OPay USSD Codes Updated (2026): Transfers, Airtime & Mobile Banking
OPay has become one of the most popular mobile banking platforms in Nigeria, offering fast and convenient financial services. Even without an internet connection, users can perform transactions using OPay USSD codes. Whether you want to transfer money, buy airtime, purchase data, check your balance, or manage your account, OPay’s USSD banking service makes it easy. This guide covers the latest OPay USSD codes for 2026 and explains how to use them.
In summary; To use OPay USSD banking, dial *955# from the phone number linked to your OPay account and follow the prompts to access banking services. You can transfer money, check your account balance, buy airtime, pay bills, and manage your account securely without an internet connection or smartphone.
What Is the OPay USSD Code?
The official OPay USSD code is *955#. This code gives users access to various banking services directly from their mobile phones without requiring internet access. To use the service, you must dial the code using the phone number linked to your OPay account.
OPay USSD Codes for Money Transfers
Sending money through OPay USSD is quick and secure.
Transfer to Another OPay User
Dial:
*955*1*Amount*PhoneNumber#
Example:
*955*1*5000*08012345678#
This will transfer ₦5,000 to another OPay user after PIN confirmation.
Transfer to Other Nigerian Banks
Dial:
*955*2*Amount*AccountNumber#
Example:
*955*2*10000*1234567890#
You will be prompted to select the recipient’s bank and enter your PIN to complete the transaction.
OPay USSD Codes for Airtime Recharge
OPay allows users to buy airtime for themselves or others.
Buy Airtime for Yourself
Dial:
*955*3*Amount#
Example:
*955*3*500#
This will instantly recharge your phone with ₦500 airtime.
Buy Airtime for Another Number
Dial:
*955*3*Amount*PhoneNumber#
Example:
*955*3*1000*08098765432#
This sends ₦1,000 airtime to the specified phone number.
OPay USSD Codes for Data Purchase
You can buy data bundles directly from your OPay account.
Dial:
*955*4*PhoneNumber#
After dialing, follow the on-screen prompts to select your preferred network and data bundle. The data can be purchased for yourself or another user.
OPay USSD Code for Balance Check
To check your OPay wallet balance, dial:
*955*0#
You may be asked to enter your PIN before your balance is displayed on the screen. This service helps you monitor your available funds before making transactions.
Other Useful OPay USSD Codes
Several additional codes can help you manage your account more effectively.
| Service | USSD Code |
|---|---|
| Main Menu | *955# |
| Check Balance | 9550# |
| Get OTP | 955010# |
| Fund Betting Account | 9555# |
| Pay Utility Bills | 9556# |
| Activate OPay Card | 95503121# |
| Block OPay Account | 955131# |
| Block OPay Card | 955132# |
| Check BVN | 5650# |
These codes provide quick access to important banking and security features.
How to Activate OPay USSD Banking
Before using OPay USSD banking, ensure that:
- You have an active OPay account.
- Your phone number is linked to the account.
- You have created a transaction PIN.
- Your mobile network supports USSD services.
Once these requirements are met, simply dial *955# and follow the prompts to start using OPay mobile banking services.
Benefits of Using OPay USSD Codes
Many Nigerians use OPay USSD because it offers several advantages:
- Works without internet access.
- Available on smartphones and feature phones.
- Fast and convenient transactions.
- Secure PIN authentication.
- Easy access to banking services anywhere.
These benefits make OPay USSD banking useful for users in areas with poor internet connectivity.
Frequently Asked Questions
What is the OPay transfer code?
The OPay transfer code is 955#. You can also use 9551AmountPhoneNumber# for transfers to OPay users and 9552Amount*AccountNumber# for transfers to other banks.
How do I check my OPay balance with USSD?
Dial 9550# and enter your transaction PIN to view your account balance.
Can I buy airtime using OPay USSD?
Yes. Dial 9553Amount# to buy airtime for yourself or 9553Amount*PhoneNumber# for another user.
How do I block my OPay account if my phone is stolen?
Dial 955131# immediately to block your account and prevent unauthorized transactions. You can also block your OPay card using 955132#.
Conclusion
OPay’s USSD banking service makes it possible to transfer money, buy airtime, purchase data, check balances, and manage your account without an internet connection. By simply dialing *955#, users can access a wide range of financial services anytime and anywhere. Keeping these USSD codes handy can help you perform transactions quickly and securely in 2026.
