Opay is one of Nigeria’s most popular financial service platforms, offering a range of transactions through its mobile app. However, Opay also provides a convenient USSD code system for people who don’t always have internet access. Whether you want to transfer money, buy airtime, or even apply for a loan, Opay’s USSD code simplifies financial services.
In this guide, we will explore all the Opay USSD codes, including how to use them for transfers, checking your balance, buying data, and more.
What is the Opay USSD Code?
Opay’s USSD (Unstructured Supplementary Service Data) system enables you to perform transactions on your mobile phone without needing an internet connection. For Opay, this is a game-changer, as it offers users easy access to a wide range of financial services with just a few simple codes.
All you need to access Opay services is to dial *955# on your registered mobile number, and you’ll have access to a variety of financial services.
Why Should You Use Opay’s USSD Code?
- No Internet Needed: You can carry out transactions even without a data connection, making it perfect for users in areas with poor internet coverage.
- Ease of Access: You don’t need a smartphone to use the USSD system. A simple mobile phone will do the job.
- Speed: Transactions via USSD are often faster, especially in situations where the internet might be slow or unavailable.
Full List of Opay USSD Codes
Here is a detailed list of Opay USSD codes to help you navigate its services seamlessly:
Opay USSD Code for Transfer
One of the most important features of Opay is the ability to send money to other Opay users or any bank account in Nigeria via a simple USSD code. Here’s how to transfer money using the Opay USSD code:
- Transfer to Opay Account: Dial *955*1*Amount*Opay Account Number#.
- Transfer to Any Nigerian Bank Account: Dial *955*2*Amount*Bank Account Number#.
For example, if you want to transfer ₦5,000 to a GT Bank account, you would dial *955*2*5000*1234567890# and follow the prompts.
Opay USSD Code for OTP
For security reasons, Opay transactions are secured with a One-Time Password (OTP), which you can request using the USSD code:
- Request OTP for Transactions: Dial *955*010#.
An OTP will be sent to your registered mobile number, allowing you to complete transactions securely.
Opay USSD Code for Loan
Opay also provides loans through its platform, allowing users to access funds quickly. You can apply for a loan using the Opay USSD code:
- Access Loan via USSD: Dial *955#, follow the prompts, and select the loan option.
Please note that the amount you can borrow depends on your account verification status. Here’s How to Easily Borrow Money from Opay: Loan Up to ₦1 Million.
Opay USSD Code for Buying Data and Airtime Recharge
Opay makes it easy to recharge your phone or buy data using USSD codes:
- Buy Airtime for Yourself: Dial *955*3*Amount#.
- Buy Airtime for Others: Dial *955*3*Amount*Phone Number#.
- Buy Data: Dial *955*4*Phone Number#.
For example, to buy 1GB of data for your phone number, you would dial *955*4*YourPhoneNumber# and confirm the transaction.
Opay USSD Code to Check Account Balance
To check how much you have in your Opay wallet, use the following USSD code:
- Check Opay Balance: Dial *955*0#.
Your current balance will be displayed on your screen or sent to you via SMS.
Opay USSD Code to Block Account
If you notice any suspicious activity on your Opay account, it’s important to act fast. You can temporarily block your account or card to prevent unauthorized access:
- Block Opay Card: Dial *955*132#.
- Block Opay Account: Dial *955*131#.
Blocking your account ensures that no transactions can occur until you verify and unblock the account.
Table: List of Opay USSD Codes
Below is a comprehensive table listing all the Opay USSD codes and their functions. Each code is designed to make financial transactions easier for Opay users:
| Service | USSD Code | Description |
|---|---|---|
| Transfer to Opay Account | *955*1*Amount*Opay Account Number# | Transfer money to another Opay user |
| Transfer to Nigerian Bank Account | *955*2*Amount*Bank Account Number# | Transfer money to any bank account in Nigeria |
| Buy Airtime for Self | *955*3*Amount# | Buy airtime for your phone number |
| Buy Airtime for Others | *955*3*Amount*Phone Number# | Buy airtime for another phone number |
| Buy Data | *955*4*Phone Number# | Buy mobile data for any phone number |
| Check Account Balance | *955*0# | Check your Opay wallet balance |
| Get OTP | *955*010# | Request a One-Time Password (OTP) |
| Activate Opay Card | *955*03121# | Activate your Opay ATM card |
| Fund Betting Accounts | *955*5# | Fund your betting accounts (e.g., Bet9ja, NairaBet) |
| Pay Electricity Bill | *955*6# | Pay for electricity bills from your Opay wallet |
| Block Opay Card | *955*132# | Block your Opay card in case of fraud |
| Block Opay Account | *955*131# | Block your Opay account in case of suspicious activity |
| Unblock Opay Account | *955*131# | Unblock your Opay account after resolving issues |
Frequently Asked Questions (FAQ)
1. Why Is My Opay USSD Code Not Working?
Common issues include poor network connection or insufficient airtime. Ensure your phone has enough airtime and try again.
2. How Do I Unblock My Opay Account?
To unblock your account or card, you can dial *955*132# for the card or *955*131# for the account.
3. What is the USSD code for Opay?
The USSD code for Opay is *955#. Dialing this code allows you to access a menu of services such as money transfers, airtime purchases, and balance checks.
4. Is There a Daily Limit for USSD Transactions?
Yes, there are limits depending on your verification level. Basic accounts (Tier 1) have lower limits, while fully verified accounts can transact more.
Conclusion
Opay’s USSD code service offers a range of financial services without needing an internet connection, making it an essential tool for many Nigerians. Whether you want to transfer money, buy airtime, request an OTP, apply for a loan, or check your account balance, Opay’s USSD code makes it all possible with a few simple steps.
By using this guide, you now have the knowledge to fully take advantage of all the Opay USSD codes, simplifying your day-to-day financial transactions.
