The OPay USSD code allows eligible customers in Nigeria to access supported financial services through their mobile phones without opening the OPay app or using mobile internet. It can be useful when your mobile data runs out, your smartphone is unavailable, or you need to use a basic mobile phone.
The main OPay USSD code in Nigeria is *955#. Dialing this code opens the available service menu, where you can check which services are supported for your account.
In this guide, you’ll learn how to use the OPay USSD service, find available transaction options, understand possible charges, protect your account, and resolve common problems.
What Is the OPay USSD Code?
The OPay USSD code is a short dialing code that allows eligible customers to access selected OPay services through their mobile network.
USSD stands for Unstructured Supplementary Service Data. This technology lets a mobile phone communicate with a service using short codes without requiring an internet connection.
The main OPay USSD code is:
*955#
Dial this code from your phone’s dialer to open the available OPay menu.
The service can be useful when:
- You have no mobile data or Wi-Fi.
- Your OPay app is not opening.
- You are using a basic mobile phone that supports USSD.
- You want to check whether a particular service is available through USSD.
- You need to secure your account or card if your phone is lost.
However, USSD still requires a functioning cellular connection. It may not work if your network is unavailable or the service is temporarily down.
OPay USSD Codes List for 2026
The following table lists the main OPay USSD code and its published security codes. Unverified transaction shortcuts are excluded to help readers avoid relying on potentially outdated or incorrect codes.
| Service | USSD code | Purpose |
|---|---|---|
| Main OPay menu | *955# |
Access the available USSD service menu |
| Lock your OPay account | *955*131# |
Lock your account for security |
| Block your OPay card | *955*132# |
Block your OPay card |
The account-locking and card-blocking codes perform different actions. Use the appropriate code for your situation and follow any instructions displayed on your phone.
For balance inquiries, transfers, airtime purchases, data purchases, and bill payments, dial *955# and check whether the relevant option appears in your current menu.
Best practice: Avoid experimenting with unfamiliar financial transaction codes. Verify any direct shortcut through OPay’s official support channels before using it.
How to Use the OPay USSD Code
To use OPay USSD, you generally need an eligible OPay account and access to the mobile number linked to it. New customers may need to register and complete the required verification before certain services become available.
Step 1: Register for OPay if You’re a New Customer
Already have an active OPay account? You can skip this step.
If you’re new to OPay, use the official OPay app or website to follow the registration instructions. Account creation may require personal information and identity verification, depending on the applicable requirements.
Visit the official OPay website to access its services.
Do not assume that you can create and fully verify an account entirely through USSD.
Step 2: Use Your Registered Mobile Number
Insert the SIM card linked to your OPay account into your phone.
Make sure the SIM is active and connected to a supported mobile network. Using a different number may prevent the service from identifying your account.
Step 3: Dial the Main OPay USSD Code
Open your phone’s dialer and enter:
*955#
Press the call button and wait for the USSD menu to appear.
Step 4: Check the Available Services
Review the menu options displayed on your phone. Select only a service that is actually listed.
The available options may depend on your account and OPay’s current service configuration. Do not assume that a transaction is supported simply because it is available in the OPay app or mentioned in another online guide.
Step 5: Complete Any Required Verification
If the menu offers a supported transaction, follow the displayed instructions and complete any required authentication.
If you cannot find the service you need, check the OPay app or contact official support. Do not use an unverified activation code or direct transaction shortcut.
How to Use the OPay USSD Code for Different Transactions
Important: These instructions apply only if the relevant service appears in your *955# menu. Available options may vary. If an option is missing, use the OPay app or contact official support.
1. How to Transfer Money Using the OPay USSD Code
If a transfer option is available:
- Dial
*955#from the number linked to your OPay account. - Select the transfer option and recipient type.
- Enter the recipient’s account details and amount.
- Verify the recipient’s name and payment details.
- Authenticate the transfer and wait for confirmation.
Always check the recipient before paying. If you transfer money to the wrong account, contact OPay immediately. Recovery is not guaranteed.
2. How to Check Your OPay Account Balance
- Dial
*955#. - Select the balance inquiry option, if available.
- Complete the requested authentication.
- Review the balance shown or sent to you.
If this option is missing, check your balance in the OPay app. Avoid unverified balance-check shortcuts.
3. How to Buy Airtime Using OPay USSD
If an airtime or recharge option appears:
- Dial
*955#and select the option. - Choose your number or enter another recipient’s number.
- Enter the recharge amount.
- Check the phone number and amount before confirming.
If airtime purchases are unavailable in your menu, use another supported OPay channel.
4. How to Buy Data Using the OPay USSD Code
- Dial
*955#and look for a data-purchase option. - Select the network and enter the recipient’s number as prompted.
- Choose an available data bundle.
- Review the bundle, price, and phone number.
- Authenticate the purchase.
Proceed only if the service appears in your menu. Confirm that the selected bundle matches the recipient’s network.
5. How to Pay Electricity Bills Using OPay USSD
If electricity payments are listed:
- Dial
*955#and select the bill-payment option. - Choose your electricity provider.
- Enter the meter or customer details and payment amount.
- Verify the information and authorize payment.
- Save the transaction reference or confirmation.
If the option is unavailable, check the OPay app for supported electricity payments.
6. How to Withdraw Money From OPay
If your USSD menu includes a withdrawal option:
- Dial
*955#and select withdrawal. - Follow the instructions for the supported agent or withdrawal channel.
- Enter the requested details and amount.
- Review the charges and authenticate the transaction.
The process depends on the withdrawal method. Never share your PIN with an agent.
7. How to Add Money to Your OPay Account
- Open the OPay app and select the funding option.
- Choose an available method, such as a bank transfer.
- Follow the instructions to complete payment.
- Check your wallet balance and transaction status.
Use only supported funding methods. Do not rely on an unverified USSD funding code.
8. How to Lock Your OPay Account if Your Phone Is Lost
The security codes listed by OPay serve different purposes:
- Lock your account:
*955*131# - Block your card:
*955*132#
If your phone or card is missing, use the relevant security option where possible and contact official OPay support. Contact your network provider to secure your missing SIM.
Never share your PIN or OTP with anyone claiming to help recover your account.
Does the OPay USSD Code Work Without Internet?
Yes. USSD is designed to work over a mobile network without requiring mobile data or Wi-Fi.
However, you still need a functioning cellular connection and access to the OPay service.
| Situation | Can OPay USSD work? |
|---|---|
| Mobile data has run out | Yes, if cellular service is working |
| Wi-Fi is unavailable | Yes, if cellular service is working |
| You use a basic mobile phone | Potentially, if the phone supports USSD |
| Your phone has no cellular signal | Usually not |
| OPay USSD is temporarily unavailable | It may fail until service returns |
| Your registered SIM is inactive | Access may be affected |
USSD can be a useful alternative when you cannot access the OPay app, but it does not eliminate the need for mobile network coverage.
Which Mobile Networks Support the OPay USSD Code?
Third-party guides report support on MTN, Airtel, Glo, and T2, formerly 9mobile. However, the official information reviewed for this article does not confirm a complete, current list.
If *955# does not work:
- Check that your SIM is active and has network coverage.
- Use the number linked to your OPay account.
- Contact OPay or your network provider to confirm compatibility.
Do not assume another bank’s USSD code will work with OPay.
Is the OPay USSD Code Free?
USSD session charges and transaction fees are separate. Possible costs include:
- Session charges: Depending on your network and service terms.
- Transfer fees: Subject to applicable OPay terms.
- Airtime and data: Based on the amount or bundle purchased.
- Bills and withdrawals: Charges may vary by transaction or provider.
Free-transfer offers may have conditions or limits. Check any displayed fees and the total deduction before confirming.
Are There Limits on OPay USSD Transactions?
Limits may depend on your verification level, transaction type, and account terms. Personal wallet limits may differ from merchant account limits.
Check your account information in the OPay app, review transaction prompts, or contact support for clarification. If a payment exceeds a limit, confirm the reason before retrying.
OPay USSD Code Not Working? Try These Fixes
1. Check Your Signal and SIM
Ensure you have cellular coverage and are using the number registered with OPay. On a dual-SIM phone, select the correct line.
2. Check the Code
Dial *955# without spaces or extra characters.
3. Retry After a Short Wait
Close the failed session and try again later. Network congestion or temporary service problems may affect access.
4. Check Your Account Status
Ask OPay whether incomplete verification or an account restriction is preventing access.
5. Contact Official Support
Use the support options in the OPay app or check the official OPay website for current contact numbers.
Never share your transaction PIN or OTP with anyone claiming to be a support representative.
What to Do if an OPay USSD Transaction Fails
A failed or delayed transaction requires a different response depending on whether your wallet was debited.
If Your Account Was Not Debited
Check the transaction details and confirm that the first attempt did not go through before trying again.
If Your Account Was Debited but the Recipient Was Not Credited
Do not immediately repeat the transfer. The transaction may still be processing.
Check the transaction status and keep the reference number. If the delay continues, contact OPay support and provide the relevant transaction details.
If Your Account Was Debited Twice
Report the duplicate debit to OPay. Provide the transaction references and explain whether the recipient received one payment or none.
If You Sent Money to the Wrong Account
Contact OPay promptly and provide the transaction details. You may also need to contact the recipient.
Recovery is not guaranteed, so check the recipient’s details before authorizing future transfers.
OPay USSD Code vs. the OPay App
Both channels provide access to OPay services, but they serve different needs.
| Feature | OPay USSD | OPay app |
|---|---|---|
| Internet required | No for USSD sessions | Generally yes |
| Smartphone required | No, if the phone supports USSD | Generally yes |
| Cellular connection required | Yes | Not necessarily if Wi-Fi is available |
| Transaction options | Limited to the available menu | Broader range of app features |
| Account information | Depends on the USSD service | More detailed account and transaction information may be available |
| Best use | Checking for supported services without mobile internet | Account management and services requiring the app |
Use USSD when you need a supported service without internet access. Use the app when you need additional account information, more service options, or a convenient way to review transaction history.
Safety Tips for Using the OPay USSD Code
USSD is convenient, but you should still follow basic financial security practices.
- Verify recipients: Check the displayed name and account details before confirming a transfer.
- Protect your PIN: Never disclose it to another person.
- Avoid rushing: Read each prompt carefully before selecting an option.
- Keep transaction records: Save confirmation messages and reference numbers.
- Avoid duplicate payments: Check the first transaction’s status before trying again after an error.
- Use official support: Contact OPay through its official website, app, or verified customer service channels.
- Secure a lost phone: Use the appropriate official security code and contact your mobile network provider.
- Be cautious of fake support agents: Never authorize a transaction at another person’s request merely to supposedly protect your funds.
If someone asks you to share your PIN, provide an OTP, or transfer money to secure your account, treat the request as suspicious.
OPay USSD Code FAQs
Final Thoughts
The OPay USSD code can help Nigerian customers access supported OPay services without mobile internet. The main code, *955#, opens the available menu, while the published security codes help customers lock their accounts or block their cards.
Not every service available in the OPay app is necessarily supported through USSD. Check your current menu before attempting a transfer, balance inquiry, airtime or data purchase, electricity payment, or withdrawal. If the option is missing, use another supported OPay channel or contact customer support.
For a safer experience, use your registered mobile number, verify transaction details, and check applicable charges before confirming payments. If a transaction fails or your account is debited unexpectedly, check its status and contact OPay support rather than immediately repeating the payment.
Because USSD menus, transaction limits, fees, and network availability can change, verify important details through OPay’s official channels before relying on them.
