OPay USSD codes have emerged as a convenient and accessible solution for users looking to manage their financial transactions swiftly and securely.
As mobile banking continues to evolve, USSD (Unstructured Supplementary Service Data) codes have become an essential tool for accessing financial services without the need for a smartphone or internet connection.
This technology is particularly advantageous in regions where internet access may be limited, providing financial inclusivity and ease of use.
OPay, a prominent mobile payment platform, has harnessed the power of USSD codes to offer its users a straightforward and efficient way to perform various transactions.
Whether you need to check your account balance, transfer money, pay bills, or purchase airtime, OPay USSD codes make the process seamless by allowing users to dial a simple string of characters on their mobile phones.
This system is designed with user-friendliness in mind, ensuring that even those unfamiliar with digital banking can navigate its functions effortlessly.
By dialing 955#, users can access a menu of options, guiding them through each transaction step with clear instructions.
This not only enhances the user experience but also expands OPay’s reach to a broader audience, solidifying its role as a key player in digital financial services.
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Benefits Of Using Opay Ussd Codes
Using Opay USSD codes like 955# offers fast, secure, and internet-free access to financial services across Nigeria. It’s especially valuable for users with basic phones or limited connectivity.
- No Internet Required
- Works on any GSM phone, even without data or smartphone access.
- Ideal for rural areas or during network outages.
- Speed and Convenience
- Transactions like transfers, airtime recharge, and bill payments are completed in seconds.
- Just dial *955# and follow simple prompts.
- Security
- Every transaction is protected by your unique 6-digit PIN.
- Sessions automatically time out to prevent unauthorized access.
- Cost-Effective
- Most transactions incur a flat fee of ₦10.
- Airtime and data purchases are typically free of extra charges
- Device Compatibility
- Works on MTN, Airtel, and 9Mobile networks.
- No need for a smartphone or app download.
- 24/7 Availability
- Accessible anytime, anywhere—no need to visit a bank or agent.
- Inclusive Access
- Empowers users who may not be tech-savvy or have access to mobile apps.
- Makes financial services more democratic and widespread
How To Activate And Use Opay Ussd Codes
Activating and using Opay USSD codes is simple and designed for users who want fast access to financial services without needing internet or a smartphone. Here’s a complete guide to get you started:
- Dial
*955#from your registered phone number - You’ll be prompted to enter your PIN to confirm identity
- Once verified, you’ll gain access to the full USSD menu
- If it’s your first time, you may be asked to set or confirm your transaction PIN.
Read: Opay office Address location in Nigeria and customer care number and email address
How to Use Opay USSD Features
| Function | USSD Code | Description |
|---|---|---|
| Check Balance | *955*4# |
View your Opay wallet balance |
| Transfer to Opay | *955*1*Amount*PhoneNumber# |
Send money to another Opay user |
| Transfer to Bank | *955*2*Amount*AccountNumber# |
Send money to any Nigerian bank account |
| Buy Airtime | *955*Amount# |
Recharge your line instantly |
| Buy Data | Dial *955# and follow prompts |
Purchase mobile data |
| Withdraw Funds | Dial *955#, select “Withdraw” |
Withdraw via Opay agent |
| Pay Bills | Dial *955#, select “Pay Bills” |
Pay electricity, cable, and other bills |
| Fund Betting Account | Dial *955#, select “Betting” |
Top up your betting wallet |
| Save Money | Dial *955#, select “Savings” |
Deposit into your savings account |
Notes
- Works on MTN, Airtel, and 9Mobile networks.
- Not supported on Glo.
- Transactions are protected by your 4-digit PIN.
- Available 24/7, even without internet access.
Common Transactions Via Opay Ussd
Using Opay’s USSD code *955# gives you access to a wide range of everyday financial transactions—without needing internet or a smartphone. Here’s a breakdown of the most common ones:
Common Transactions via Opay USSD (*955#)
| Transaction | USSD Format / Steps | Purpose |
|---|---|---|
| Check Balance | *955*4# |
View your Opay wallet balance |
| Transfer to Opay | *955*1*Amount*PhoneNumber# |
Send money to another Opay user |
| Transfer to Bank | *955*2*Amount*AccountNumber# |
Send money to any Nigerian bank account |
| Buy Airtime | *955*Amount# |
Recharge your own line instantly |
| Buy Airtime for Others | *955*3*Amount*PhoneNumber# |
Recharge someone else’s line |
| Buy Data | Dial *955#, select “Airtime/Data” |
Purchase mobile data for self or others |
| Withdraw Funds | Dial *955#, select “Withdraw” |
Withdraw via Opay agent |
| Pay Bills | Dial *955#, select “Pay Bills” |
Pay electricity, cable TV, and other utilities |
| Fund Betting Account | Dial *955#, select “Betting” |
Top up your betting wallet (e.g., Bet9ja, 1xBet) |
| Save Money | Dial *955#, select “Savings” |
Deposit into your savings account |
| Open Account | Dial *955#, select “Open Account” |
Create a new Opay wallet |
who is the owner of opay
- Parent Company: Opera Limited
- A publicly traded company listed on NASDAQ under the ticker symbol OPRA
- Originally known for its web browser, Opera expanded into fintech with Opay in 2018
Read: How to register for US Bank Online Banking and Mobile App
is opay safe to operate in Nigeria?
Yes, Opay is safe to operate in Nigeria. It is regulated by the Central Bank of Nigeria (CBN) and insured by the Nigeria Deposit Insurance Corporation (NDIC), making it a secure platform for financial transactions.
Why Opay Is Considered Safe in Nigeria
- Regulated by CBN Opay is a licensed mobile money operator under the supervision of the Central Bank of Nigeria. This ensures it follows strict financial and operational guidelines
- NDIC Insurance Funds held in Opay wallets are insured by the Nigeria Deposit Insurance Corporation, offering protection similar to traditional banks
Read: How to register for Bank of America Online banking and mobile app & transfer money
what service does opay offers?
Opay offers a wide range of digital financial services in Nigeria, including mobile payments, banking, savings, bill payments, and merchant solutions.
Digital Banking
- Opay Wallet: Send, receive, and store money securely.
- Bank Transfers: Transfer funds to any Nigerian bank account.
- Opay Debit Card: Use at ATMs, POS terminals, and online platforms with zero maintenance fees.
Mobile Payments
- Airtime & Data Purchase: Recharge for all major networks with bonuses.
- Bill Payments: Pay electricity, water, cable TV, and internet bills.
- Betting Wallet Funding: Top up accounts like Bet9ja, 1xBet, etc.
Savings & Investment
- Owealth: Earn daily interest on wallet balance while maintaining full access.
- Fixed & Target Savings: Set financial goals and earn competitive interest rates.
Merchant & POS Services
- POS Terminals: For businesses to accept card payments.
- Fund Settlement: Fast and reliable payment processing for merchants.
- Business Expansion Tools: Marketing and system integration support for SMEs.
Financial Inclusion
- USSD Access (955#)*: Enables transactions without internet or smartphone.
- Agent Network: Thousands of agents across Nigeria for cash-in/cash-out services.
International Services
- Remittances: Receive money from abroad via partners like WorldRemit.
Opay is designed to serve both the banked and unbanked populations, making financial services more inclusive and accessible.