The OPay USSD code in Nigeria is *955#. It allows customers to access selected financial services, including money transfers, airtime purchases and other transactions, without needing an internet connection.
Whether you want to send money to another OPay user, transfer funds to another bank, check your account balance or secure your account when your phone is missing, knowing the correct OPay USSD codes can make everyday banking easier.
In this guide, you will find the main OPay USSD code, commonly used shortcuts, instructions for completing transactions and solutions to common problems.
List of OPay USSD Codes in Nigeria (2026)
Here are the main OPay USSD codes Nigerian customers should know.
| Transaction | USSD Code |
|---|---|
| Main OPay menu | *955# |
| Check account balance | 9550# |
| Transfer to another OPay account | 9551AmountAccountNumber# |
| Transfer to another bank | 9552AmountAccountNumber# |
| Buy airtime | 9553*Amount# |
| Buy airtime for another number | 9553AmountPhoneNumber# |
| Buy data | 9554*PhoneNumber# |
| Retrieve an OTP | 955010# |
| Block a lost or stolen OPay account | 955131# |
| Block a lost or stolen OPay card | 955132# |
| Check BVN | 5650# |
Important: The main code, *955#, is the safest starting point if a shortcut does not work. Some transaction shortcuts may vary or change, so confirm the available options through the live menu before completing a transaction.
1. What Is the Main OPay USSD Code?
The main OPay USSD code is *955#. It provides access to supported OPay services directly from your mobile phone.
USSD stands for Unstructured Supplementary Service Data. It enables you to interact with a financial service using short codes through your mobile network.
The service is useful when you do not have mobile data, cannot access the OPay app or are using a basic phone.
To use it, dial *955# from the phone number linked to your OPay account and follow the instructions displayed on your screen.
2. OPay USSD Code for Checking Account Balance
If you want to check how much money you have in your OPay account, you can try the balance-checking shortcut, 9550#.
Follow these steps:
- Open your phone’s dialler.
- Dial 9550# using your registered phone number.
- Follow any security prompts displayed.
- Enter your transaction PIN if requested.
- Check your balance on the screen or through the notification provided.
If the shortcut does not work, dial *955# and select the balance-checking option from the menu.
Never disclose your transaction PIN or OTP to anyone claiming to help you check your balance.
3. OPay USSD Code for Transferring Money
OPay customers can use USSD to transfer money without opening the mobile application.
Transfer Money to Another OPay Account
The commonly listed shortcut for transferring money to another OPay account is:
9551AmountAccountNumber#
Replace Amount with the amount you want to send and AccountNumber with the recipient’s registered OPay account details.
For example, if you want to send ₦5,000, enter the amount in the appropriate position in the code.
Follow the displayed instructions to confirm the recipient and authorise the transaction.
Transfer Money from OPay to Another Bank
To transfer money to another Nigerian bank, the commonly listed shortcut is:
9552AmountAccountNumber#
You may need to select the recipient’s bank and provide additional information through the USSD menu.
Before confirming the transfer, verify the recipient’s name, account number and transfer amount carefully. If you are unsure of the correct shortcut, use the main *955# menu instead.
4. OPay USSD Code for Buying Airtime
You can use OPay USSD to purchase airtime when you do not have internet access.
The commonly listed shortcut for buying airtime for your registered number is:
9553*Amount#
To purchase airtime for another phone number, a commonly listed format is:
9553AmountPhoneNumber#
Replace the placeholders with the amount and the phone number you want to recharge.
For example, you may use this service to recharge your MTN, Airtel, Glo or 9mobile line, subject to the options available on OPay.
Always check the phone number and amount before confirming your purchase.
5. OPay USSD Code for Buying Data
OPay also supports data purchases through its available USSD services.
The commonly listed data shortcut is:
9554*PhoneNumber#
To purchase data:
- Dial the shortcut from your registered phone number, or start with *955#.
- Enter or confirm the phone number you want to recharge.
- Select the available network and data plan, where prompted.
- Confirm the purchase details.
- Wait for the transaction confirmation.
Check the displayed instructions carefully because the shortcut may open a menu rather than complete the purchase directly.
6. OPay USSD Code for Retrieving an OTP
A one-time password (OTP) is a temporary verification code used to authenticate certain transactions or account activities.
The commonly listed OPay USSD shortcut for requesting an OTP is 955010#.
If you need an OTP, dial the code from your registered phone number and follow the prompts.
An OTP is different from your transaction PIN. Never share either with another person, even if they claim to be an OPay employee.
7. OPay USSD Code to Block an Account or ATM Card
If your phone or card is lost or stolen, securing your account should be a priority.
OPay’s official website lists the following security shortcuts:
- Block your OPay account: 955131#
- Block your OPay card: 955132#
Use the relevant code as soon as possible, following the instructions provided.
If you cannot access the registered SIM or the USSD service, contact OPay through its official customer support channels and request assistance in securing your account.
Do not wait for an unauthorised transaction to occur before taking action.
8. OPay USSD Code for Checking BVN
The general Nigerian banking USSD code for checking your Bank Verification Number (BVN) is 5650#.
This is a general BVN service rather than an OPay-specific transaction code. It may require the phone number registered with your BVN and may attract a network service charge.
If you encounter an error, contact your bank or the relevant BVN service provider for assistance.
Why Is My OPay USSD Code Not Working?
If you dial an OPay code and nothing happens, several issues could be responsible.
You Are Using the Wrong Phone Number
OPay USSD services generally require the phone number linked to your account. If you dial from another SIM, you may be unable to access your account.
Your Mobile Network Is Unavailable
USSD depends on your mobile network connection. Poor signal, network congestion or a temporary service interruption can prevent a session from opening.
Try again when your signal improves.
The Shortcut Has Changed
Some online sources publish different versions of OPay’s transaction shortcuts. If one fails, dial *955# and navigate the current menu instead.
Your Account Requires Verification
Certain transactions may require additional verification or may not be available to every account. Follow the instructions displayed or contact OPay support.
You Do Not Have Enough Airtime
Your mobile network may charge a USSD session fee. If your airtime balance is insufficient to cover an applicable charge, the session may fail.
Frequently Asked Questions
What is the official OPay USSD code in Nigeria?
The main OPay USSD code is *955#. Dial it from your registered phone number to access the available services.
Can I use OPay USSD without internet?
Yes. USSD allows you to access supported services without mobile data, provided you have an active mobile network connection.
Can I transfer money from OPay to another bank using USSD?
Yes. OPay provides USSD access to supported transfer services. Dial *955# and follow the transfer instructions displayed on your phone.
Can I check my OPay balance without the app?
Yes. You can try 9550# or dial *955# and select the balance option from the menu.
What is the OPay code for blocking an account?
Dial 955131# to access the account-blocking service. OPay also lists 955132# for blocking a lost or stolen card.
Is OPay USSD available on MTN, Airtel, Glo and 9mobile?
OPay USSD is designed to provide access through mobile networks, but availability may depend on network support and service conditions. If the code fails on your SIM, contact OPay for assistance.
Conclusion
The main OPay USSD code in Nigeria is *955#. It provides a convenient way to access supported banking services without an internet connection.
You can use the service to manage transfers, check your balance, purchase airtime and data, and access important account security features.
For the most reliable experience, start with *955# whenever you are unsure of a transaction shortcut. Always verify recipient details before sending money, and keep your transaction PIN and OTP private.
