Why Is My Opay Ussd Code Not Working 2023

What Is The Ussd Code For Opay in 2023

opay ussd code

It’s 2023, and nearly every bank in the country has a USSD code for customers to access most of their services on the go. As OPAY is seen as a pacesetter in the Nigerian banking space, it would be odd for them to not have a transfer code themselves.

Of course, they do, and that’s exactly the whole point of this entire article. Years ago, the bank introduced its transfer code that allows customers to transfer money, purchase airtime, pay bills, and carry out many other functions that you’d otherwise need to visit a bank branch to perform.

In this article, I’ll discuss OPAY ussd or transfer code and why you should be using it. Also, you’ll learn some of the handiest functions you can carry out using the transfer code and how exactly to do it from your mobile phone.

What Is OPAY Ussd Code?

The OPAY ussd code is a code introduced by OPAY to allow customers access banking features without having to show up at the bank. It works on any smartphone regardless of make and model, and it doesn’t even require an internet connection to work.

With the OPAY ussd or Transfer code, you can access a wide range of functions, including (but not limited to) bill payments, airtime purchases, money transfers, and balance inquiries. Since the transfer code is limited to the phone number connected to your account, you can be sure it’s pretty secure.

To use the OPAY ussd or transfer code, you need a mobile phone that is functional, an OPAY account, and the number associated with the account. You must also be the legal owner of the account since it’s impossible to access the USSD functions otherwise.

When you dial the general code, you get a plethora of options that let you access many banking functions available with the app. The following section will outline some of the things you can do using the OPAY USSD code and how to go about them.

How to Use OPAY USSD Code

Once you meet all the requirements for using OPAY USSD code, you can start using it for your bulk banking transactions. However, you should note that using the code is only recommended when you use a mobile phone; the dedicated app is always better for smartphone users.

With that said, here are some of the functions you can use with the OPAY ussd code and how to carry them out.

Transferring Money

With the name “transfer code,” it’s obvious that it has a lot to do about transferring money to others. Most Nigerians only care to use the transfer code for money transfers only, earning it the famous “OPAY Ussd code” name.

To complete a transfer using the USSD code, the recipient must have a bank account with any bank in Nigeria. It doesn’t have to be OPAY; as long as they have the 10-digit NUBAN account number, you’re good to go.

The first step to carrying out a money transfer is dialing *955# if you’ve never used OPAY USSD code. Then, walk through the setup process to link your account to your phone to enable it to make transactions seamlessly.

However, if you’ve already set up USSD banking on your SIM card, you can always dial *955*Amount*Account Number#. Doing that will instantly transfer the said amount to the specified account number.

Compared to that of other banks where you may have to jump through different menu pages to complete a transfer, OPAY transfer code is very intuitive.

Airtime Purchase

Before continuing, it’s crucial to note that there are two categories for airtime purchases using OPAY USSD transfer code. There is the “airtime purchase for self” and “airtime purchase for others.”

As you may have already guessed, buying airtime for “self” refers to the act of purchasing airtime for the phone number that’s connected to your OPAY account. To make that work, you only need to dial *955*Amount#, and your line will be credited with the amount.

In most cases, however, you want to purchase airtime for numbers other than yours. To make that work, simply dial *955#*Amount*Phone Number#, and OPAY will magically credit said phone number with the specified amount.

You should note that the appropriate amount for the airtime will be deducted from your account and you can only purchase airtime for numbers based in Nigeria. Sometimes, network issues could delay the delivery of the airtime, but it often works.

Balance Inquiry

One popular function that most people use the OPAY ussd code for is to make balance inquiry. If you need to know exactly how much you have left in your account, you can do that quickly using the ussd code.

However, you should know that the transfer code isn’t one of the best ways to check your account balance. The only advantage to it is the speed; when you learn that you have to pay around NGN7 or less each time you request to check your balance, you’ll consider using alternatives.

If you want to check your balance with the transfer code anyway, dial *955# and select from the outlined options. That only works when you’ve set up your OPAY transfer code and we’re assuming that you already have. If you haven’t, dial *955# and walk through the steps.

Alternative ways to check your balance without having to pay any outrageous charges include the bank app or via an ATM. You can also use OPAY’s online banking to check your balance without any charges.


Banking has gotten massively easier over the years with the introduction of new and better banking technologies. While the idea of USSD is neither new nor extremely innovative, it gained massive popularity primarily because it was accessible.

In this article, I’ve outlined how to use the OPAY ussd code to make banking transactions cheaply on your OPAY account. Also, I provided alternative methods to use in cases where using the USSD banking option would be unfavorable.

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