List of OPay USSD Code in Nigeria (2026)

The easiest way to use Opay services is via the Opay USSD code. With these codes, you can transfer money, pay bills, buy airtime, and many more.

With these codes, you can access Opay services without the need to download their app. You don’t even need internet service to use the Opay USSD services.

Nigeria, USSD mobile money services are now part of everyday life. OPay allows you to send money, buy airtime, pay bills, and more via USSD codes.

You can do all of this and access all these features without the internet, using even button phone, by dialling simple codes on your phone.

This guide will show you all the important OPay codes for 2026, how each code works, Opay USSD security codes, and answer some questions that users have been asking us.

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What to Know About OPay USSD Code?

USSD stands for Unstructured Supplementary Service Data.

It’s a tech protocol that lets users access services using the *# codes on their phone, by simply dialling specific codes.

In Nigeria, USSD is popular for mobile banking and transactions.

The OPay’s USSD feature was introduced by Opay company to make financial services available and accessible to users even when:

You don’t have internet access
Your phone can’t download the app
You don’t have a smart phone to use the mobile app
You have poor network coverage
You need fast banking without logging in to the Opay app

Useful Tips

USSD codes only work if you dial them from the phone number that is linked to your OPay account.

Some Actions May Have Fees: While basic services via the Opay USSD are often free, bank transfers and some other services like bill payments may attract small fees depending on OPay’s policies.

Opay Main USSD Code

To simply interact with OPay’s system using their USSD Code, simply dial *955# on your phone.

The OPay USSD system works on all Nigerian networks including MTN, Airtel, Glo, and 9mobile.

The OPay main USSD Code is *955# but there are many other different Opay codes for different operations. All the different codes will be listed below

How to Use the Main OPay USSD Code

The most important Opay code that you need to remember is: *955#. This is the main OPay USSD Code.

This code is the main gateway to all OPay services. When you dial this code:

A menu pops up
You choose the transaction you want
Follow the steps
Enter your PIN to complete the action

Note: you must dial this code using the phone number that’s linked to your OPay account.

Full List of OPay USSD Codes (2026)

Below is a complete list of other important OPay USSD codes as of 2026:

Function	USSD Code
Access OPay USSD Main Menu	*955#
Check Wallet Balance	9550#
Transfer to OPay Account	9551AmountAccountNumber#
Transfer to Other Banks	9552AmountAccountNumber#
Buy Airtime for Self	9553*Amount#
Buy Airtime for Others	9553AmountPhoneNumber#
Buy Data	9554*PhoneNumber#
Fund Betting/Lottery	9555#
Pay Electricity Bills	9556#
Get OTP (One-Time Password)	955010#
Activate ATM Card	95503121#
Block OPay Account	955131#
Block OPay Card	955132#
Reset Transaction PIN	Dial *955# and follow the main menu prompts

Note: All the USSD codes listed above must be dialled from the phone number that is linked to your OPay account.

How Each Code Works

Below, we’ve explained how to use each code and how each code works:

1. Access the OPay USSD Main Menu

Code: *955#

This will open the OPay menu where you’ll see options like:

Transfer money
Airtime & data
Bills & utilities
Balance check
Account management

Step 1 — Dial *955#

Step 2 — Enter your PIN

Step 3 — Choose an option

2. Check Your OPay Wallet Balance

Code: *955*0#

Dialing this code will automatically display your Opay account balance instantly without having to log into the app.

3. Transfer Money to Another OPay User

Code: *955*1*Amount*AccountNumber#

Example: To send ₦2,000 to 07010474501 (assuming that’s the recipient’s OPay account), dial: *955*1*2000*07010474501#

4. Transfer Money to Other Banks

Code: *955*2*Amount*AccountNumber#

Example: To send ₦5,000 to a bank account 1234567890 (assuming that’s the recipient’s account), dial: *955*2*5000*1234567890#

5. Buy Airtime for Yourself

Code: *955*3*Amount#

Example: To buy ₦500 airtime: *955*3*500#

This will instantly recharge your Opay phone number.

6. Buy Airtime for Someone Else

Code: *955*3*Amount*PhoneNumber#

Example: To recharge a friend whose number is 08023456789 (assuming that’s the recipient’s phone number) with ₦1,000: *955*3*1000*08023456789#

7. Buy Data Bundles

Code: *955*4*PhoneNumber#

Example: To buy data for yourself or someone else, (assuming the number is 08012345678), dial: *955*4*08012345678#

You’ll be asked to choose the network and bundle.

8. Fund Betting or Lottery Accounts

Code: *955*5#

Just dial the code and follow the prompts.

9. Pay Electricity & Utility Bills

Code: *955*6#

After dialing, choose your DISCO (like IKEDC, AEDC, EEDC, PHEDC)
Enter your meter number
Enter amount, and confirm.

10. Get One-Time Password (OTP)

Code: *955*010#

If you need an OTP for authorizing transactions but can’t receive it by SMS, this code will generate the OTP and display it on the screen.

11. Activate Your OPay ATM Card

Code: *955*03121#

If you just got an OPay debit card that has not been activated yet, dial this code to activate it.

12. Block Your OPay Account (Lost Phone/SIM)

Code: *955*131#

If you lost your phone or it’s stolen, you can dial this code instantly to freeze your OPay account to prevent unauthorized access to the account.

13. Block Your OPay Card

Code: *955*132#

If your lost your OPay card, dialling this code will block the card to keep your money safe.

OPay USSD vs OPay App — Which Is Better?

Feature	USSD (*955#)	OPay App
Online Banking Without Internet	✔️	❌
Full Transaction History	❌	✔️
Investments, Savings, Cards	❌	✔️
QR Payments	❌	✔️
Basic Transfers & Airtime	✔️	✔️
Works on Feature Phones	✔️	❌

Frequently Asked Questions (FAQs)

Do I need the OPay app to use USSD?

No. Once your number is registered (either through the app or USSD sign-up), you can use *955# to access Opay services without the need for internet.

Can Opay USSD work abroad?

No. OPay USSD only works on Nigerian networks within Nigeria and not outside Nigeria.

Why can’t I see my Opay balance?

Make sure you dial *955*0# from the registered phone number and have sufficient balance to complete the process.

Can someone else use my Opay USSD code?

If the person has your phone with your registered number and PIN, then Yes, they can use your Opay USSD code. So always protect your PIN.

How to Protect my Opay Account when my phone is stolen?

Dial:

*955*131# to block your account
*955*132# to block your OPay card

OPay SWIFT Code

OPay also has an international banking code known as a SWIFT code. OPay SWIFT code is OPAHGB22. This code is useful for international money transfers only.

Conclusion

The OPay main USSD code is *955#. This USSD codes can be used to check balance, transfer funds, recharge airtime, pay bills, protect your account, etc., these codes make it easier for Opay users to access Opay services without their app.

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