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List of Working Opay USSD Codes you should save

Opay USSD code is *955# which will give you quick access to checking your balance, airtime and data recharge, bank transfer, bill payment, and others.

Banking through the Opay short code channel allows you to access your account without bothering with poor internet connectivity or a smartphone.

This is a lifesaver when you need to do transactions and you do not have access to a smartphone or in an area where there is no good network coverage for accessing the mobile app.

There are many Opay USSD codes created from its primary shortcode targeted at enabling you to open an account if you do not have one, check your balance, perform a money transfer, or buy airtime and data to a host of other things.

 

Opay USSD Codes

The below table contains the list of Opay USSD codes for managing your account through its shortcode channel:

ACTIVITY
USSD Code
Open Opay Account
*955#
Transfer to Bank
*955*2*amount*accountnumber#
Transfer to Opay Account
*955*1*amount*accountnumber#
Buy Airtime for your Opay Number
*955*3*amount#
Buy Airtime for Other Numbers
*955*3*amount*phonenumber#
Buy Data
*955*4*amount#
Check Account Balance
*955*0#
Fund Betting Account
*955*5#
Pay for Electricity
*955*6#
Get OTP
*955*010#
Activate your ATM Card
*955*03121#

 

USSD Code to Open Opay Account

 

The USSD Code to open an Opay account is *955#.

Dialling this Opay shortcode will display a menu with an option to register an Opay account for yourself.

 

How to open an Opay account using USSD Code

To open an Opay account using the USSD Code, follow the below steps:

  • Dial the shortcode *955#
  • Select register from the list of options displayed
  • In the next menu, you will be required to provide basic KYC details that include your name, date of birth and others
  • Create your transaction PIN
  • Once this is submitted, you will see a message that your account has been created and you will likely get a welcome SMS

Opay USSD Transfer Code

 

The Opay USSD transfer code is *955*2*amount*accountnumber#.

This shortcode will enable you to transfer money from your Opay account to any bank account in Nigeria with no need for a phone with an internet connection.

 

How to transfer money to a bank using Opay USSD Code

To send money from your registered Opay account to any bank using the USSD Code, follow the below steps:

  • Dial the shortcode *955*2*amount*accountnumber#
  • Select the bank from a list of institutions displayed
  • Validate the name on the account number
  • Enter your Opay transaction PIN
  • Once you submit it, the money will be sent to the recipient

 

** This string is only used when transferring money from your Opay account to another bank. It differs when you are sending to an Opay account number.

Opay USSD Code to Transfer Money to another Opay Account

 

The Opay USSD Code to transfer money to another Opay user is *955*1*amount*accountnumber#.

Using this shortcode, you will be able to transfer money from your Opay account to another Opay user’s account.

 

How to transfer money to another Opay account using Opay USSD Code

To send money from your Opay account to another Opay user using the USSD Code, follow the below steps:

  • Dial the shortcode *955*1*amount*accountnumber#
  • Validate the name displayed on your screen if it matches the Opay account owner
  • Enter your Opay transaction PIN
  • Once you submit it, the money will be sent to the recipient

Opay USSD Code to Buy Airtime

 

The Opay USSD Code to buy airtime is *955*3*amount# if you are recharging the phone number linked to your Opay account or use *955*3*amount*phonenumber# if you want to recharge a different phone number.

This Opay shortcode will enable you to buy airtime for yourself and your loved ones with no stress.

 

How to buy airtime using Opay USSD Code

If you want to buy airtime for yourself using the Opay USSD Code, follow the steps below:

  • Dial the shortcode *955*3*amount#
  • Enter your Opay transaction PIN
  • Once you submit it, your phone number will be recharged

 

If you want to buy airtime for a different phone number using the Opay USSD Code, follow the steps below:

  • Dial the shortcode *955*3*amount*phonenumber#
  • Enter your Opay transaction PIN
  • Once you submit it, the provided phone number will be recharged

 

Opay USSD Code to Check Account Balance

 

The Opay USSD Code to check your account balance is *955*0#.

When you dial this Opay shortcode, your latest account balance will be displayed on your screen.

 

How to check account balance using Opay USSD Code

If you want to check your Opay account balance using the USSD Code, follow the steps below:

  • Dial the shortcode *955*0#
  • Enter your Opay transaction PIN
  • Once you submit it, your latest Opay account balance will be displayed

Opay USSD Code to Buy Data

 

The Opay USSD Code to buy data is *955*4*amount#.

Using this shortcode will enable you to recharge your registered Opay phone number with data for internet connectivity.

 

How to buy data using Opay USSD Code

If you want to recharge your phone number with data using the Opay USSD Code, follow the steps below:

  • Dial the shortcode *955*4#
  • Select the data plan of your choice from the displayed mobile network plans
  • Enter your Opay transaction PIN
  • Once you submit it, your phone number will be recharged with data

Opay USSD Code to Fund Betting Account

 

You can fund your betting account using the Opay USSD Code *955*5#.

By dialling this Opay betting shortcode, you will be able to recharge your account with popular betting service providers.

 

How to fund your betting account using Opay USSD Code

If you want to credit your betting account through the Opay USSD code, use the steps below:

  • Dial the shortcode *955*5#
  • Enter the amount you want to fund
  • Select the betting provider you want to fund from the list that includes Bet9ja, SportyBet, Betway, MerryBet, BetKing, Frapapa etc.
  • Provide your account ID maintained with the selected bookmaker
  • Confirm the name matches the bet account owner
  • Enter your Opay transaction PIN
  • Once you submit it, the account will be funded

Opay USSD Code to Fund Lotto Account

 

You can fund your lotto account using the Opay USSD Code *955*5#.

By dialling this Opay shortcode, you will be able to recharge your account with popular lotto service providers.

 

How to fund your lotto account using Opay USSD Code

If you want to credit your lotto account through the Opay shortcode, follow the process below:

  • Dial the shortcode *955*5#
  • Enter the amount you want to credit to the lotto account
  • Select the lotto provider you want to fund from the list that includes MegaMillions, iLot, Mylottohub, Naira Million etc.
  • Provide your account ID maintained with the selected lotto company
  • Confirm the name matches the intended account
  • Enter your Opay transaction PIN
  • Once you submit it, the account will be funded

Opay USSD Code for OTP

 

The Opay USSD Code for OTP is *955*010#.

With this Opay shortcode, you can get OTP for authorising actions like logging into your account and authorising online transactions done through third-party channels.

 

How to get OTP using the Opay USSD Code

If you need OTP and you are not receiving it as an SMS to your number, you can follow the steps below to retrieve it via USSD:

  • Dial the shortcode *955*010# from your registered Opay number
  • Once dialled, the OTP will be generated and displayed on your screen
  • Simply enter the one-time password in the field where authorisation is needed and submit it to authorise the action
  • Once you submit it, the account will be funded

Opay Loan USSD Code

 

You can dial the shortcode *955# to see if you can take a loan from the Opay USSD channel menu items.

As of the last time checked, there is no option available yet that will give you access to take soft loans from Opay through the USSD service.

 

How to check if you can take a loan using the Opay USSD Code

If you want to check if it is possible to take a loan using the Opay shortcode:

  • Dial the shortcode *955#
  • Review the list of options displayed
  • If there is an item for a loan, it means you might be eligible to take some soft credit
  • If none, it means this option is not available yet
  • Enter your Opay transaction PIN
  • Once you submit it, the account will be funded

Opay USSD Code for ATM Card Activation

 

The Opay USSD code to activate your ATM card is *955*03121#.

By dialling this shortcode, you will be able to activate your Opay ATM debit card using your mobile phone without having to visit the nearest ATM centre.

 

How to activate your Opay ATM debit card using the USSD Code

If you want to activate your debit card using the Opay shortcode, follow the steps below:

  • Dial the shortcode *955*03121# from your registered Opay number
  • Enter the default PIN
  • Create a new PIN you will be using to authorise payments
  • Once done, submit to activate your debit card

Opay USSD Code for Electricity Payments

 

The Opay USSD code for making electricity payments is *955*6#.

With this Opay shortcode, you can pay your bills for Ikeja Electric, Eko Electricity Disco, EEDC and others conveniently on your mobile phone.

 

How to pay your bills and buy electricity tokens using the Opay USSD Code

If you want to activate your debit card using the Opay shortcode, follow the steps below:

  • Dial the shortcode *955*6#
  • Enter the amount you want to pay
  • Select the disco you want to pay for from the list that includes Ikeja Electric, EKEDC, EEDC, AEDC etc.
  • Select the payment type from postpaid or prepaid
  • Provide your customer ID or metre number maintained with the selected disco company
  • Confirm the name matches the intended account
  • Enter your Opay transaction PIN
  • Once you submit it, the account will be funded for postpaid and if you made it for a prepaid account, you will get a token delivered to you

USSD Code to Fund Opay Account

 

The USSD code to fund an Opay account differs depending on the sending financial institution.

If you want to pay money into your Opay account through the USSD service, you will need to use a third-party USSD channel from banks and other FIs.

The below show some banks and their respective shortcodes you can use to fund your account.

 

GTBank

Transfer money from GTBank to Opay Account Using USSD Code

 

The GTBank USSD code *737# can be used to fund your Opay account.

If you are sending money from a GTBank account to Opay using a USSD code, follow the below steps:

  • Dial the shortcode *737*2*Amount*OpayAccountNumber# 
  • Select Opay as the receiving institution
  • Validate the name of the Opay account owner displayed on your screen
  • Enter your Opay transaction PIN
  • Once you submit it, the money will be transferred from your GTBank account to the Opay account number provided

 

Zenith Bank

Transfer money from Zenith Bank to Opay Account Using USSD Code

 

The Zenith Bank USSD code *966# can be used to fund your Opay account.

If you are sending money from your Zenith Bank account to Opay using a USSD code, follow the below steps:

  • Dial the shortcode *966*Amount*OpayAccountNumber# 
  • Select Opay as the receiving institution
  • Validate the name of the Opay account owner displayed on your screen
  • Enter your Opay transaction PIN
  • Once you submit it, the money will be transferred from your Zenith Bank account to the Opay account number provided

 

first bank

Transfer money from First Bank to Opay Account Using USSD Code

 

The First Bank USSD code *896# can be used to transfer money to your Opay account.

If you are sending money from your First Bank account to Opay using a USSD code, follow the below steps:

  • Dial the shortcode *896*Amount*OpayAccountNumber# 
  • Select Opay as the receiving bank
  • Check to validate that the name of the Opay account owner displayed on your screen is the intended
  • Enter your Opay transaction PIN
  • Once you submit it and the PIN is valid, the money will be transferred from your First Bank account to the Opay account number provided
Union Bank

Transfer money from Union Bank to Opay Account Using USSD Code

 

The Union Bank USSD code *826# can be used to fund your Opay account.

If you are sending money from your First Bank account to Opay using a USSD code, follow the below steps:

  • Dial the shortcode *826*2*Amount*OpayAccountNumber# 
  • Select Opay from the list of displayed institutions on your screen
  • Check to validate that the name of the Opay account owner displayed on your screen is the intended
  • Enter your Opay transaction PIN
  • Once you submit it and the PIN is correct, the funds will be sent from your Union Bank account to the Opay account number provided
Access bank

Transfer money from Access Bank to Opay Account Using USSD Code

 

The Access Bank USSD code *926#, can be used to fund your Opay account.

You can optionally dial the shortcodes *710# and *426# if the generic USSD code for Access Bank is not working efficiently for you.

If you are sending money from your Access Bank account to Opay using a USSD code, follow the below steps:

  • Dial the shortcode *926*2*Amount*OpayAccountNumber# 
  • Select Opay as the receiving bank from the list of displayed FIs
  • Check to validate that the name of the Opay account owner displayed on your screen is the person you want to send the funds to
  • Enter your Opay transaction PIN
  • Once you submit it and the PIN is valid, the money will be transferred from your Access Bank account to the Opay account number provided
United Bank for Africa

Transfer money from UBA to Opay Account Using USSD Code

 

The UBA USSD code *919#, can be used to fund your Opay account.

If you are sending money from your United Bank for Africa account to Opay using a USSD code, follow the below steps:

  • Dial the shortcode *919*4*OpayAccountNumber*amount# 
  • Select Opay as the receiving bank from the list of displayed banks
  • Check to validate that the name of the Opay account owner displayed on your screen is the person you want to send the funds to
  • Enter your Opay transaction PIN
  • Once you submit it and the PIN is valid, the money will be transferred from your UBA account to the Opay account number you provided

 

Opay USSD Code Experience and Others

When you dial the Opay USSD code on your mobile, you might be charged up to ₦6.80 which will be deducted from your Opay account balance or OWealth balance.

Though this fee is common to all the telcos, the below boxes explain a bit of the experience using the Opay shortcode with your mobile network provider.

 

MTN

Opay USSD Code for MTN

 

The Opay USSD Code on MTN is *955# and it works efficiently.

If your registered Opay number is on the MTN network, you can access the USSD service channel from your mobile phone with a good experience.

 

How to use the Opay USSD Code on MTN

To start using the Opay USSD code on MTN, follow the steps below:

  • Dial the shortcode *955#
  • Select from the list of options that include check balance, transfer, pay bills, airtime to others
  • Follow the step prompts as required
  • Enter your Opay transaction PIN when needed
  • Once you submit it, the requested option will be triggered and the action will be performed
Airtel

Opay USSD Code for Airtel

 

The Opay USSD Code for Airtel is *955#.

If the number you registered as your Opay account ID is on the Airtel mobile network, you can also access its shortcode service.

While this works, you might notice a lag when accessing the service via an Airtel-powered number.

 

How to use the Opay USSD Code on Airtel

If you want to start using the Opay USSD code on your Airtel number, follow the process below:

  • Dial the USSD code *955#
  • Select from the list of items displayed on your screen that include balance, transfer, pay bills, airtime to others
  • Follow the next steps based on the item you selected
  • Enter your Opay authorisation PIN
  • Once you submit it, the requested option will be fulfilled
Globacom

Opay USSD Code for Glo

 

The Opay USSD Code for Glo is *955#.

If the number you used for registering on Opay is a Glo phone number, you can use it to access the shortcode for performing transactions.

The experience is also fine for Glo users and you will likely be able to use it with no issue.

 

How to use the Opay USSD Code on Glo

If you want to start using the Opay USSD code on your Glo registered number, use the process below:

  • Dial the USSD code *955#
  • Select from the list of things you can access displayed on your screen that includes balance, transfer, pay bills, airtime to others
  • Follow the next steps based on the item you selected
  • Enter your four-digit Opay authorisation PIN
  • Once you submit it, the requested option will be fulfilled
9mobile

Opay USSD Code for 9mobile

 

The Opay USSD Code for 9mobile is *955#.

9mobile is another telco that works efficiently with the Opay shortcode and if your registered account ID is on this mobile network, you will possibly enjoy a good experience as well.

 

How to use the Opay USSD Code on 9mobile

If you want to start using the Opay USSD code on your 9mobile number, follow the process below:

  • Dial the USSD code *955#
  • Select from the list of services displayed on your screen that include balance, transfer, pay bills, airtime to others
  • Follow the next steps based on the service you selected from the step above
  • Enter your Opay authorisation PIN
  • Once you submit it, the requested option will be performed and you will be notified accordingly
Opay

How to Activate Opay USSD Code

 

If you want to activate the Opay USSD Code, dial *955#.

Once you dial this code, you will see options to register for an account if your phone number is not registered or options to do actions like to check your balance, transfer, buy airtime and more if you own an account.

 

How to use activate the Opay USSD Code

If you want to start using the Opay USSD code on your phone number, follow the process below:

  • Dial the USSD code *955#
  • Once you dial this shortcode, you will see the option to register if you have no account (and you can follow the prompts to create an account) but if you have an account, you will be able to use it without extra steps
  • Follow the next steps based on the service you selected from the step above
  • Enter your Opay authorisation PIN
  • Once you submit it, the requested option will be performed and you will be notified accordingly

 

With the easiness that comes with using shortcodes, and the fact you do not have to worry about having a smartphone before you can access financial services, you can do transactions conveniently by dialling the Opay USSD code *955# to access the features that come with it.

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