Unlock the Power of Opay: Your Ultimate Guide to Opay USSD Codes and Services

Opay stands out as a premier financial institution revolutionizing the banking experience across Nigeria and Africa. In an industry often marked by inconsistencies, Opay delivers unparalleled service quality and seamless financial solutions. Its expanding presence throughout Africa attests to its commitment to offering a superior user experience and attracting a growing customer base.

Opay provides a comprehensive suite of services through its mobile app, web platform, and USSD codes, ensuring that users can access efficient financial solutions with ease. Whether you’re looking to send money, pay bills, or manage your finances, Opay’s versatile mobile money platform goes beyond basic transactions.

With Opay USSD codes, you can perform a wide range of transactions directly from your mobile phone, bypassing the need for internet access or app login. This feature is ideal for users who prefer quick and convenient financial management.

In this guide, we will explore the complete list of Opay USSD codes and provide detailed instructions on how to use them effectively. Whether you’re new to Opay or a long-time user, this comprehensive guide will help you maximize the benefits of your Opay account. Keep reading to discover everything you need to know about Opay USSD codes and how they can streamline your financial activities.

What is the Opay USSD Code?

The Opay USSD code, *955#, is a powerful tool that enhances your banking experience by allowing you to perform a variety of financial transactions directly from your mobile device. This convenient code facilitates tasks such as transferring money, purchasing airtime and data, making withdrawals, creating accounts, and funding other accounts—all without needing an internet connection or the Opay mobile app.

Designed to offer a seamless self-service banking experience, the *955# USSD code operates efficiently on basic mobile phones through a straightforward text-based menu. This innovation by Opay aims to improve accessibility for users who may not have smartphones or reliable internet access.

To use the Opay USSD codes, ensure your Opay account is linked to your phone number or SIM card. The *955# code is fully functional on Airtel, MTN, and 9Mobile networks in Nigeria but is not supported by the Glo network.

By dialing *955# from your mobile device, you gain instant access to a range of services. These include fund transfers, bill payments, airtime purchases for yourself or others, account balance inquiries, account creation, and more. The intuitive USSD menu makes it easy to navigate and complete transactions efficiently.

How to Open and Activate an OPay Account

To access the full range of Opay services via USSD codes, you’ll first need to set up an Opay account. Here’s a straightforward guide to get you started:

1. Download the Opay App:
   • Visit your smartphone’s app store: Google Play for Android or the Apple App Store for iOS.
   • Search for “Opay” and download the app. Install it on your device.
   • Use this link to download and enjoy a bonus of up to ₦1200.
2. Launch the Opay App:
   • Locate the Opay app icon on your home screen and tap to open it.
3. Create Your Account:
   • On the app’s home screen, select “Sign Up” or “Register” to begin the account creation process.
4. Enter Personal Information:
   • Input your full name, phone number, and email address. Ensure all details are accurate and current.
5. Verify Your Phone Number:
   • You will receive a six-digit verification code via SMS. Enter this code to confirm your phone number.
6. Set Up a Transaction PIN:
   • Create a secure PIN for your account. This PIN will be used to authorize transactions and safeguard your account.
7. Enter Your BVN (Bank Verification Number):
   • If you have a BVN, input it to increase your transaction limits. If you do not have a BVN, you can skip this step. Note that without a BVN, your daily transaction limit is ₦50,000 and the maximum account balance is ₦300,000. Your limits will increase as you provide your BVN.
8. Complete Registration:
   • After setting your PIN, you’ll receive a confirmation message indicating that your account is successfully registered. Congratulations, you’re now ready to use Opay for all your financial transactions!

Remember, there is no USSD code for account creation. Instead, you need to download and install the Opay mobile app. Once your account is set up, ensure it is linked to your mobile phone to take advantage of USSD transactions. Follow the app’s instructions for using USSD codes to streamline your financial activities.

Full List of USSD Codes for Opay

Having gained an understanding of the process of creating an OPay account, let’s explore an extensive list of OPay USSD codes for the year 2024, providing additional insights and details.

Opay USSD Codes

How to Use These Opay USSD Codes

We’ll go over the numerous transactions that may be completed using the OPay USSD code, as well as provide additional information on its functionality.

How to Transfer Money Using the Opay Transfer Code: A Quick and Easy Guide

Transferring money with Opay is simple and efficient. Here’s a step-by-step guide to using the Opay transfer code to send money to either another Opay account or a different bank:

1. Dial the Opay Transfer Code:
   • On your mobile phone, enter *955# and press the call button.
2. Select the Transfer Option:
   • Choose the “Transfer” button from the menu that appears.
3. Choose Transfer Destination:
   • Select Option 1 if you are sending money to another Opay user.
   • Select Option 2 if you are transferring funds to an account at a different bank.
4. Enter Recipient’s Account Number:
   • For Opay transfers, simply enter the recipient’s ten-digit Opay account number.
   • For bank transfers, input the recipient’s account number and then select their bank from the list provided.
5. Input the Transfer Amount:
   • Enter the amount you wish to transfer to the recipient’s account.

Following these steps will ensure your money is transferred quickly and securely. Opay’s USSD transfer code makes managing your finances easy, whether you’re sending money within the Opay network or to a different bank.

Alternatively 

Dial *955*2*Amount*Account #.

Select the preferred bank. 

To authorize the transaction, enter your Opay PIN.

How to Buy Data Using the Opay USSD Code: A Simple Guide

Purchasing data with Opay’s USSD code is quick and hassle-free. Follow these steps to buy data for yourself or someone else:

1. Dial the USSD Code:
   • On your mobile phone, enter *995# and press the call button.
2. Select Data Purchase:
   • Choose the option for “Data” from the menu that appears.
3. Enter Data Amount and Phone Number:
   • Input the desired data amount.
   • Enter the phone number you wish to recharge.
4. Authorize the Transaction:
   • Enter your PIN to confirm and authorize the purchase.
5. Receive Confirmation:
   • You will receive an SMS notification once the data recharge is successfully completed.

Using the Opay USSD code, you can effortlessly buy data for any mobile number, making it a convenient option for managing your data needs.

How to Buy Airtime Using the Opay USSD Code: A Step-by-Step Guide

Purchasing airtime with Opay’s USSD code is straightforward and efficient. Follow these easy steps to recharge your number or another number:

1. Dial the USSD Code:
   • On your phone, dial *995# and press the call button.
2. Select the Airtime Option:
   • Choose the “Airtime” option from the menu that appears.
3. Enter Details:
   • Input your mobile number and the amount of airtime you wish to purchase.
4. Authorize the Transaction:
   • Enter your PIN to confirm and complete the transaction.
5. Receive Confirmation:
   • You will receive an SMS notification once the airtime purchase is successfully processed.

Alternatively 

To recharge 500 to “08011223344”, call *955*3*500*08011223344#. Authorize the transaction by entering your PIN.

How to Fund Your Betting Account Using the Opay USSD Code: A Quick Guide

You can easily use the Opay USSD code to add funds to your betting account. Follow these steps to complete the transaction:

1. Dial the USSD Code:
   • Enter *995# on your mobile phone and press the call button.
2. Select Betting & Electricity:
   • Choose option 3: Betting & Electricity from the menu.
3. Choose Fund Betting Account:
   • Select option 1: Fund Betting Account.
4. Select Your Betting Platform:
   • Choose your preferred betting platform from the list provided.
5. Enter the Amount:
   • Input the amount you wish to deposit into your betting account.
6. Authorize the Transaction:
   • Enter your PIN to approve and complete the deposit.
7. Receive Confirmation:
   • You will receive an SMS notification once your account has been successfully funded.

Using the Opay USSD code to top up your betting account offers a quick and convenient way to manage your funds without needing to access the internet or use the mobile app.

How to Pay Your Electricity Bill Using the Opay USSD Code

Paying your electricity bill through Opay is simple and efficient. Just follow these steps:

1. Dial the USSD Code:
   • On your mobile phone, enter *995# and press the call button.
2. Select Betting & Electricity:
   • Choose Option 3: Betting & Electricity from the menu.
3. Choose Pay Electricity Bill:
   • Select Option 2: Pay Electricity Bill.
4. Enter Billing Information:
   • Provide the name of your electricity provider, your account information, and meter number.
5. Input the Payment Amount:
   • Enter the amount you wish to pay.
6. Confirm Supplier Information:
   • Verify the details of your electricity provider and payment amount.
7. Authorize the Payment:
   • Enter your PIN to approve and complete the transaction.
8. Receive Confirmation:
   • Once the payment is processed, you will receive an SMS confirmation. You may also receive a token for your payment.

How to Check Your Opay Account Balance Using the USSD Code

Checking your Opay account balance via USSD code is quick and free. Here’s how you can do it:

1. Dial the USSD Code:
   • On your mobile phone, enter *995# and press the call button.
2. Select Check Balance:
   • Choose Option 4: Check Balance from the menu.
3. Authorize the Request:
   • Enter your PIN to confirm and authorize the balance inquiry.
4. View Your Balance:
   • Your current account balance will be displayed on your phone’s screen.

This method provides a convenient way to keep track of your Opay account balance without needing internet access or the mobile app.

Alternatively 

Enter your PIN by dialing *995*0#. The Opay balance will be displayed on your screen.

How to Add Funds to Your Opay Account Using the USSD Code

Adding money to your Opay account via USSD code is straightforward. Follow these steps to top up your account:

1. Dial the USSD Code:
   • On your mobile phone, enter *995# and press the call button.
2. Select Funding:
   • Choose the option for “Funding” from the menu.
3. Choose Your Funding Method:
   • Select your preferred method for adding funds:
     • Credit Card Payment: Enter your credit card details and the amount you wish to deposit.
     • Bank Transfer: Provide your bank account number and the amount to transfer.
     • Cash Deposit through an Agency: Follow the instructions for making a cash deposit at an authorized agency.
4. Authorize the Transaction:
   • Enter your PIN to confirm and authorize the funding request.
5. Receive Confirmation:
   • Once the transaction is completed, you will receive an SMS notification. The funds will be promptly reflected in your Opay wallet.

This process ensures that your Opay account is quickly and securely funded, allowing you to use your wallet for various transactions and services.

How to Apply for an Opay Loan Using the USSD Code

Getting a loan through Opay is convenient and can be done directly from your phone using the USSD code. Here’s how to apply:

1. Dial the USSD Code:
   • On your mobile phone, enter *995# and press the call button.
2. Select the Loan Option:
   • Choose the option for “Loan” from the menu.
3. Provide Required Information:
   • Follow the prompts to input the necessary details for your loan application.
4. Wait for Approval:
   • Once your loan request is processed and approved, the funds will be credited to your Opay wallet.
5. Use Your Loan Funds:
   • You can use the money in your Opay wallet for various needs and transactions.

This USSD process makes it easy to access loans quickly without needing internet access or additional apps.

How to Withdraw Money Using the Opay USSD Code

Withdrawing money from your Opay account using the USSD code is quick and straightforward. Here’s how you can do it:

1. Dial the USSD Code:
   • On your mobile phone, enter *995# and press the call button.
2. Select Withdraw Option:
   • Choose Option 7: Withdraw from the menu.
3. Enter POS or Representative Number:
   • Input the phone number of the POS terminal or Opay representative who will process your cash withdrawal.
4. Specify the Amount:
   • Enter the amount of money you wish to withdraw.
5. Authorize the Transaction:
   • Confirm the withdrawal by entering your Opay PIN.

Once the transaction is approved, you will receive your cash from the designated POS or representative. This method provides a convenient way to access your funds without needing to visit a bank.

Tips for Maximizing the Benefits of Opay USSD Codes

Opay USSD codes offer incredible convenience for managing your financial transactions. To make the most out of these codes, consider these helpful tips:

1. Save Frequently Used Codes:
   • Streamline Access: USSD codes are designed for speed, but constantly searching for them can be time-consuming. Save your most frequently used codes to quickly access them without memorizing each sequence.
   • How to Save: Dial the USSD code as usual and follow the prompts. Look for an option to save the code, then label it with a descriptive name, such as “Airtime” or “Transfer.” This way, you can quickly locate and use it when needed.
2. Memorize Key Functions:
   • Boost Efficiency: For codes you use often, such as checking your account balance, memorizing the code can save you time. Practice dialing the code until it becomes second nature.
   • Practice and Write Down: Repeatedly use the code until you can recall it effortlessly. You might also write it down and review it regularly to reinforce your memory. This makes accessing crucial information faster and more efficient.
3. Stay Updated:
   • Leverage New Features: Opay occasionally updates its services and adds new features. Staying informed about these updates ensures you can utilize any new functionalities or improvements.
   • How to Stay Informed: Follow Opay on social media, visit their website regularly, or subscribe to their newsletter. This way, you’ll be among the first to know about changes and can take advantage of new features promptly.

By implementing these tips, you can enhance your experience with Opay USSD codes, making your financial management more efficient and convenient.

Final Thoughts

Navigating the Opay universe with USSD codes offers unparalleled convenience. The user-friendly USSD interface allows you to manage your Opay account with ease, making various transactions and services more accessible than ever. This comprehensive list of Opay USSD codes serves as a valuable resource, enabling users to perform numerous functions efficiently.

Whether you need to check your balance, transfer funds, or explore other Opay services, mastering the use of Opay USSD codes is essential for a seamless banking experience. Embrace the simplicity and effectiveness that these codes provide to enhance your Opay experience.

Frequently Asked Questions

How do I use the Opay USSD codes?

• To use Opay USSD codes:
  1. Dial the code on your mobile phone and press the call button.
  2. Follow the on-screen instructions to complete your desired transaction.
  3. You will receive a confirmation message once the transaction is completed.

Can I use the Opay USSD codes on any mobile network?

• Yes, Opay USSD codes can be used on any mobile network. Note that your mobile network operator might charge a fee for using the service.

How do I check my Opay account balance using USSD?

• To check your Opay account balance:
  1. Dial *955#.
  2. Select “My Balance” from the menu.
  3. Your account balance will be displayed on the screen.

What should I do if I forget my Opay USSD code?

• If you forget your Opay USSD code:
  1. Dial *955#.
  2. Select “Forgot PIN” from the menu.
  3. Follow the on-screen instructions to reset your PIN and recover your USSD code.

With these tips and information, you’re well-equipped to make the most out of Opay’s USSD codes and manage your financial transactions efficiently.

References

1. Monierate.com – List of Opay USSD Codes: monierate.com
2. Meltingpot Africa – Full List of Opay USSD Codes & How To Use Them: www.meltingpot.africa