Looking for the latest OPay USSD code and how to use it in 2026? Whether you want to transfer money, buy airtime, pay bills or check your balance, you don’t need the internet. Just dial *955# from the phone number linked to your OPay account.
Key Highlights
- The OPay USSD code is *955# and it still works in 2026.
- You must dial from the phone number registered to your OPay account.
- Shortcuts include *955*0# for balance and *955*2*Amount*AccountNumber# for bank transfers.
- Lost your phone? Dial *955*131# to block your account or *955*132# to block your card.
- Never share your PIN with anyone, including people claiming to be OPay staff.
This 2026 guide covers how OPay USSD banking works, the full list of codes, how to register and answers to common questions.
What Is the OPay USSD Code?
The official OPay USSD code is *955#. It lets OPay users access banking services without an internet connection, on any phone. With it you can:
- Open a new OPay account
- Transfer money to OPay users and other banks
- Buy airtime and data
- Pay electricity, betting and other bills
- Withdraw cash through OPay agents
- Activate or block your OPay card
Note: You must use the phone number linked to your OPay account.
How to Activate OPay USSD in 2026
- Create an OPay account on the OPay app or through an OPay agent.
- Use your registered phone number. USSD only works from the number linked to your account.
- Dial *955# and follow the prompts to activate USSD access.
- Set your transaction PIN to authorise all future transactions.
Once set up, you can bank 24/7, even without data or a smartphone.
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Complete List of OPay USSD Codes (2026)
| Function | USSD Code |
|---|---|
| Open OPay menu | *955# |
| Check account balance | *955*0# |
| Get OTP (one-time password) | *955*010# |
| Transfer to OPay account | *955*1*Amount*AccountNumber# |
| Transfer to other bank | *955*2*Amount*AccountNumber# |
| Airtime for self | *955*3*Amount# |
| Airtime for others | *955*3*Amount*PhoneNumber# |
| Buy data | *955*4*PhoneNumber# |
| Fund betting account | *955*5# |
| Pay electricity and utility bills | *955*6# |
| Activate OPay debit card | *955*03121# |
| Block OPay account | *955*131# |
| Block OPay card | *955*132# |
Tip: OPay occasionally reorders its menu. If a shortcut fails, dial *955# and follow the on-screen options instead.
How to Withdraw Money Using OPay USSD
- Visit any OPay POS agent and dial *955#
- Select Withdraw
- Enter the agent’s phone number
- Enter the amount
- Enter your PIN to authorise
The agent then gives you the cash.
How to Create an OPay Account Using USSD
- Dial *955#
- Select Open Account
- Enter your details as prompted
- Set and confirm your PIN
- Verify your number with the OTP sent by SMS
How to Buy Airtime and Data via OPay USSD
- Airtime for yourself: *955*3*Amount#
- Airtime for others: *955*3*Amount*PhoneNumber#
- Data: *955*4*PhoneNumber#, then choose a plan and enter your PIN
How to Transfer Money with OPay USSD
- Dial *955# and select Transfer
- Choose 1 for another OPay user or 2 for a bank account
- Enter the recipient’s details and the amount
- Enter your PIN to authorise
Quick format for bank transfers: *955*2*Amount*AccountNumber#. For example, to send N5,000, dial *955*2*5000*AccountNumber#.
OPay USSD Code FAQs
Is OPay USSD safe to use?
Yes. Every USSD transaction is secured by your transaction PIN. Never share your PIN or OTP with anyone.
Do I need internet for OPay USSD?
No. Any phone with network signal can use *955#.
Are there charges for using *955#?
OPay does not charge you to dial the code, but your mobile network may apply a small USSD session fee.
What should I do if I lose my phone?
From another phone, contact OPay support immediately. You can also block your account with *955*131# or your card with *955*132# from your registered line.
Why is my OPay USSD code not working?
- Make sure you are using the SIM registered to your OPay account
- Check that you have network signal
- Confirm you dialled *955# correctly
If it still fails, contact OPay customer care through the app or website.
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