All OPay USSD Codes (2026): Transfer, Balance & More

This article is about the current Opay USSD codes as of today. Opay is a top financial organisation that operates in Nigeria and other African countries. Due to the inconsistent nature of financial organisations, Opay provides its users with a better experience. From seamless transactions to quality financial solutions, the company has expanded its shores across Africa while gaining more customers. 

In a bid to help customers enjoy smooth financial services, Opay has a mobile application, online services, and USSD Codes. With the USSD Codes, you can easily perform numerous transactions without logging into the app or even using online services. All you need is a simple mobile phone that allows you to carry out transactions from your account. 

Keep reading as we examine the full list of Opay USSD Codes and how to use them. 

What is Opay USSD Code? 

The Opay USSD Code as of today is *995#. It is a unique self-service code that allows users to perform numerous transactions like account creation, fund transfers, and withdrawals, data or airtime purchases, or even make bill payments via a basic phone. 

Users of MTN, 9mobile, and Airtel can use the Opay USSD Code. Only the Glo network users cannot. Also, to be able to use the text-based self-service, you must have an Opay account and the mobile number of the SIM linked to the account. Then, you can transfer money, buy airtime for yourself or even data for others, create a new account, check account balances, and carry out several services. 

How to Create an Opay account

To get started with using USSD codes, you need to have an Opay account. Here is how to create an opay account today; 

• Download the Opay app from the Play Store or Apple App Store 
• Open the app and click on Create Account 
• Input your correct details like name, email address, phone number, and lots more. 
• Create a password and transaction PIN (do not disclose to anyone) 
• Verify your account and provide all necessary details to determine the “Tier” you want to belong. 

Tier 1 

Daily Transaction Limit – #50,000.00 

Maximum Account Balance – #300,000.00 

Tier 2

Daily Transaction Limit – #200,000.00 

Maximum Account Balance – #500,000.00 

Tier 3 and Merchant Account 

Daily Transaction Limit – #5,000,000.00 

Maximum Account balance – Unlimited 

Upon successful verification, you can begin to use the Opay account. 

Now, you can use your Opay account to make transfers, buy data and airtime, and pay for all kinds of bills. 

How to Transfer Money Using the Opay Transfer Code

You can transfer money to another Opay account or another bank with the following steps;

• Dial *955# on your Opay number 
• Click on Transfer 
• Choose option 1 to transfer to another Opay user or option 2 to another bank. 
• Input the account number of the recipient (10 digits). 
• Also, choose the recipient’s bank if it’s not Opay. 
• Input the amount you want to send to the recipient. 

If you do not want the above option due to several prompts, you can follow this alternative option;

• Dial *955*2*Amount*Account Number#.
• Choose the desired bank. 
• Input your Opay PIN to authorise the transaction. 

See an example below;

To send 5000 to a UBA account with the account number “2001234567”, dial *955*2*5000*2001234567#. Choose UBA and input your PIN to authorise the transaction. 

It is important to note that once your transfer has been authorised, you cannot undo the transaction. 

How to Buy Airtime Using the USSD Code For Opay 

To buy airtime for your number or another number using Opay, follow these processes;

• Dial *995# 
• Choose the Airtime option.
• Input the mobile number and amount you want 
• Input your PIN and authorise the transaction 
• You will be notified via SMS when the recharge is successful. 

 If you do not want the above option due to several prompts, you can follow this alternative option;  

To recharge 500 to the number “08011223344”, dial *955*3*500*08011223344#. Input your PIN to authorise the transaction. 

How to Buy Data Using the Opay USSD Code

To buy data for your number or another number using Opay, follow these processes;

• Dial *995# 
• Choose the Data option.
• Input the data amount you want. Also, include the mobile number you want to fund.  
• Input your PIN and authorise the transaction 
• You will be notified via SMS when the recharge is successful. 

How to Use The Opay USSD Code to Fund Betting Accounts

Another beautiful part is that you can fund your betting accounts with the Opay USSD Code. To fund your betting account, follow these processes;

• Dial *995# from your line.  
• Choose option 3, Betting & Electricity.
• Choose option 1, Fund Betting Account
• Choose your preferred betting platform 
• Enter the amount you want 
• Input your PIN and authorise the deposit 
• You will be notified via SMS when the recharge is successful. 

Opay USSD Code to Pay Your Electricity Bill

To pay your account, follow these processes;

• Dial *995# from your line.  
• Choose option 3, Betting & Electricity option.
• Select option 2, Pay Electricity Bill
• Input the electricity provider, account details, and metre number.  
• Enter the amount and confirm the provider details 
• Input your PIN and authorise the transaction
• You will be notified via SMS when the payment is successful. There might be a token, too.  

How to Check Your Opay Account Balance Using the USSD Code

You can also check your remaining Balance on Opay using the USSD Code. The service is completely free. See the processes below; 

• Dial *995# from your line.  
• Choose option 4, Check Balance.
• Input your PIN and authorise the transaction
• Your Balance will appear on your phone screen. 

 If you do not want the above option due to several prompts, you can follow this alternative option;  

Dial *995*4# and input your PIN. Your Opay Balance will be displayed on your screen. 

How to Add Money to Your Opay Account

You can use the USSD code to add money to your Opay account. The processes involved are;

• Dial *995# from your line.  
• Choose Funding.
• Select the funding method. It could be a card payment, bank transfer, or cash deposit through an agent. 
• For card payments, input your account details and the amount. 
• For bank transfers, input your account number and the amount. 
• Input your PIN to authorise the transaction
• You will be notified via SMS when the payment is successful. Payment instantly reflects in the Opay wallet. 

Opay USSD Codes For Loan

You don’t need a phone to access Opay loans. The USSD code does the trick. See how below;

• Dial *995# from your line.  
• Choose the loan option.
• Provide important details as requested on the prompt.  
• Upon approval, your Opay wallet will be credited.  
• You can use the money for your personal needs.  

How to use the Opay USSD Code to Withdraw

The USSD code also allows you to withdraw money by; 

• Dial *995# from your line.  
• Choose option 7, Withdraw.
• Input the POS or Opay agent phone number of the person who will give you the cash. 
• Input the desired amount you want to.
• Authorise the transaction with your Opay PIN. 

A recurring fact when using the Opay USSD code is the inevitable importance of your PIN. Hence, it would be best if you jealously guarded it. Do not share your Opay PIN or other personal details with anyone. Stay safe and keep transacting. 

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