Complete New Guide on OPay USSD Code *989# — How to Transfer Money
Step-by-step guide
The complete guide to sending money with OPay USSD
This guide covers both routes: money to another OPay user and money to a bank account. Everything starts at *955# and needs no data.
Before you start
✓ An OPay account with enough money for the amount plus any fee
✓ A 4-digit transaction PIN, set in the OPay app
✓ The recipient’s phone number or 10-digit account number
✓ A SIM with a little airtime
Send money in 6 steps
1. Dial *955#.
2. Choose the send money option.
3. Pick OPay user or bank account if the menu asks.
4. Enter the recipient’s number or account number, then the amount.
5. Check the name and details on screen.
6. Enter your PIN, then wait for the confirmation.
2 routes, and what guides say
| Route | Reported format |
|---|---|
| To a bank account | *955*2*Amount*Account Number# (two guides agree) |
| To an OPay account | *955*1*Phone Number# (one guide) or *955*1*Amount*Account# (another) |
Because the OPay-to-OPay formats differ, use the menu for that route. It asks for exactly what your version needs.
Fees and limits
One guide says OPay charges a small transfer fee but does not give the amount, and your balance must cover the amount plus the fee. Guides also mention daily USSD limits without figures. Ask OPay before a large transfer.
5 safety rules
▸ Never share your PIN or an OTP, even with someone who says they work for OPay.
▸ Check the recipient name before you confirm.
▸ Do not dial a code someone texts you. Start from *955# yourself.
▸ If the session cuts off, check your balance before you try again, so you do not pay twice.
▸ Keep the confirmation message as proof of payment.
If a transfer does not go through
Reported bank-transfer problems. Some users report delays on bank transfers. Wait for the confirmation message before you repeat the payment.
Still stuck. Contact OPay support through the app with the amount, time and recipient details.
Send N100 to yourself or a friend first, so you know the route works before the big payment.
