Opay USSD Code: A Comprehensive Guide

Opay USSD Code: A Comprehensive Guide

Opay is a fast-growing financial technology startup that has profoundly changed the financial landscape of Nigeria and numerous other African countries.

It provides a range of financial services, which include mobile money, payments, and lending, with the aim of bringing financial inclusion to the unbanked and underbanked population.

One of the best features Opay offers to its customers is the use of USSD (Unstructured Supplementary Service Data) code, which enable users to access a variety of financial services without requiring an internet connection.

This USSD code is most beneficial to individuals who have less finance to afford an internet connection mobile device who would want to carry out some important transactions.

In this publication, we will give a comprehensive guide on everything you need to know about the Opay USSD Code, such as its features, benefits, and how to activate it.

Additionally, we will detail how to use the Opay USSD Coode for various transactions and services.

So, let’s dive in.

What is Opay USSD Code?

The Opay USSD Code is a communication channel used by a mobile phone to connect to the mobile network operator’’s computer.

Opay uses this protocol to enable an individual to carry out various banking and payment transactions using simple codes.

You can access these codes from any mobile device, even in the absence of internet access.

Finally, the Opay USSD Code offers a quick, safe, and reliable method for users to access Opay services from their mobile device anywhere in the country.

The Opay USSD Code

The Opay USSD Code used to access Opay services is *955#. You can get access to a wide range of financial services with this code, which works on all mobile networks in Nigeria.

The beauty of this code is that users do not need a smartphone or internet connection to use these services; any mobile phone with a SIM card will work.

Whether you want to transfer money, buy data, or recharge for airtime, the Opay USSD Code will work on any device.

How to Activate Opay USSD Code

To make use of the Opay USSD Code, you must first register your phone number.

The registration process is very simple and straightforward. Use the following steps:

On your mobile phone, dial *955#.
Choose “Register” from the menu displayed.
Input your information, such as your name, contact information, and a four-digit PIN for protection.
Follow the onscreen prompt to verify and activate your registration.

After registering, you can start using the Opay USSD services right away.

Note: Make sure the four-digit PIN is simple for you to remember and no one should know about it.

Features

The Opay USSD Code allows users to carry out various services that cover most financial needs.

You can do the following with the Opay USSD Code (*955#).

Users can be able to transfer money to any Nigerian bank account or to another Opay account.
You can also receive money into your Opay account. The sender can do this using your registered phone number.
Opay customers can easily purchase airtime for other people or recharge their own mobile phone directly.
Customers can pay for a range of services like electricity bills, TV subscriptions, and internet services.
Users can check their account balance using the Opay USSD Code.
You can use the Opay USSD Code to check your account balance.
You can also view your transaction history using the unique code.
Opay users can fund their Opay wallet from their respective bank accounts.
Opay offers savings and loan plans through their USSD code. Users can apply for a quick Opay loan and also subscribe to their savings plan.

How to Create an Opay account using the USSD Code

To use the Opay USSD code, you need to have an Opay account.

Creating an Opay account is very easy and straightforward and can be done without downloading the mobile app. To create an Opay account, follow these steps:

Dial *955# on your mobile phone.
From the menu displayed on your phone, choose the number beside the option for registration or account creation and proceed.
You need to enter your mobile number. Enter the number you want to use for the Opay account.
Next, create a four-digit PIN. Ensure you enter a PIN you can remember, and do not share the PIN with anyone.
After that, you will be asked to confirm the PIN and your phone number to be sure they are correct.
After the confirmation, you will get a message that the account has been created successfully.

You can now have access to all Opay services by dialing *955#, which we will discuss further in this article.

Additionally, while using the USSD service, you will be given the option to link a bank account for other services, which can be done through the mobile app or an Opay agent.

How to Create an Opay Account using the Mobile App

On your mobile phone, visit the Play Store or Apple Store. Type Opay on the Seaarch bar and download it.
Install the app, click on Sign Up or Register on the home screen, and enter your mobile number.
A verification code will be sent to your phone as SMS; input the code into the app to verify your phone number.
Set a strong password for your Opay account and make sure you can remember it.
You will be required to input some personal information, such as your name, email address, and BVN (Bank Verification Number).
Next, you will be asked to set a four-digit security PIN, which you will always use during any transaction.
After completing the registration, you will be required to log in to the Opay account using your phone number and the password you provided during registration anytime you want to access your account.

The Different Tier and Account Limit

The different tiers for the Opay account are stated below, detailing the daily transaction limit and the maximum balance the account should hold. The highest tier outside these is meant for the merchant, and you can set it up on the Opay business app.”

Tier	Daily Transaction Limit	Maximum Account Balance	Verification Required
1	50, 000	300,000	Phone number/NIN
2	200,000	500,000	BVN
3	5,000,000	Unlimited	Utility Bill

Related Post: Opay Loan

How to Transfer Money using the Opay USSD Code

Follow the steps below to send money using the Opay USSD Code.

Dial *955# on your mobile phone.
Select the number beside the “Send Money” option.
Enter the receiver’s phone number if you are sending to another Opay account, but if you are sending to a bank account, enter the receiver’s bank account number and proceed.
Input the amount you wish to send.
Select Opay account if you are sending to an Opay account, but if you are sending to a bank, choose bank and select the bank from the list that will be displayed.
Check the details you entered to be sure they are correct and proceed. You will either input your Opay PIN or an OTP (one-time password) that will be sent to your phone.
Immediately you click confirm, Opay will process the transaction, and the money will be sent to the receiver’s account.
Finally, you will receive a message that the transaction is successful.

Make sure you have enough money for any transaction you want to perform with the USSD Code.

How to Check your Account Balance with the Opay USSD Code

To check your Opay account balance using the USSD Code, follow the steps below.

Dial *955# and click send.
From the menu that will pop up, choose the number beside the “Check Balance” option.
Input your four-digit PIN and proceed.
You will receive a message showing your current Opay account balance.

How to Buy Airtime/Data with the Opay USSD Code

Dial the Opay USSD Code *955# on your phone.
Select the number beside the option “Airtime” or “Data” from your list displayed.
You will have the option to either recharge or send data to “self” or “other.” If you want to recharge or send data to the phone number you are using, input the number beside “Own” or “Self,” but if you are recharging or sending the data to someone or your other number, input the number beside the “Other” option, and you will need to enter the phone number.
Input the amount of airtime or data you want to buy.
You will be asked to confirm the phone number and the amount of airtime or data you want to buy to be sure they are correct.
Once you proceed, you will be asked to enter your Opay PIN to confirm the transaction.
Once it is successful, Opay will send you a confirmation message, and the airtime or data will be sent to the phone number you entered.

Bills Payment Using the Opay USSD Code

You can pay bills with Opay USSD Code with the following steps:

Dial the Opay *995# USSD Code on your mobile phone.
From the menu that will be displayed, enter the number beside “Bill Payment” and proceed.
You will see bill categories. Select the one you want to pay by entering the number beside it.
Input the number beside the service provider, for example, PHCN for electricity, DSTV for TV subscriptions, and so on.
Enter the necessary information (Smart card number for TV subscription; for electricity, you will need to enter the meter number).
Enter the amount you intend to pay.
The system will ask you to enter your four-digit PIN to confirm the transaction.
Once the payment is successful, Opay will send you a confirmation message notifying you that the bill has been paid.

How to Request a Mini Account Statement Using the Opay USSD Code

On your phone, dial the Opay USSD Code.
On the list of options that will be displayed, look for “Account Statement” or “Mini Statement” and enter the number beside it and proceed. It might be something different but similar.
Choose the option of mini statement, which will show you the last set of transactions carried out on your Opay account, or select the full statement option to see all the transactions.
You will be asked to choose the period of the transaction you want to see. For example, from a particular date and month to the current date and month.
Opay will ask you to input PIN for security purposes.
After you complete this process, you will receive a message on your mobile phone showing you your recent transactions.

You can also find the “Mini Statement” under the “wallet” option because the USSD menus can sometimes differ.

How to Change Your Opay USSD Code

If you discover that your Opay PIN has been compromised, you can immediately change it using the following steps.

Input the Opay USD Code *955# on your phone.
Choose the option “Change PIN,” “RESET PIN,” or something similar. You can find this option under “Account Settings.” Enter the number beside it and proceed.
You will be required to enter the old PIN.
After that, you will be required to enter the new four-digit PIN you want to use.
Opay will ask you to re-enter the new PIN to confirm it.
Immediately that is done, you will receive a message telling you that the PIN has been changed successfully.

The four-digit PIN is vital for conforming transactions and maintaining the security of your account.

Make sure the new PIN is easy for you to remember, and do not expose your PIN when carrying out transactions.

Benefits

There are a lot of benefits attached to using the Opay USSD Code, and this has made it a choice for many individuals.

Some of the benefits include:

It is accessible to any mobile phone anywhere in Nigeria and at any time without internet access. This is beneficial to areas with limited internet access.
The Opay USSSD Code is easy to use for any kind of transaction or service.
Any transaction you make using the Opay USSD Code is safe and secure because you will need to use a transaction PIN anytime you use it.
The Bank makes the transaction almost instantly.
It takes baking and other financial services to both the underbanked population and the unbanked, which helps them take part in this digital economy.

Full List of Opay USSD Short Codes for Transactions

The Opay short code for transfer allows you to quickly and easily carry out different transactions.

Below is the list of the codes and their functions.

S/N	Opay USSD Code	Function
1	*955#	To View the Opay Main Menu
2	9551#	To check account balance
3	9552Amount PhoneNumber#	To Transfer Money to OPay Wallet
4	9553*Amount#	To Purchase Airtime for Yourself
5	9553Amount PhoneNumber#	Purchase Airtime for Another Number
6	9554#	To pay bills (electricity, water, etc.)
7	9555BankCode AccountNumber* Amount#	To Send Money to a Bank Account
8	9557#	To manage your Opay account settings (change PIN, etc.),
9	9558#	To request an OPay card
10	9559#	To Open an OPay Savings Account
11	95503121#	Opay ATM Card Activation

How to Contact Opay

If you have any issues using any of the Opay services using the USSD code, you can contact them.

Send them an email address, support@opayweb.com, for general inquiries.
Their customer care phone number in Nigeria: +234 700 600 6000.
You can visit their headquarter office address at 3rd Floor, 19, Karimu Kotun Street, Victoria Island, Lagos, Nigeria.

To get more accurate and updated information, visit the OPay website and look for the “Contact Us” or “Support” section for details.

Challenges you might face while using the USSD Code

You might encounter the following challenges once in a while when using the service.

If there is a poor network, you might find it difficult to make a transaction, but this hardly happens.
Compared to the Opay Mobile App, the USSD Code has limited functions and does not support all services, like applying for a loan or activating savings. This function is not working as of the time of writing this publication.

Frequently Asked Questions (FAQ)

Is the Opay legit?

Yes, the Opay is legit and approved to operate in Nigeria by the federal government and the central bank.

Can I use the Opay USSD code without the Opay mobile app?

Certainly, Opay allows you to perform various transactions using the USSD Code; however, the app will give you access to more services and features.

What is Opay USSD Code?

It is the code provided by Opay to allow users carry out a series of financial transactions from their mobile phone.

What should I do if my PIN gets compromised or if I forget it?

You can change it by dialing *955# and following the instructions to change or reset the PIN.

In Conclusion

The Opay USSD Code *955# is a modern solution that makes access to financial services very easy and simple.

It eliminates the need for an internet connection and provides an easy, user-friendly interface, which makes way for financial inclusion across the country.

Furthermore, it provides a secure and reliable way to manage finances, whether you are buying airtime, sending money, paying bills, or checking your account balance.

Finally, as technology advances, Opay will continue to expand its USSD capabilities, making it even more convenient for its users.

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