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 ussd code for transactions on your cellphone.


OPAY USSD CODE  or OPAY TRANSFER CODE is *955# This OPay transfer code simplifies the process, allowing users to execute transactions swiftly by dialing a short code on their mobile devices with or without an internet connection.

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.

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.


OPAY USSD CODE is not automatically activated for all eligible users. If you intend to make transactions using the USSD code, you must manually sign up through the steps outlined below.

Opay ussd code
Step-by-Step Guide: Using Opay USSD Code and Transfer Code for Seamless Transactions
  • Dial *955#

The OPAY USSD CODE / OPAY TRANSFER CODE is *955# , With the dialing of *955# special OPAY CODE Or Opay Transfer Code, Opay users gain access to a wide array of financial services right at their fingertips.

One of the primary functions of this USSD code is to facilitate mobile money transactions. Users can check their account balances, transfer funds, and even pay bills with just a few simple keystrokes. This not only saves time but also reduces the need for physical cash, promoting a safer and more secure payment ecosystem.

Dial *955# Opay USSD code or Opay Transfer Code To initiate the USSD session on your mobile phone. After dialing the code, a menu will appear on your screen. This menu lists various services you can access using Opay USSD Code or Opay Transfer Code. Each service will have a corresponding number. Reply with the number associated with the service you want to use.

Dialing opay ussd 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.

Knowing that Opay USSD Code is *955#, 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 / Transfer 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?

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.





Card Activation


Check Balance









*955*4*Phone No#

Airtime for Others

*955*3*Amount*Phone No#

Airtime for Self


Transfer to Bank Account

*955*2*Amount*Account No#

Transfer to Opay Account

*955*1*Amount*Account No#

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 Ussd 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 Ussd Code

Access bank Ussd Code

Diamond bank Ussd Code

Globus Bank Ussd Code

Accion MfB Ussd Code

lotus bank transfer code

jaiz bank transfer ussd code

standard chartered bank Ussd Code

palmpay ussd code

suntrust bank ussd code

paylater ussd code

hope bank transfer code

premium Trust Bank ussd code

moniepoint ussd code

alat Ussd code

payattitude ussd code

Optimus Bank Ussd code

Titan trust Ussd code

rubies bank Ussd code


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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