You are in Nigeria, trying to send money, buy airtime, or check your OPay balance.
But your internet’s acting up, or you’re on a basic phone.
What do you do?
OPay’s USSD codes are your lifeline.
No smartphone? No Wi-Fi? No problem.
These codes let you handle banking tasks in seconds, anywhere, anytime.
This guide’s got the latest OPay USSD codes for 2025
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What Are OPay USSD Codes and Why Should You Care?
USSD codes are short numbers you dial on your phone.
They connect you to OPay’s services without an app or internet.
Think of them as a secret handshake for your money.
Why do they matter?
- No internet needed: Works on any phone, even that old Nokia.
- Fast as hell: Transactions done in seconds.
- Safe and secure: Your PIN keeps things locked down.
- Free to use: Most codes cost nothing, though some transactions have small fees (like N10 for transfers).
Last week, my friend Chinedu was stuck in a village with no data.
He needed to send N5,000 to his sister for school fees.
Dialed *955#, followed the prompts, and boom—money sent.
No stress, no app, just results.
The Master OPay USSD Code: *955#
This is the big one.
Dial *955# to unlock OPay’s main menu. From there, you can:
- Transfer money
- Buy airtime or data
- Pay bills
- Check your balance
- Even block a lost card
It’s like the front door to your OPay wallet.
Memorize it. Every other code builds off this one.
Complete List of OPay USSD Codes for 2025
Here’s every code you need, no fluff. Each one’s tested, current, and ready to roll.
1. Check Your Balance
Worried about how much cash you’ve got left?
- Code: *955*0#
- How to Use: Dial, enter your 6-digit PIN, and your balance pops up.
- Fee: Free.
2. Transfer Money to Another OPay Account
Need to send cash to a friend or vendor?
Code: *955*1*Amount*Phone Number#
How to Use:
- Dial *955*1*5000*08012345678# to send N5,000.
- Enter your PIN to confirm.
Fee: N10 flat rate.
Pro Tip: Double-check the phone number. No refunds for wrong transfers.
3. Transfer Money to Other Banks
Paying someone with a GTBank or Zenith account?
- Code: *955*2*Amount*Account Number#
- How to Use:
- Dial *955*2*10000*0123456789#.
- Select the bank from the list.
- Enter your PIN.
- Fee: N10 flat rate.
- Note: Works for any Nigerian bank. Daily limit is N200,000 unless you upgrade your account.
4. Buy Airtime for Yourself
Low on call credit?
- Code: *955*3*Amount#
- How to Use: Dial *955*3*1000# for N1,000 airtime.
- Fee: Free.
5. Buy Airtime for Someone Else
Helping a friend or family member?
Code: *955*3*Amount*Phone Number#
How to Use: Dial *955*3*1000*08098765432# to send N1,000 airtime.
Fee: Free.
6. Buy Data
Need internet on the go?
Code: *955*4*Amount#
How to Use: Dial *955*4*1000# and follow prompts to select a data plan.
Fee: Free for the code; you pay for the data bundle.
Pro Tip: Check network promos for bonus data deals.
7. Fund Your Betting or Lotto Account
Love Bet9ja or SportyBet?
Code: *955*5#
How to Use:
- Dial *955*5#.
- Select your betting provider (e.g., Bet9ja, BetKing).
- Enter your account ID and amount.
Fee: N10 for most transactions.
Example
Yusuf funds his Bet9ja account with N3,000 before a big match. No app, just his phone.
8. Block a Lost OPay Card
Lost your debit card? Lock it down fast.
Code: *955*132#
How to Use: Dial, confirm, and your card’s blocked.
Fee: Free.
9. Get a One-Time Password (OTP)
Need an OTP for a transaction?
Code: *955*010#
How to Use: Dial, and the OTP hits your phone.
Fee: Free.
Note: Keep your PIN secret to avoid fraud.
10. Reset Your PIN
Forgot your PIN? No panic.
Code: *955#
How to Use: Dial, select “Forgot PIN,” and follow the prompts.
Fee: Free.
Pro Tip: Use a PIN you’ll remember but isn’t obvious (like 1234).
How to Activate OPay USSD Codes
New to OPay? Here’s how to get started.
- Step 1: Download the OPay app from Google Play or App Store.
- Step 2: Sign up with your name, phone number, and email.
- Step 3: Verify your account with the SMS code.
- Step 4: Set a secure 6-digit PIN.
- Step 5: Dial *955# with the registered phone number.
No app? Visit an OPay agent to open an account.
Your phone number is your account number. Keep it active and linked.
Pro Tips to Master OPay USSD Codes
Want to use these codes like a boss? Here’s what I’ve learned from years of hustling:
- Memorize *955#: It’s your gateway to everything.
- Save frequent codes: Add *955*3*1000# as a contact for quick airtime top-ups.
- Check fees: Most transactions cost N10, but airtime and OTP are free.
- Stay secure: Never share your PIN. Not with friends, not with “OPay staff.”
- Double-check details: Wrong phone number or account? Money’s gone.
- Update your account: Higher KYC levels mean higher transfer limits.
I once sent N20,000 to the wrong number because I was rushing.
No refund. Lesson learned: slow down, check twice.
Common Problems and Fixes
USSD not working? Don’t sweat it.
- “Invalid PIN”: Reset it with *955# and “Forgot PIN.”
- “Service Unavailable”: Try again in a few minutes or switch networks.
- “Wrong Number”: Ensure you’re using the phone linked to your OPay account.
- Still Stuck?: Call OPay support at 0700 8888328 or hit them up on X @OPay_NG.
Why OPay USSD Codes Are a Game-Changer
OPay’s USSD codes aren’t just convenient—they’re a revolution.
They bring banking to everyone, from Lagos hustlers to rural farmers.
No internet? No smartphone? You’re still in the game.
In 2025, with over 10 million users, OPay’s killing it in Nigeria’s fintech space.
Compare that to traditional banks with long queues and paperwork.
OPay’s faster, cheaper, and works on any phone.
Wrap-Up: Take Control of Your Money
You’ve got the latest OPay USSD codes.
You know how to transfer, buy airtime, and secure your account.
Now go use them.
Dial *955# and start moving money like a pro.
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Questions? Drop them below or ping me on X.
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