Opay USSD Code Guide: Transfers, Airtime/Data Purchase, and Balance Check

Opay provides a user-friendly platform for its users to access both online and offline services without worrying about the availability of data. With Opay USSD code, you can easily transfer money, buy data, pay utility bills, and much more. Opay is one of the biggest fintech companies in Nigeria with a user base of over 40 million people. The Opay mobile app is widely known for its ease of use, making it one of the most preferred microfinance bank apps in Nigeria. The Opay USSD code is also easy to use. In this article, I will provide you with all the necessary information you need to know about how to use the Opay USSD code and applicable charges.

What is Opay and How does it work?

OPay is a digital financial services platform that provides it’s users with variety of services, including mobile money, micro-lending, and online payments. OPay uses a mobile app and USSD code to allow users to access its services. The app can be used to send and receive money, pay bills, and access other financial services. OPay is available in several countries, including Nigeria, Mexico, Egypt, and Pakistan. The platform is a convenient to send and receive payment instantly.

How does Opay USSD code works?

Opay USSD code is an offline quick and easy way to manage your finances with Opay. With Opay USSD method, you can transfer money to people, buy data or airtime, check your balance and easily pay your utility bills.

Just by dialing Opay unique USSD code *955#, you can perform various transactions. This USSD method is also an additional option for people who are using the Opay app, for example you might be facing network challenges in some certain location or maybe you ran out of data while trying to perform a transaction then you could consider to go with Opay USSD code method.

How to transfer money using Opay USSD code

Just like I said earlier, you can also transfer money to people through the Opay USSD method, here are steps:

  • Dial *955# using the number linked to your Opay account.
  • Then select the “Transfer” option from the list.
  • Next, choose if you’re sending to fellow Opay user or other Bank user
  • Enter the 10-digit recipient account number to proceed
  • Then choose the recipient bank name, if you’re finding it difficult to find the bank, enter the first 3 letters it start with for example “Access bank” you could type “acc“.
  • Enter amount to send
  • Finally, enter the 6 digit login code you use while login to your Opay app.

How to check your balance through Opay USSD method

Yes, you can also check your balance through Opay USSD method. Here are the steps to follow:

  • Dial *955# with the same line you registered with Opay.
  • Select the 4th option, which is “check balance
  • Enter your Opay 6 digit PIN
  • Your current Opay wallet balance will be display.
  • Alternative: Dial *955*4# and follow the steps listed above.

How to buy Airtime/Data through Opay USSD code

You can also purchase airtime/data bundles by following the steps listed below:

  • Dial *955# using the number linked to your Opay account.
  • Select the 2nd options, Airtime/Data
  • Choose the option you want either 1 for Airtime or 2 Data
  • Enter phone number to recharge or buy bundle
  • Select network service either MTN, Airtel, GLO, or 9Mobile
  • Enter airtime price or data bundles
  • Enter your 6 digit login PIN
  • Alternative: Dial *955*2# and follow the steps above.

How to pay Electricity bill through Opay USSD code

You can easily pay your Electricity and other utility bills through Opay by using the USSD code. Here are the steps:

  • Dial *955# using the number linked to your Opay account
  • Choose NO. 3 option, Betting & Electricity
  • Select NO 2 option, “Pay Electricity Bill”
  • Then, you will be required to enter your electricity provider, account number and meter serial/ID number.
  • After inputting the details, confirm the payment details and continue
  • Enter your 6 digit login PIN
  • Upon successful subscription, you will receive an SMS with your token.
  • Alternative: Dial *955*3# and follow the steps above.

Opay USSD method for funding Betting accounts

You can choose to fund your betting account using Opay, with this method you can fund any betting account that is affiliated with Opay. Here are steps to fund your betting account through Opay USSD method:

  • Dial *955# using the number that is linked to your Opay account.
  • Choose NO. 3 option, Betting & Electricity
    Select NO 1 option, “Funding Betting Accounts”
  • Choose your preferred betting to fund (e.g Sportybet, 1xbet or BetKing)
  • Enter your betting ID and continue
  • Enter your preferred amount to fund
  • You will be required to input your 6 digit login PIN for Authentication.
  • Login to your betting account and confirm the payment.

You can also perform other transactions such as add money to your wallet, create a savings plan, Request for an Opay debit card, or even withdraw from your Opay wallet through this USSD method.

FAQs and Answers

What is Opay USSD code

Opay USSD code is a unique code that Opay users can use to perform transactions without the the need for internet connection or using the Opay app.

Are there any charges on using Opay USSD?

Yes, you would be charge ₦10 each time you dial the USSD code using the line that is linked to your Opay account, it important to take note of that.

Can I use Opay USSD code when my balance is low?

Even when your balance is low, you can utilize the Opay USSD method, then the charges fee will be deducted when you fund your account.

Why is my Opay USSD code not working?

If you find out that Opay code is not worj this might be the cause. First, check if you’re dialing the correct USSD code, secondly confirm that your mobile number is registered with Opay. If you have confirmed this, the common reason that might prohibit Opay USSD from working is network or poor signal issues.

What is Opay USSD code for MTN?

*955# is the Opay USSD code for all network be it MTN, Airtel, GLO, or 9Mobile. You just have to dial the number and get started with Opay.


In conclusion, the OPay USSD code is a convenient way to access the full range of OPay services. However, there are a few things to keep in mind when using the code. First, make sure you have the correct code and that your mobile number is registered with OPay.

Second, have enough airtime credit available to complete your transaction. Finally, if you have any problems with the code, don’t hesitate to contact OPay customer service for assistance. If you have any additional question scroll down to the comment section and I will get back to you.

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