Updated OPay USSD Codes (2025 )

OPay USSD Codes: If you’re a Nigerian living in Nigeria, then you know OPay. I mean, who doesn’t? OPay is one of the leading financial services platforms in Nigeria that continues to make banking and payment processes simple for millions of Nigerians. One of the ways it does this is to help its users carry out transactions seamlessly without the need for internet connectivity through its collection of USSD codes.

In this article, we will consider OPay USSD codes in 2025, what they are used for, and basically everything you need to know about activating the codes. If you’re an OPay user, or you know someone who is and might be interested in this article, keep reading, and also send this over to them.

With no further ado, let’s get right into it. 

What is OPay?

For the Nigerians, we all know what/who OPay is. But what if a Ghanaian relocated to Nigeria and wants to know more about the platform? Now you see why it’s only right we start from the very beginning, right? Exactly!

OPay is a one-stop financial service platform for payments, transfers, savings, loans, and other essential services for users and provides the best POS service for agents and acquiring service for merchants.

OPay was established in 2018, and we can all testify that they’ve been doing so well. One of the ways OPay has been able to capture the hearts of millions of Nigerians is the fact that it is very accessible and fast. Everyone has an OPay account. If you know someone who doesn’t, tell them peer pressure has nothing on them.

Currently, OPay boasts over tens of millions of users, agents, and merchants in Nigeria.

What is OPay USSD Code?

USSD codes are known as Unstructured Supplementary Service Data codes, and they are short codes that allow users to perform banking operations through their mobile phones whether or not they have access to the internet. 

OPay’s USSD codes are designed to make transactions easier, especially in areas with limited internet access or for users without smartphones. By simply dialing a code, you can access a range of financial services.

OPay USSD Codes

The OPay USSD code is *955#. It is free to use. This code allows you to perform banking transactions, including creating accounts, money transfers, airtime purchases, data purchases, withdrawals, and so on.

To use the OPay USSD code, you must have an already existing OPay account. Be sure to dial the code on the phone number or SIM connected to your OPay account.

Here’s how to activate OPay USSD Code:

1. Register with OPay

Of course you have to sign up for an Opay account. You can do this through their app or by visiting an Opay agent. Whichever is more convenient for you to do

2. Link your Phone Number

You have to make sure that your phone number is linked to your Opay account.

3. Dial *955# to register your device

When you dial the code on your mobile phone, follow the instructions on the screen to register your device for OPay USSD banking.

4. Set Up a PIN

You need a 4-digit pin to authorize your transactions, so make sure to set one up.

OPay USSD Code for Balance Check

To check your OPay account balance using the USSD code, follow these steps:

• Dial *955#. 
• Select the 4th option, “Check Balance”, from the menu. 
• Enter your PIN. 

You will receive an SMS notification containing your current account balance. 

OPay USSD code for Funds Transfer

Not only can you transfer funds from an OPay to an Opay account using the USSD codes, you can also make transfers from your OPay account to another bank account using the same codes. 

Follow these steps to transfer funds from your OPay account:

• Dial *955# on your phone. 
• Select “Transfer” from the menu options. 
• Choose the type of transfer you want to make. 
• Select option 1 to transfer money to another OPay user or option 2 to transfer money to a different bank account in Nigeria. 

For OPay transfers, you will enter the recipient’s phone number; for bank transfers, you will choose the recipient’s bank from a list and enter the recipient’s bank account number. 

• Input the amount you want to transfer. 
• Input your PIN to authorise the transaction. 

OPay USSD Codes for Data Purchase

You can also purchase data for yourself or anybody else using the OPay USSD code. Here’s how to go about it:

• Dial *955#. 
• Select the “Airtime/Data” option. 
• Choose between “Buy for self” or “Buy for others”. 

If you choose the latter, which is to buy for others, enter the recipient’s phone number. 

• Select the data bundle you want to purchase from the available options on the screen. 
• Enter your PIN to finalise the transaction. 

A much quicker way to buy data if you don’t want to go through the above route is to dial  *955*4*Phone number# to buy data on your mobile number.

OPay USSD Codes for Airtime Purchase

You can also purchase airtime either for yourself or your loved ones using the OPay USSD codes. Here’s how you can go about it:

• Dial *955#. 
• Select the “Data” option, usually option 4. 
• Choose between “Buy for self” or “Buy for others”. 

If you choose the latter, enter the recipient’s phone number. 

• Select the data bundle you want to purchase from the available options on the screen. 
• Enter your PIN to confirm the payment. 

Conclusion

Opay USSD codes in 2025 are transforming the way Nigerians handle financial transactions. You can do anything you want with these codes. The simplicity and efficiency of *955# allow users to manage their finances effortlessly, even without internet connectivity. Whether it’s transferring money, paying bills, or checking balances, Opay’s USSD codes provide a secure, reliable, and user-friendly solution.