Complete Guide to OPay USSD Codes: Master Transactions Without Internet in Nigeria
Learn how to check balances, transfer funds, buy airtime, and secure your account using OPay’s USSD codes in 2025.
In Nigeria’s fast-paced digital economy, OPay USSD codes have emerged as a lifeline for users seeking seamless financial transactions without relying on internet connectivity. Whether you’re in a low-network area or prefer quick access via feature phones, this guide provides step-by-step instructions on leveraging OPay’s *955# USSD platform for all banking needs.
Why Use OPay USSD Codes?
- Accessibility: Works on any mobile network (MTN, Airtel, Glo, 9mobile).
- Speed: Instant transactions without app downloads or data charges.
- Security: PIN-protected operations and emergency lock features.
- Affordability: Low service fees (N10 per transaction, excluding airtime/data purchases).
Step-by-Step Tutorial: How to Use OPay USSD Codes
1. Register Your OPay Account via USSD
Before initiating transactions, ensure your phone number is linked to an OPay account:
- Dial *955# from your registered SIM.
- Select “Register” and follow prompts to enter your name and create a 4-digit PIN.
- Verify your account via OTP sent to your phone.
2. Check Your Account Balance
- Option 1: Dial *955# → Select “Check Balance” → Enter PIN.
- Option 2: Direct code: *955*0# → Enter PIN.
Result: Your balance appears on-screen and via SMS.
3. Transfer Funds
- To another OPay user:
Dial *955# → Select “Transfer” → Enter recipient’s phone number → Input amount → Confirm with PIN. - To a bank account:
Dial *955# → Select “Bank Transfer” → Choose bank name → Enter account number → Input amount → Confirm with PIN.
4. Buy Airtime or Data
- Airtime (Self): Dial *955*2# → Enter amount → Confirm with PIN.
- Airtime (Others): Dial *955# → Select “Airtime” → Enter recipient’s number → Input amount → Confirm.
- Data Bundles: Dial *955# → Select “Data” → Choose network → Select plan → Confirm payment.
5. Withdraw Cash from OPay Agents
- Dial *955# → Select “Withdraw”.
- Enter the agent’s phone number and withdrawal amount.
- Confirm with PIN and collect cash from the agent.
6. Secure Your Account in Emergencies
- Lock OPay Account: Dial *955*131# → Instantly blocks transactions if your phone is stolen.
- Lock OPay Card: Dial *955*132# → Prevent fraudulent card usage.
7. Pay Utility Bills
- Dial *955# → Select “Bills”.
- Choose biller type (e.g., electricity, cable TV).
- Enter customer ID and amount → Confirm with PIN.
Pro Tips for Efficient Usage
- Save Shortcuts: Memorize direct codes like *955*0# (balance) or *955*2# (airtime) for faster access.
- Avoid Fees: Use USSD for free balance checks; other transactions incur N10 fees.
- Network Flexibility: Works across all Nigerian networks without SIM restrictions.
