As a leading fintech mobile money operating company in Nigeria,Opay Digital Services Limited know as Opay, and formerly Paycom Nigeria Limited as unveiled USSD code, mobile banking service that allows users to access a variety of financial services through their mobile phones.
The code provides a convenient and secure way for users to manage their money, transfer funds, pay bills, and check account balances. This service is particularly useful for individuals who do not have access to traditional banking services or who prefer the convenience of using their mobile phones for financial transactions.
Whether you are just getting started or want to know how to use the Opay USSD code for all financial transaction, This article aims to provide a comprehensive guide on how to utilize the Opay USSD service efficiently. From registration processes to transaction procedures.
Pay Attention How to transfer money from Wema Bank with easy
How To Open OPay Account
Here’s how to open an OPay account, using the most common methods:
Through the OPay App
This is the recommended and easiest method:
- Download the OPay app from the Google Play Store (Android) or Apple App Store (iOS).
- Launch the app and select your preferred language.
- Create Account by Click on “Sign Up”
- Enter your phone number and other required personal details.
- Verify your phone number with an OTP (One-Time Password).
- Set a secure password for your account.
- Create a 6-digit transaction PIN.
- Once Done your phone number will be your account
Once your account is opened, you can enjoy various OPay services like:
- Sending and receiving money
- Paying bills
- Buying airtime and data
- Accessing savings and investment options
- And much more!
The stage and level of verification determine the maximum amount your account can hold in total,
Here are the account tier available on the Opay account, the highest level outside these are for merchants which are done on the Opay Business App.
Read: Steps on How to transfer money from unity bank
| Tier | Daily Transaction Limit | Maximum Account Balance | Verification Required |
| 1 | 50,000 | 300,000 | Phone Number/ NIN |
| 2 | 200,000 | 500,000 | BVN |
| 3 | 5,000,000 | Unlimited | Utility Bill |
What is Opay USSD Code
The OPay USSD code is *955# which allows you to access various OPay services directly from your mobile phone without needing an internet connection or the OPay app.
How to activate Opay ussd
Here’s a step-by-step guide to help you activate the Opay USSD service quickly:
- Dial *955# on your phone.
- Follow the on-screen prompts to input your personal details as required for activation.
- Create a secure PIN for your USSD transactions.
List of Opay USSD Codes
Below is the list of all the OPay USSD code for specific transactions:
| Transactions | USSD Codes |
|---|---|
| Transfer to Opay Account | 955*1*Amount*Account No# |
| Transfer to Bank Account | 955*2*Amount*Account No# |
| Airtime for Self | *955*3*Amount# |
| Airtime for Others | *955*3*Amount*Phone No# |
| Data | *955*4*Phone No# |
| Get OTP | *955*010# |
| Betting | *955*5# |
| Electricity | *955*6# |
| Check Balance | *955*0# |
| Card Activation | *955*03121# |
Also read: How to transfer money from United Bank for Africa (UBA)
How to check opay account Balance using ussd
To check your OPay account balance using USSD, you can follow these two methods:
Method 1: Using the Main Menu
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*Dial *955# on your mobile phone.
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Choose option 4 from the menu to check your balance.
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Input your 6-digit OPay transaction PIN.
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Your account balance will be displayed on your screen.
Method 2: Direct Code
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Dial *955*0# on your mobile phone.
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Input your 6-digit OPay transaction PIN.
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Your account balance will be displayed on your screen.
Also Read: Guide on how to transfer money from Union Bank
Opay USSD Code to Create an Account
The OPay USSD code to create an account is *955# Once you dial this code, follow these steps:
- Choose the relevant option from the menu that appears.
- Provide your first and last name as requested.
- Set a 6-digit PIN that you’ll use for security and authorizing transactions.
- You’ll receive a One-Time Password (OTP) on your phone. Enter this OTP to complete the verification process.
After completing these steps, your OPay account will be created and you’ll receive a confirmation message. You can then use the *955# code to access various OPay services like sending and receiving money, paying bills, buying airtime, and more.
How to Transfer money from Opay
Using the OPay USSD Code (*955#)
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*Dial *955# on your mobile phone.
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Choose the option for transferring money.
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Select either:
- 1 – To OPay User
- 2 – To Bank Account
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Enter Recipient Details
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Enter Amount:
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Review the details and enter your 6-digit OPay transaction PIN to authorize the transfer.
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You’ll receive a confirmation message if the transfer is successful.
How to block opay account
There are a few ways to block your OPay account:
1. Using USSD Code
Dial * 955*131# from your registered phone number.
- Follow the prompts to confirm the blocking of your account.
- This is the fastest method and can be done even without internet access.
2. Through the OPay App
- Open the OPay app and log in.
- Go to the “Me” section or your profile.
- Navigate to “Settings” or “Account Security”.
- Look for the option to “Block Account” or “Freeze Account”.
- Follow the prompts to confirm the blocking.
3. Calling Customer Care
- Call OPay customer care at 0700 888 8328 or 01 8888 328.
- Explain that you want to block your account and provide necessary details for verification.
- They will guide you through the process.
Frequently ask questions
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Q: What is the OPay Transfer Code?
- The OPay transfer code is *955#.
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Q: What can I do with the OPay Transfer Code?
- You can transfer money to other OPay users or bank accounts, check your balance, buy airtime or data, pay bills, and access other OPay services.
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Q: Do I need an internet connection to use the OPay USSD Transfer Code?
- No, you don’t need an internet connection. OPay’s USSD code works on basic phones and smartphones without data.
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Q; What networks support the OPay Transfer Code?
- The *955# code works on all major networks in Nigeria, including MTN, Airtel, Glo, and 9mobile.
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Q: Are there any fees for transferring money using the USSD code?
- OPay may charge a small fee for transfers to bank accounts. Check the latest fees within the USSD menu or on the OPay website/app.
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Q: How do I transfer money to another OPay user?
- Dial *955#, select “Transfer,” then choose “To OPay User.” Enter the recipient’s phone number and the amount.
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Q: How do I transfer money to a bank account?
- Dial *955#, select “Transfer,” then choose “To Bank Account.” Enter the recipient’s account number, select their bank, and enter the amount.
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What if the transfer fails or the recipient doesn’t receive the money?
- Contact OPay customer support immediately and provide them with the transaction details.
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Is it safe to use the OPay Transfer Code?
- Yes, OPay uses encryption and other security measures to protect your transactions. However, it’s important to keep your PIN confidential and avoid sharing it with anyone.
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What should I do if I suspect fraudulent activity on my OPay account?
- Contact OPay customer support immediately to report any suspicious activity or unauthorized transactions. Or block your account due to suspicious activity by dialing *955*132#
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