List of Opay ussd codes for transfer, OTP, Data, & airtime

Opay, a leading fintech company, has revolutionized the way users conduct transactions with the introduction of its USSD codes. In this comprehensive guide, we will delve into various aspects of Opay’s USSD codes, including money transfers, OTP generation, airtime and data purchases, and more.

Opay USSD Codes Overview

As of 2023, Opay has introduced a universal USSD code, *955#, simplifying a range of transactions without the need for an internet connection. Below is a detailed list of Opay USSD codes and the corresponding services:

  1. Transfer Money:
  • Opay to Opay Account: *955*1*Amount*Opay Account Number#
  • Opay to Other Bank Account: *955*2*Amount*Account Number#
  1. Airtime and Data Purchase:
  • Buy Airtime for Your Number: *955*3*Amount#
  • Buy Airtime for Other Numbers: *955*3*Amount*Your Phone Number#
  • Buy Mobile Data: *955*4*Your Phone Number#
  1. Other Services:
  • Get OTP for Transactions: *955*010#
  • Fund Betting Sites: *955*5#
  • Pay for Electricity: *955*6#
  • Check Opay Account Balance: *955*0#
  • Activate Your ATM Card: *955*03121#

Opay USSD Code Transactions

Sending Money:

To transfer funds using Opay USSD code:

  1. Dial *955# from your registered phone.
  2. Choose option 1.
  3. Enter the recipient’s Opay account or phone number.
  4. Input the amount and your Opay security pin.
  5. If necessary, enter Opay OTP received on your registered number.

Airtime Purchase:

To buy airtime using Opay USSD code:

  1. Dial *955# from your registered phone.
  2. Select option 2.
  3. Enter the receiver’s phone number.
  4. Specify the airtime amount.
  5. Input your Opay OTP.

Funding Betting Account:

Follow these steps to fund your betting account:

  1. Dial *955# from your Opay phone.
  2. Choose the 4th option.
  3. Select your betting company and enter your account ID.
  4. Specify the funding amount.
  5. Enter your Opay OTP.
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Withdrawing Money:

To withdraw funds using Opay USSD code:

  1. Dial *955# from your registered phone.
  2. Select option 3.
  3. Enter the POS agent’s Opay phone number.
  4. Specify the withdrawal amount (including the fee).
  5. Input your Opay OTP.

Opay USSD Code vs. Opay App

While the Opay app is user-friendly, the USSD code offers advantages:

  • No Data Requirement: USSD code transactions don’t rely on data.
  • Accessibility: Works on all phone types, including regular phones.
  • Speed and Reliability: Faster and more reliable for dataless transactions.


What is Opay OTP Used For?

Opay OTP is used for security, securing your account from unauthorized transactions.

Does Opay Have a USSD Code?

Yes, Opay’s USSD code is *955#, enabling various banking transactions without internet access.

How to Use Opay USSD Code?

Simply dial *955# from your mobile phone and follow the on-screen instructions for desired transactions.

How to Fund Opay with USSD?

To fund your Opay account using USSD, dial *955# and follow the provided options.


With Opay’s innovative USSD codes, users can conduct a wide array of transactions without relying on internet connectivity. This comprehensive guide equips you with the knowledge to navigate Opay’s USSD system for seamless and secure financial transactions. Embrace the convenience of Opay USSD codes for a network-independent banking experience.

Ibrahim Ismail

A passionate and highly skilled individual who has seamlessly blended the worlds of statistics, technology, and finance.

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