Opay USSD Code – Opay Transfer Code And How To Use It

Learn how to transfer money from opay to bank account. It’s easier and faster to use Opay USSD Code Or Opay Transfer Code than to download opay app and use for transfer.

Opay USSD Code

Opay is a Nigerian-based fintech company that provides various financial services through its mobile app. It was founded in 2018 and is a subsidiary of Opera Limited, a Norwegian software development company. Opay offers a wide range of services, including mobile money transfers, bill payments, airtime purchases, ride-hailing, food delivery, and more.

What Is Opay Transfer Code

Opay Transfer code is *955#. This code is used for easy banking, including cash transfers, and airtime purchases. You can also use the Opay mobile app to perform your various bank transactions.

One of Opay’s key features is its mobile money service, which allows users to send and receive money, pay bills, and make purchases using their mobile phones. It provides a convenient and secure way for people to conduct financial transactions without the need for traditional banking services.

Currently one of the most used top digital banking apps in Nigeria, Opay is used by a lot of Nigerians for their everyday transactions. It is fast for transfers, and cashback, and it’s commonly used by POS agents. Opay made it super easy for customers to transfer money, buy airtime and data, pay bills, and do all banking transactions with ease using the Opay USSD code. Here is a breakdown of how you can use the Opay USSD code for your basic transactions.

See Also: UBA USSD Transfer Code | All UBA Bank Codes for Transactions

What Is Opay USSD Code?

Opay USSD code is *955#. Opay ussd code is simply a short code that is designed for customers to perform banking transactions, including money transfers, airtime, data purchase, making withdrawals, account creation, funding other accounts, account creation, and so on.

How Does USSD Code For Opay Work?

This code also works on all phone types but to effectively use it, there are rules and guidelines customers must follow. They include:

  • You must have an active Opay account
  • Ensure you dial the code on the phone number, SIM, or line connected to your Opay account.
  • Have an Airtel, MTN, Glo and 9mobile sim card as Opay USSD code only works on these mobile networks.

Note: You can not change your Opay personal account number from the app, you can only do this using the Opay merchant app which you can download the app from Google Play Store.

How To Open Opay Account (Opay Account Opening)

Here is how to open opay account using the Opay USSD code;

  • Dial *955# on your phone
  • Select the option to create an account
  • Enter your first and last name
  • Proceed to Setup 6 digits login pin
  • Verify your account by entering the OTP sent to your phone.
  • Congratulations as you now have an Opay account

How To Activate Opay USSD Code

To activate the Opay USSD code,  dial the short code *955# on your mobile phone that is linked to your Opay account and follow the on-screen prompts to select the service that suits you.

Just in case you forgot your registered number with Opay, your Opay Account Number comprises the 10 digits of your phone number making the first 0 absent. Once you have successfully activated the USSD code on your phone, then you are free to make your daily bank transactions.

READ ALSO:   Cash App Phone Number To Check Balance | Cash App Login

The Things Opay USSD Can Do 

  • Send money: If you want to send money to another Opay Account or any local bank account.
  • Buy airtime: If you want to buy airtime for yourself or on another number (any network)
  • Deposit money: If you want to deposit money into your Opay account
  • Change pin: If you want to change your transaction Pin
  • Help: if you need the Opay service help.

How To Transfer Money from Opay to Bank Account

To transfer money from Opay to bank account using the Opay USSD code, Follow these steps:

  • Dial *955# using your Opay registered phone number,
  • Select the option for “Transfer”
  • Select option 2 to transfer to another bank and type the recipient’s account number
  • Select the bank (eg Access, GT Bank, or First Bank)
  • Type how much you want to transfer
  • Confirm your transaction by providing your Opay Security Pin

You can also send money from opay to bank account by just dialing *955*2*Amount*Recipient’s Account Number#, select the bank, and enter your Opay Pin to authorise the transfer.

For example, to transfer 3000 to 3984637645, Access Bank, using the Opay transfer code, simply dial *955*2*5000*3984637645#, then select Access Bank, and enter your PIN.

How to Transfer Money to Opay Account

To fund your Opay wallet using USSD, simply dial *955#, select the “Add Money” option, and then follow the prompts. You can also withdraw money from your Opay account using the *955# code. Follow the guidelines below:

  • Dial *955#
  • Select the “Withdraw” option
  • Enter the Opay POS agent’s phone number
  • Enter the amount you want to withdraw
  • Then, enter your security pin to make a withdrawal

How to Transfer from GTB to Opay Account

The transfer code for GT bank is *737# You can easily fund your Opay wallet from your GTB account. Here are the steps you must follow:

    • Dial *737*22#
    • Select mobile money
    • Enter the amount you want to transfer to your Opay wallet
    • Enter your OPay Account No (Phone Number)
    • Select OPay
    • Enter your GT Bank mobile USSD PIN to complete the transaction

How to Transfer Money from First Bank to Opay Account

Transferring money from a First bank account to an Opay account can be quite challenging, especially if you do not know the right USSD code to use. But you can achieve your aim with the following steps below

  • Open your Opay app and log in to your account with your user details.
  • Click on the “Add Money” button.
  • Select the “Bank USSD” option.
  • Select First Bank as your preferred bank.
  • Enter the amount you want to transfer and select next.
  • Copy the USSD code that appears on your screen.
  • Paste the code in your phone dialer and dial.
  • Confirm the name, and enter your bank transaction pin.

How To Check Balance Using Opay USSD Code

Opay’s *955* code is also relevant for checking your wallet balance. To check your Opay balance:

  • Simply dial *955*0# using the phone number registered with your Opay account,
  • Select “My Balance” as your on-screen option,
  • Enter your Opay 4-digit security PIN,
  • Your Opay account balance will be displayed on your screen.

Opay USSD Code for MTN

The USSD code to buy airtime or data on your MTN mobile network from your Opay wallet is still the *955# code. To recharge your MTN line through your Opay wallet, here are the steps you can follow

  • Dial *955#
  • Select the option for “Airtime”
  • Select or enter the phone number you want to recharge.
  • Select the airtime amount you want to buy.
  • Enter your Opay pin to authorize the transaction.

Note: This process can be applied on other networks provided that the lines are linked to your Opay account.

See Also: How To Link Your NIN With Your Phone Number (MTN, Glo, 9mobile Or Airtel)

Opay Loan Code

In many cases, Opay offers loan services through their *955# USSD code, allowing eligible users to apply for loans and receive funds directly to their Opay accounts. However, to access these loans you must meet their loan requirements.

How To Borrow Money from Opay

To access the Opay Okash, here are the requirements:

  • You must be a Nigerian citizen.
  • You must have a registered Opay account.
  • You must have a valid Bank Verification Number (BVN).
  • You must have a valid means of identification (e.g., National ID card, driver’s license or international passport). Either will do.
READ ALSO:   Polaris Bank Transfer Code – List Of All Polaris USSD Code

If you meet the Okash requirements, these steps will then help you use the Opay USSD code to access Opay loans.

  • Dial *955# using the phone number you used to register with your Opay account.
  • Select the option that says “loan”.
  • Follow the prompt and apply for a loan.
  • Get your loan disbursed into your account.

Note: The daily interest rate for Opay loans is between 0.1% to 1%, while the annual interest rate is between 36.5% and 360%. Apart from this, you will have to pay an origination fee with your loan ranging from N1299 to N6000. The duration of the loan is 91 days for the shortest tenure and 365 days for the longest tenure.

Opay App Download

To download the Opay app, you can follow these general steps:

  1. Visit the official Opay website or go to your device’s app store (Google Play Store for Android or the App Store for iOS).
  2. Search for “Opay” in the search bar of the app store.
  3. Look for the Opay app in the search results and select it.
  4. Check the app’s details and reviews to ensure it is the official Opay app.
  5. Click on the “Install” or “Download” button to begin the download process.
  6. Wait for the app to download and install on your device. This may take a few moments depending on your internet connection speed.
  7. Once the app is installed, you can open it and follow the on-screen instructions to set up your Opay account.

Opay Login With Number

To log in to the Opay app with number,  follow these steps to log in:

  1. Open the Opay app on your device.
  2. On the login screen, enter your registered phone number associated with your Opay account.
  3. Enter your password in the provided field. If you have forgotten your password, there is usually an option to reset it by clicking on “Forgot Password” or a similar link.
  4. After entering your login credentials, click on the “Login” or “Sign In” button.
  5. If the entered information is correct, you will be logged into your Opay account, and you can access the app’s features and services.

If you encounter any issues during the login process, you can contact Opay customer care support for assistance.

See Also: Cash App Phone Number To Check Balance | Cash App Login

FAQs Regarding Opay USSD Code

1. how much can opay account hold without bvn

Opay’s account limit without BVN (Bank Verification Number) is ₦300,000 (three hundred thousand Nigerian Naira) per individual user. BVN is a unique identification number issued by the Central Bank of Nigeria to every bank account holder in the country.

2. how to delete opay account

It is very easy to delete opay account, Here are the general steps you can take to delete your Opay account:

  1. Open the Opay app on your device.
  2. Click on “Settings” or “Account” section within the app.
  3. Navigate to the account settings and find the option for “Close Account,” “Delete Account,” .
  4. Select the option to close or delete your account.
  5. You may be asked to provide a reason for closing your account. Follow the instructions provided and provide the necessary information.
  6. Confirm your decision to close or delete your Opay account.


Hope you enjoyed reading this article? Feel free to drop comment. This is all the guide you need regarding opay. Opay company aims to provide accessible and affordable financial services to underserved populations in Africa, leveraging the widespread adoption of mobile technology on the continent.

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