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*955# Opay USSD Code To Transfer

*955# Opay USSD Code To Transfer

By January 17, 2026 Articles 0 Comments

Opay, a leading fintech platform in Nigeria, has revolutionized mobile money services by offering accessible, fast, and reliable financial solutions to millions of users. One of its most impactful features is the USSD code, which enables banking transactions without an internet connection or smartphone. This makes Opay inclusive for users in rural areas, those with basic phones, or during network outages.

The primary Opay USSD code is *955#. Dialing this code from your registered phone number opens a menu for various services like transfers, airtime purchases, bill payments, balance checks, withdrawals, and more. As of 2026, *955# remains the official and most reliable way to access Opay’s offline banking features, backed by the Central Bank of Nigeria (CBN)-licensed platform.

This comprehensive guide explores everything about the Opay USSD code—its history, how it works, step-by-step usage for key services, security tips, fees, limitations, comparisons with other platforms, and its role in Nigeria’s financial inclusion. Whether you’re new to Opay or looking to master offline transactions, this covers it all in detail.

What is USSD and Why Does Opay Use It?

USSD (Unstructured Supplementary Service Data) is a protocol that allows real-time communication between your phone and a service provider’s computer via GSM networks. Unlike apps requiring data or Wi-Fi, USSD works on any mobile phone—even feature phones—making it ideal for Nigeria’s diverse user base.

Opay introduced *955# to bridge the digital divide. While the Opay app offers advanced features like investments and loans, USSD ensures basic services reach the unbanked and underbanked. In Nigeria, where internet penetration is uneven and data costs can be high, USSD has boosted adoption. Opay’s USSD complements its app, POS agents, and debit cards, creating a multi-channel ecosystem.

How to Get Started with Opay USSD

Before using *955#, you need an active Opay account linked to your phone number (which serves as your account identifier).

Register an Opay Account:
Download the Opay app from Google Play or Apple Store, or visit an Opay agent.
Provide your phone number, BVN (for full KYC), and set a 6-digit transaction PIN.
Complete verification (Tier 1 for basic use; higher tiers unlock larger limits).

Activate USSD Access:
Dial *955# from your registered number.
Follow prompts to set or confirm your PIN if needed.
USSD is automatically available once your account is active—no extra activation required.

Note: Use the same phone number registered with Opay. Transactions require your 6-digit PIN for security.

Main Menu and Navigation

Dial *955# to access the main menu. Options typically include:

1: Transfer
2: Airtime/Data
3: Check Balance
4: Withdraw
5: Bill Payments
6: Card Services
7: Other Services (e.g., loans, savings)

Menus may vary slightly based on updates, but prompts are clear and numbered.

Key Opay USSD Services and Step-by-Step Guides

1. Check Balance

Quickly view your wallet balance offline.

Dial *955#.
Select “Check Balance” (often option 3 or *955*0# shortcut in some versions).
Enter your 6-digit PIN.
Balance displays instantly (wallet, savings if applicable).

Shortcut: Some sources mention *955*0# for direct balance check.

2. Money Transfers

Send money to other Opay users or any Nigerian bank account.

To Another Opay User:
Dial *955# > Select Transfer > Choose Opay transfer.
Enter recipient’s phone number (linked to their Opay account).
Input amount.
Confirm with PIN.
Shortcut example: *955*1# or *955*1*Amount*RecipientPhone# (varies; use menu for safety).

To Other Bank Accounts:
Dial *955# > Transfer > Other banks.
Select bank from list.
Enter account number.
Input amount.
Confirm with PIN.

Limits: Daily up to ₦500,000+ (tier-dependent); small fee may apply (e.g., ₦10-50).

3. Buy Airtime and Data

Recharge yourself or others affordably.

Airtime for Self:
Dial *955*3*Amount# (e.g., *955*3*500# for ₦500).
Confirm with PIN.

Airtime for Others:
Dial *955# > Airtime/Data > Others.
Enter phone number and amount.
Confirm.

Data Bundles:
Dial *955# > Data.
Select network (MTN, Airtel, etc.).
Choose plan and enter recipient’s number.
Shortcut example: *955*4*RecipientPhone# for data.

Opay often offers discounts or bonuses on airtime/data via USSD.

4. Bill Payments

Pay utilities, cable TV, betting, and more.

Dial *955# > Bill Payments.
Select category (e.g., Electricity, Betting, Cable).
Enter meter/smartcard number, amount.
Confirm with PIN.

Examples:
Electricity: *955*6# (follow prompts).
Betting top-up: *955*5# > Select platform (Bet9ja, SportyBet, etc.).

5. Cash Withdrawals via Agents

No ATM needed—use Opay POS agents.

Dial *955# > Withdrawal.
Enter agent’s phone number or code.
Input amount.
Confirm with PIN.
Agent receives reference; they dispense cash.

This is popular in rural areas.

6. Card Services

Manage your Opay debit card.

Activate card: *955*03121#.
Block lost card: *955*132# or *955*131# (account lock).
From official site: Quick dial *955*131# or *955*132# for security.

7. Other Features

Forgot PIN: Dial *955# > Reset option.
Block account (emergency): *955*131#.
Some users report loan access via *955*7# (check current menu).

Fees, Limits, and Charges (2026 Updates)

USSD access: Free to dial.
Most sessions (transfers, bills): ₦10 service fee (excluding airtime/data).
Transfers: Vary by amount/bank (often low or free to Opay users).
Daily limits: Tier 1 (₦50,000), Tier 3 (higher, up to ₦5M+ with BVN/full KYC).
No hidden charges; transparent in prompts.

Opay emphasizes low-cost services to promote inclusion.

Security and Best Practices

Opay USSD is secure with encryption and PIN protection.

Tips:
Never share your PIN.
Dial only from registered number.
Use *955*131#/132# to lock if phone lost.
Beware phishing—Opay never asks for PIN via SMS/call.
Monitor transactions via app when online.
Report issues to Opay support.

Comparison with Other Fintech USSD Codes

Palmpay: *426#
Moniepoint: *5573#
Kuda: No dedicated (uses bank codes)
Opay’s *955# stands out for broad services and agent network.

Opay excels in offline accessibility and incentives.

Role in Financial Inclusion and Future

Opay’s USSD has onboarded millions, supporting CBN’s cashless policy. It empowers traders, farmers, and youth in remote areas. With growing agent networks and features, it drives inclusion.

In 2026, expect enhancements like more shortcuts and integration with emerging services.

Conclusion

The Opay USSD code *955# is a game-changer for hassle-free banking in Nigeria. It offers convenience, speed, and security without internet, making finance truly accessible. Dial *955# today to experience it—whether transferring money, buying airtime, or securing your account.

For more, visit opayweb.com or the app. Stay safe and enjoy seamless transactions!

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