Opay ussd code & opay transfer code

Opay ussd code and Latest Opay transfer code 2023

Did you move your primary bank account to opay recently? If yes, you’ll need to unlearn and relearn so much stuff. One of the first things to learn is how to use the opay transfer code for transactions on your cellphone.

Using transfer codes is nothing new. Most banks offer an option to send money, receive money, pay bills, and purchase airtime using their specified transfer code. opay  isn’t an exception.

With the introduction of opay ussd code, you can always carry out banking transactions from your cellphone, even without an internet connection.

In this post, you’ll learn how to activate your opay transfer code for seamless transactions from any mobile phone with a SIM card.

What is opay ussd code?


Similar to FirstBank’s Quick Banking and access bank ussd Banking, opay brings the flexibility of USSd banking to its users through its USSD code initiative.

With the opay ussd code, you can carry out most of your banking transactions on any smartphone, even without an internet connection.

Unlike most other banks that offer a USSD banking option, opay gifts users many exclusive benefits for transacting with the USSD code.

While most retail accounts support USSD code, you can’t use the opay transfer code if you hold a domiciliary account, a opay Children’s Account, or any Premium account tiers.

If you don’t hold any of the accounts specified above, you can proceed below to learn how to activate your USSD code account and start using opay ussd code.

How to activate the opay ussd code

opay doesn’t automatically activate the transfer code for all eligible users. If you intend to make transactions using the USSD code, you must manually sign up through the steps outlined below.

Dial *955#

The *955# is opay unique transfer code. It is the code you’ll always dial on your cellphone whenever you need to make USSD transactions with your opay account.

As the initial setup steps for most banks, dialing *955# is the first step towards setting up your USSD code account to get access to access USSD banking world.

Dialing this code will evoke a prompt warning that you’ll be shelling out a N6.98 service charge for USSD transactions on the network. If you’ve used transfer codes from other banks, you should know that this is the industry standard.

Enter the last digits of your opay debit card number

If you have an account with opay, you should get to a page where you can enter the number on the debit card associated with your opay account.

You only need to enter the last six digits, and you can only proceed if it matches the numbers on opay records.

If you don’t have an account associated with your phone number, you’ll get a prompt with the message, accompanied by an option to create an account with opay.

If you get this message despite having an account with opay, you may need to contact the bank’s support to rectify the error.

Choose a PIN

After entering the numbers on your debit card, the following prompt will ask you to choose a PIN to secure your USSD transactions.

This PIN is different from the debit card PIN that you use to make ATM and debit transactions. Also, we don’t recommend entering your debit card PIN here, as it only makes your account less secure overall.

Remember,opay USSD code is only as secure as your PIN. If someone can access your phone and your PIN, they can carry out any transaction without access to any other information relating to your account.

After entering a strong PIN twice, you should receive a confirmation message from opay with your account summary.

If you made it to this stage without any hitches, you’ve successfully created a opay ussd code account. Now, you can use the *955# opay transfer code to make transactions on your account.

If you don’t know what transactions you can make through the USSD code feature on your phone, the next section will explain it in detail.

How to Transact Using opay *955# ussd code


You’ve set up your opay ussd code account; now what? How do you make regular banking transactions without ever downloading the opay app?

This section outlines some use cases of the opay ussd code and how you can carry out these transactions.

Account Opening

If you don’t have a opay account already, dialing the transfer code will only result in a prompt to open an account.

Opening a opay account through USSD code is easy and free, and you can get an account number without doing any paperwork.

If you want a debit card, however, you may have to visit a opay branch. Your phone can’t print out a card, you know?

Airtime Purchase

If you purchase airtime quite frequently, you should always do it using the opay ussd code.

To buy airtime using the code, simply dial *955# and then you will see many instructions like (1),transfer, (2),add money and (3),buy airtime, then you can click on it and then follow the instructions like the actual amount you want to recharge on your Sim or to someone and entering your PIN to authorize the transaction.

The first 100 opay customers to purchase airtime using the opay ussd code ” will get twice the recharge amount if it is N500 or more, but not more than N1,000.

Money Transfer

Money transfer is the most popular feature of ussd code. It allows you to transfer money to anyone with a bank account regardless of the bank.

You can make a transfer by dialing *955# and then you follow instructions that appear on your screen like (1),transfer, now you can click on it and then fill up the remaining instructions like the amount you want to transfer to someone, the account number you are transferring it to and of course You will then have to enter your PIN to authorize the transaction.

Apart from transferring money and purchasing airtime, you can also update your BVN, make cardless withdrawals, retrieve your card PIN and even block your debit card using the opay ussd code.

More Bank Transfer Codes


Keystone Bank Transfer Code

Sterling Bank Transfer Code

GTBank Transfer Code

Ecobank Transfer Code

UBA Transfer Code

Wema Bank Transfer Code

Heritage Bank Transfer Code

Stanbic ibtc Transfer Code

Unity Bank Transfer Code

Polaris Bank Transfer Code

First Bank Transfer Code

Union Bank Transfer Code

Fidelity Bank Transfer Code

Zenith Bank Transfer Code

Fcmb transfer code

Access bank transfer code

Diamond bank transfer code

Globus Bank transfer code

Taj bank transfer code

Lotus bank



opay ussd code makes transactions easy. Banking activities that require you purchasing data on your Sim and downloading opay app or logging into a browser in other to access are now possible from a cellphone using ussd code without an internet connection.

However, you should note some of the charges and limits associated with this service.

For example, you shell out a N6.98 service charge for every transaction, and you can’t purchase airtime of over N3,000 in 24 hours.

Most people will agree that the advantages of the service eclipse these charges and limits, making USSD code is a welcome initiative.

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