Looking for the latest OPay USSD code and how to use it? Whether you want to transfer money, buy airtime, pay bills, or check your account balance — you don’t need the internet! Just dial OPay’s USSD code: 955# and enjoy fast, secure transactions from any mobile phone.
In this updated 2025 guide, we break down everything you need to know about OPay USSD banking in Nigeria — how it 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 is free to use and allows all OPay users to access banking services without an internet connection. With this code, you can:
- Open a new OPay account
- Transfer money to other banks or OPay users
- Buy airtime and data for any phone number
- Pay electricity, betting, and utility bills
- Withdraw cash via OPay agents
- Activate your OPay card
- Apply for loans
Note: You must use the phone number linked to your OPay account to access these services.
How to Register for OPay USSD Code in 2025
To get started with OPay USSD services, follow these simple steps:
- Create an OPay Account
Download the OPay app or visit an OPay agent near you to register. - Link Your Phone Number
Use the mobile number you want to activate for USSD banking. - *Dial 955# on your phone
Follow the on-screen instructions to activate USSD access. - Set Up Your PIN
Choose a secure 4- or 6-digit PIN to authorize all future transactions.
Once set up, you can access OPay banking 24/7, even without data or a smartphone.
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Complete List of OPay USSD Codes in 2025
Here’s the full breakdown of OPay USSD shortcodes and what each code does:
| Function | USSD Code |
| Open OPay Menu | *955# |
| Check Account Balance | 9550# |
| Get OTP (One-Time Password) | 955010# |
| Transfer to OPay Account | 9551AmountOpayNumber# |
| Transfer to Other Bank | 9552AmountAccountNumber# |
| Airtime for Self | 9553*Amount# |
| Airtime for Others | 9553AmountPhoneNumber# |
| Buy Data | 9554*PhoneNumber# |
| Pay Electricity Bill | 9556# |
| Betting Payment | 9555# |
| Activate OPay Debit Card | 95503121# |
| Apply for Loan | 9557# (location-dependent) |
How to Withdraw Money Using OPay USSD Code
Need to withdraw cash? Just visit any OPay POS agent and follow these steps:
- Dial *955#
- Select “Withdraw”
- Enter the agent’s phone number
- Input the amount you want to withdraw
- Enter your PIN to authorize the transaction
The agent will then give you the cash.
How to Create an OPay Account Using USSD
No smartphone? No problem! You can open a new OPay account directly from your phone:
- Dial *955#
- Select “Open Account”
- Enter your full name
- Set and confirm your PIN
- Verify your number with the OTP sent via SMS
That’s it! Your OPay account is ready.
How to Fund Your OPay Account Using USSD
To deposit money into your OPay wallet via USSD:
- Dial *955#
- Select “Add Money”
- Choose your preferred funding method (e.g., bank transfer, card)
- Follow the prompts to complete the transaction
Your wallet will be credited instantly.
How to Buy Airtime and Data via OPay USSD
Buy Airtime:
- For yourself: Dial 9553*Amount#
- For others: Dial 9553AmountPhoneNumber#
Buy Data:
- For yourself: Dial 9554*YourPhoneNumber#
- Select your preferred data plan
- Enter PIN to complete the purchase
These codes work for MTN, Glo, Airtel, and 9mobile.
How to Transfer Money with OPay USSD Code
To send money using your OPay wallet:
- Dial *955#
- Select “Transfer”
- Choose:
- 1 to send to another OPay user
- 2 to send to a bank account
- Enter recipient’s details
- Input the amount
- Enter your PIN to authorize
OPay USSD Code FAQs
Is OPay USSD Safe to Use?
Yes. OPay USSD banking is encrypted and secured by your transaction PIN. Never share your PIN with anyone.
Do I Need Internet for OPay USSD?
No, you don’t need internet or a smartphone. Any phone with a network signal can access USSD banking.
Are There Charges for Using *955#?
No. OPay USSD code is free of charge, but normal SMS charges may apply depending on your network provider.
What If My OPay USSD Is Not Working?
Make sure:
- You’re using the registered SIM on your OPay account
- Your phone has network signal
- You dialled the correct code: ** *955# **
If issues persist, contact OPay customer care via the app or website.
So, Why Use OPay USSD Code in 2025?
With over 20 million Nigerians already using OPay, the *955# USSD code is the easiest way to access digital banking — anytime, anywhere. From buying airtime to transferring funds and paying bills, it’s all just a few taps away.
Whether you’re in Lagos, Kano, Enugu, or a remote village with no internet, OPay USSD gives you the freedom to bank with ease.