How to Block OPay Account When Phone is Stolen (2026)

Is your phone stolen? And is your mind right now on the money in your OPay account? Are you worried about how you can quickly block your OPay account?

Well, a lot of people lose their phone, and they forget that whoever is with the phone can access their OPay account, especially since your phone number is your OPay account number.

But the truth is that you don’t have to panic, because blocking your OPay account is one of the fastest things you can do, and you can do it almost immediately.

This write-up will show you everything you need to do, step by step, from blocking your SIM and your OPay account.

You will also learn what happens after you block it and how you can get everything back once you have a new SIM or phone.

How to Block Opay Account When Phone is Stolen: What You to Know

Before you start doing anything, here are a few things I really want you to understand first:

Speed matters a lot here: The moment your phone is out of your hands, whoever has it can try their luck within minutes, so you have to act very fast.
Your OPay PIN and password are what protect your money, not your phone itself. So even if the thief has your phone, they still need your PIN to move any money, unless they already know it or they’ve successfully reset it.
OPay has different options for blocking account, so you are not limited to just one option; this is actually a good thing for you.
Blocking your SIM card is just as important as blocking your OPay account because your number is your OPay account number and can be used to reset your password.
Once your account is blocked, it will stay completely frozen until you unblock it; nobody, not even OPay staff, can move money on a blocked account.

What You Need to Do First When You Lose Your Phone

Before you even block your OPay account, quickly do this:

Block Your SIM Card

Before you even touch anything about OPay, call your network provider, MTN, Airtel, Glo, or 9mobile, and block your SIM card first.

We recommend you review these resources How to Delete Opay Account: 4 Methods to Close your Account

This one is very important because, as I said earlier, your phone number is your OPay account number, so anybody that has access to your SIM can try to access your OPay account through it, change the password, and receive OTPs.

Once you block the SIM, that door closes immediately, and the thief cannot receive any OTP meant for your OPay account.

To block your SIM:

Call your network provider’s customer care line using another person’s phone.

For an Airtel line, simply dial 300 or +234 802 150 0300 from any other network.
MTN: Dial 300 or 180 from your MTN line or call +234 803 100 0180 from any other network.
Glo: Dial 300 from your Glo line (or 121) or call +234 805 002 0121 from other networks.
9mobile: Dial 200 from your 9mobile line or call +234 809 000 0300 from other networks.

When you call them:

Tell them your phone was stolen and you want the SIM blocked immediately.
They will ask you a few questions to confirm it is really you, like your full name and maybe the last number you called.
Once confirmed, they will block the SIM immediately; this stops anybody from using that number to call, receive SMS, or receive OTP.

How to Block Opay Account When Phone is Stolen

This is how to block your OPay account. There are two ways to do this, and I will explain both.

Method 1: Though OPay Customer Care line

You call the OPay customer care line on 0700 888 8328 immediately.
Explain to them that your phone has been stolen and that you want to block your account right now.
They will ask you a few security questions to confirm it’s really you.
Once they confirm your identity, they will go ahead and block the account from their end.
They may also advise you on the next steps depending on your situation.

Method 2: Through USSD Code

Dial *955*131# from any other phone close to you.
Select 1 that says “stop debit transaction.”
On the next prompt, select 1 again that says “stop debit transaction for others.”
On the next pop-up, type in your OPay number and proceed.
They’ll process your request and stop every debit transaction on the account.

We recommend you review these resources How to Open OPay Account in Nigeria: Step by Step Guide (2026)

This approach is actually faster than calling customer care because you don’t have to wait for anybody to pick up your call or explain yourself to an agent.

Just follow the prompts on the screen.

Opay further transactions will be blocked from your account immediately once you complete the process without delays.

Remember, the faster you act, the safer your money. If you can access the USSD code immediately, use it first before trying to call customer care.

How to Protect Your OPay Account

Nobody plans for their phone to be stolen, but there are things you can do now, before anything happens, that will make a situation like this much easier to handle if it ever happens again.

Always set a strong password for your OPay account.
Always hide your OPay app
Always lock your phone with either a PIN, pattern, or fingerprint.
Remember OPay’s transaction blocking USSD code *955*131# so you don’t have to search for it under pressure.
Add an email address to your OPay account if you haven’t; this gives you another way to recover or verify your account later.
Avoid saving your OPay PIN or password anywhere on your phone.
Enable extra security features on OPay

What Happens Once Your Account Has Been Blocked

Once the account is blocked, nobody can log in, nobody can transfer money out, and nobody can do anything with that account again.

At this point, your money stays dormant in your account, waiting for you until you are ready to unblock the account.

How to Unblock Your OPay Account Back

Once you have retrieved your OPay line or have a new phone, here is how you can unblock your account and continue using it:

Method 1: Using USSD Code

Dial *955# on the phone line registered to your OPay account.
Select option 99 that says “Next.”
Select option 13 that says “Manage Account.”
Select option 1 that says “Restrict Account.”
Select option 2 that says “Resume debit transaction.”
Enter your OPay PIN to confirm.

We recommend you review these resources How to Delete Transaction History on OPay—2026 Guide

2. Via Opay app

Open the OPay app and try logging in.
You’ll see a message that says your account is restricted.
Follow the screen guide to remove the restriction and resume using your account.

3. Through Customer Care line

Contact OPay support directly via email at support@opayweb.com. Or call their help center line.

FAQs About Blocking Your OPay Account

How to Block Opay Account When Phone is Stolen

You can block it by calling the OPay customer care line on 0700 888 8328 or by dialing *955*131# from any other phone.

Can I block my OPay account with a USSD code?

Yes, *955*131# is the USSD code for blocking an OPay account if you feel suspicious. It works faster, as you don’t need to speak with an agent.

How long does it take to unblock my OPay account?

Once you get your SIM replaced and verify your identity again with your NIN or BVN, unblocking is usually instant.

Is there a limit to how many times I can block and unblock my OPay account?

There is no specific limit for genuine cases like theft. But if OPay notices unusual patterns of repeatedly blocking and unblocking without a clear reason, they may restrict your account temporarily.

Conclusion

Losing your phone is already stressful on its own; you don’t need your OPay added to that stress, so the moment you realize your phone is stolen, don’t waste time.

Block your SIM card first through your network provider, then block your OPay account through *955*131# or by calling their customer care line on 0700 888 8328, and you’re safe.

Once you get a new SIM and your OPay line is active, you can go ahead and unblock your account by dialing *955*99*13#, select option 1, and you will be able to resume debit transactions, and that’s all.

How to Block Opay Account When Phone is Stolen

How to Block Opay Account When Phone is Stolen: What You to Know