Dial the shortcode *955*4#
Select the data plan of your choice from the displayed mobile network plans
Enter your Opay transaction PIN
Once you submit it, your phone number will be recharged with data

Opay USSD Code to Fund Betting Account

You can fund your betting account using the Opay USSD Code *955*5#. By dialling this Opay betting shortcode, you will be able to recharge your account with popular betting service providers.

How to fund your betting account using Opay USSD Code

If you want to credit your betting account through the Opay USSD code, use the steps below:

Dial the shortcode *955*5#
Enter the amount you want to fund
Select the betting provider you want to fund from the list that includes Bet9ja, SportyBet, Betway, MerryBet, BetKing, Frapapa etc.
Provide your account ID maintained with the selected bookmaker
Confirm the name matches the bet account owner
Enter your Opay transaction PIN
Once you submit it, the account will be funded

Opay USSD Code to Fund Lotto Account

You can fund your lotto account using the Opay USSD Code *955*5#. By dialling this Opay shortcode, you will be able to recharge your account with popular lotto service providers.

How to fund your lotto account using Opay USSD Code

If you want to credit your lotto account through the Opay shortcode, follow the process below:

Dial the shortcode *955*5#
Enter the amount you want to credit to the Lotto account
Select the lotto provider you want to fund from the list that includes MegaMillions, iLot, Mylottohub, Naira Million etc.
Provide your account ID maintained with the selected lotto company
Confirm the name matches the intended account
Enter your Opay transaction PIN
Once you submit it, the account will be funded

Opay USSD Code for OTP

The Opay USSD Code for OTP is *955*010#. With this Opay shortcode, you can get OTP for authorising actions like logging into your account and authorising online transactions done through third-party channels.

How to get OTP using the Opay USSD Code

If you need OTP and you are not receiving it as an SMS to your number, you can follow the steps below to retrieve it via USSD:

Dial the shortcode *955*010# from your registered Opay number
Once dialled, the OTP will be generated and displayed on your screen
Simply enter the one-time password in the field where authorisation is needed and submit it to authorise the action
Once you submit it, the account will be funded

Opay Loan USSD Code

You can dial the shortcode *955# to see if you can take a loan from the Opay USSD channel menu items. For more loan options, read our comprehensive list on USSD Code for Loan in Nigeria.

How to check if you can take a loan using the Opay USSD Code

If you want to check if it is possible to take a loan using the Opay shortcode:

Dial the shortcode *955#
Review the list of options displayed
If there is an item for a loan, it means you might be eligible to take some soft credit
If none, it means this option is not available yet
Enter your Opay transaction PIN
Once you submit it, the account will be funded

Opay USSD Code for ATM Card Activation

The Opay USSD code to activate your ATM card is *955*03121#. By dialling this shortcode, you will be able to activate your Opay ATM debit card using your mobile phone without having to visit the nearest ATM centre.

How to activate your Opay ATM debit card using the USSD Code

If you want to activate your debit card using the Opay shortcode, follow the steps below:

Dial the shortcode *955*03121# from your registered Opay number
Enter the default PIN
Create a new PIN you will be using to authorise payments
Once done, submit to activate your debit card

How to block Opay debit card?

To block your OPay ATM card you would need to contact the OPay customer care.

Opay USSD Code for Electricity Payments

The Opay USSD code for making electricity payments is *955*6#. With this Opay shortcode, you can pay your bills for Ikeja Electric, AEDC, Eko Electricity Disco, EEDC and others conveniently on your mobile phone.

How to pay your bills and buy electricity tokens using the Opay USSD Code

If you want to activate your debit card using the Opay shortcode, follow the steps below:

Dial the shortcode *955*6#
Enter the amount you want to pay
Select the disco you want to pay for from the list that includes Ikeja Electric, EKEDC, EEDC, AEDC etc.
Select the payment type from postpaid or prepaid
Provide your customer ID or metre number maintained with the selected disco company
Confirm the name matches the intended account
Enter your Opay transaction PIN
Once you submit it, the account will be funded for postpaid and if you made it for a prepaid account, you will get a token delivered to you

USSD Code to Fund Opay Account

The USSD code to fund an Opay account differs depending on the sending financial institution. If you want to pay money into your Opay account through the USSD service, you will need to use a third-party USSD channel from banks and other FIs.

The below show some banks and their respective shortcodes you can use to fund your account.

Transfer money from GTBank to Opay Account Using USSD Code

The GTBank USSD code *737# can be used to fund your Opay account.

If you are sending money from a GTBank account to Opay using a USSD code, follow the below steps:

Dial the shortcode *737*2*Amount*OpayAccountNumber#
Select Opay as the receiving institution
Validate the name of the Opay account owner displayed on your screen
Enter your Opay transaction PIN
Once you submit it, the money will be transferred from your GTBank account to the Opay account number provided

Transfer money from Zenith Bank to Opay Account Using USSD Code

The Zenith Bank USSD code *966# can be used to fund your Opay account.

If you are sending money from your Zenith Bank account to Opay using a USSD code, follow the below steps:

Dial the shortcode *966*Amount*OpayAccountNumber#
Select Opay as the receiving institution
Validate the name of the Opay account owner displayed on your screen
Enter your Opay transaction PIN
Once you submit it, the money will be transferred from your Zenith Bank account to the Opay account number provided

Transfer money from First Bank to Opay Account Using USSD Code

The First Bank USSD code *896# can be used to transfer money to your Opay account.

If you are sending money from your First Bank account to Opay using a USSD code, follow the below steps:

Dial the shortcode *896*Amount*OpayAccountNumber#
Select Opay as the receiving bank
Check to validate that the name of the Opay account owner displayed on your screen is the intended
Enter your Opay transaction PIN
Once you submit it and the PIN is valid, the money will be transferred from your First Bank account to the Opay account number provided

Transfer money from Union Bank to Opay Account Using USSD Code

The Union Bank USSD code *826# can be used to fund your Opay account.

If you are sending money from your First Bank account to Opay using a USSD code, follow the below steps:

Dial the shortcode *826*2*Amount*OpayAccountNumber#
Select Opay from the list of displayed institutions on your screen
Check to validate that the name of the Opay account owner displayed on your screen is the intended
Enter your Opay transaction PIN
Once you submit it and the PIN is correct, the funds will be sent from your Union Bank account to the Opay account number provided

Transfer money from Access Bank to Opay Account Using USSD Code

The Access Bank USSD code *926#, can be used to fund your Opay account.

You can optionally dial the shortcodes *710# and *426# if the generic USSD code for Access Bank is not working efficiently for you.

If you are sending money from your Access Bank account to Opay using a USSD code, follow the below steps:

Dial the shortcode *926*2*Amount*OpayAccountNumber#
Select Opay as the receiving bank from the list of displayed FIs
Check to validate that the name of the Opay account owner displayed on your screen is the person you want to send the funds to
Enter your Opay transaction PIN
Once you submit it and the PIN is valid, the money will be transferred from your Access Bank account to the Opay account number provided

Transfer money from UBA to Opay Account Using USSD Code

The UBA USSD code *919#, can be used to fund your Opay account.

If you are sending money from your United Bank for Africa account to Opay using a USSD code, follow the below steps:

Dial the shortcode *919*4*OpayAccountNumber*amount#
Select Opay as the receiving bank from the list of displayed banks
Check to validate that the name of the Opay account owner displayed on your screen is the person you want to send the funds to
Enter your Opay transaction PIN
Once you submit it and the PIN is valid, the money will be transferred from your UBA account to the Opay account number you provided

Opay USSD Code for MTN, Airtel, Glo, and 9mobile

When you dial the Opay USSD code on your mobile, you might be charged up to ₦6.80 which will be deducted from your Opay account balance or OWealth balance.

Though this fee is common to all the telcos, the below boxes explain a bit of the experience using the Opay shortcode with your mobile network provider.

Opay USSD Code for MTN

The Opay USSD Code on MTN is *955# and it works efficiently. If your registered Opay number is on the MTN network, you can access the USSD service channel from your mobile phone with a good experience.

To start using the Opay USSD code on MTN, follow the steps below:

Dial the shortcode *955#
Select from the list of options that include check balance, transfer, pay bills, airtime to others
Follow the step prompts as required
Enter your Opay transaction PIN when needed
Once you submit it, the requested option will be triggered and the action will be performed

Opay USSD Code for Airtel

The Opay USSD Code for Airtel is *955#. If the number you registered as your Opay account ID is on the Airtel mobile network, you can also access its shortcode service.

While this works, you might notice a lag when accessing the service via an Airtel-powered number.

If you want to start using the Opay USSD code on your Airtel number, follow the process below:

Dial the USSD code *955#
Select from the list of items displayed on your screen that include balance, transfer, pay bills, airtime to others
Follow the next steps based on the item you selected
Enter your Opay authorisation PIN
Once you submit it, the requested option will be fulfilled

Opay USSD Code for Glo

The Opay USSD Code for Glo is *955#. If the number you used for registering on Opay is a Glo phone number, you can use it to access the shortcode for performing transactions.

The experience is also fine for Glo users and you will likely be able to use it with no issue.

If you want to start using the Opay USSD code on your Glo registered number, use the process below:

Dial the USSD code *955#
Select from the list of things you can access displayed on your screen that includes balance, transfer, pay bills, airtime to others
Follow the next steps based on the item you selected
Enter your four-digit Opay authorisation PIN
Once you submit it, the requested option will be fulfilled

Opay USSD Code for 9mobile

The Opay USSD Code for 9mobile is *955#. 9mobile is another telco that works efficiently with the Opay shortcode and if your registered account ID is on this mobile network, you will possibly enjoy a good experience as well.

If you want to start using the Opay USSD code on your 9mobile number, follow the process below:

Dial the USSD code *955#
Select from the list of services displayed on your screen that include balance, transfer, pay bills, airtime to others
Follow the next steps based on the service you selected from the step above
Enter your Opay authorisation PIN
Once you submit it, the requested option will be performed and you will be notified accordingly