Are you looking for a convenient and affordable way to perform banking transactions in Nigeria? Do you want to enjoy the benefits of Opay, one of the leading fintech platforms in the country? If yes, then you need to know about the Opay USSD code and how to use it for various services.
In this article, we will explain what the Opay USSD code is, how to use it for transfers, airtime, data, withdrawals, and more. We will also answer some frequently asked questions about the Opay USSD code and its features. By the end of this article, you will have a clear understanding of how to use the Opay USSD code for easy banking in Nigeria.
What is the Opay USSD Code?
The Opay USSD code is *955#. This code is used for easy banking, including cash transfers, and airtime purchases. Alternatively, you can use the Opay mobile app to perform your various bank transactions.
Opay is a fintech platform that offers a range of services such as payments, loans, savings, investments, insurance, and more. Opay is owned by Opera, the company behind the popular Opera browser and Opera News app. Opay operates in several African countries, including Nigeria, Kenya, South Africa, Ghana, and Egypt.
Opay launched its USSD code in 2020 to make it easier for customers to access its services without an internet connection or a smartphone. The Opay USSD code works on any phone and any network, except Glo, which is not supported yet. The Opay USSD code is fast, secure, and convenient to use.
How to Use the Opay USSD Code?
To use the Opay USSD code, you need to have an Opay account and a phone number linked to it. You also need to have a four-digit PIN to authorize your transactions. If you don’t have an Opay account, you can create one by dialing *955# and following the prompts. You can also download the Opay app from the Google Play Store or the Apple App Store and register with your phone number.
Once you have an Opay account and a PIN, you can use the Opay USSD code for various transactions, such as:
- Transfer money to other Opay users or other bank accounts
- Buy airtime or data for yourself or others
- Check your Opay balance or transaction history
- Get an OTP to fund your Opay account or withdraw cash
- Pay bills, such as electricity, cable TV, water, etc.
- Fund your betting account, such as Bet9ja, Nairabet, etc.
- Save money or invest in Opay products, such as Owealth, Ocar, etc.
To use the Opay USSD code, simply dial *955# on your phone and select the service you want from the menu. You will be asked to enter the details of your transaction, such as the amount, the recipient’s phone number or account number, the biller’s name or code, etc. You will then be asked to enter your PIN to confirm your transaction. You will receive a confirmation message and a receipt for your transaction.
WHAT IS THE OPAY USSD CODE FOR TRANSFER, BUYING DATA, AND AIRTIME?
For Nigeria, Opay USSD code is *955#
To give a deeper explanation of the USSD code for specific reasons, here is the complete Opay USSD code hand guide:
| Function: | Opay USSD Code |
| Opay ATM Card Activation | *955*03121# |
| Get Opay OTP | *955*010# |
| Check Opay Account Balance | *955*0# |
| Electricity Bill Payment | *955*6# |
| Bet Wallet Funding | *955*5# |
| Buy Data | *955*4*mobile number# |
| Buy Airtime For Others | *955*3*amount*phonenumber# |
| Buy Airtime For Yourself | *955*3*amount# |
| Transfer Money To Opay Account | *955*1*amount*10 digit account number# |
| Transfer Money To Other Bank Account | *955*2*amount*10 digit account number# |
Quick Shortcode of Opay USSD Code
Benefits of Using the Opay USSD Code
Using the Opay USSD code has many benefits, such as:
- It is easy and convenient to use. You don’t need an internet connection or a smartphone to use the Opay USSD code. You can use it on any phone and any network, except Glo. You can also use it anytime and anywhere, as long as you have a phone signal.
- It is fast and secure. The Opay USSD code is encrypted and protected by a PIN. You can complete your transactions in seconds and receive instant confirmation and receipt. You can also check your balance and transaction history anytime.
- It is affordable and rewarding. The Opay USSD code charges low fees for transactions, compared to other platforms or banks. You can also enjoy discounts, cashback, and bonuses when you use the Opay USSD code for certain services, such as airtime, data, or bill payments.
What is the maximum amount of money I can transfer with Opay USSD code?
The maximum amount of money you can transfer with Opay USSD code depends on your account level and verification status. According to the web search results, there are four account levels on Opay: KYC 1, KYC 2, KYC 3, and Merchant. Each level has different limits for single transactions, daily transactions, cumulative transactions, and maximum account balance. Here are the limits for each level:
- KYC 1: This is the default level when you create an Opay account. You can transfer up to ₦20,000 per transaction, ₦50,000 per day, and ₦400,000 in total. Your maximum account balance is ₦50,000.
- KYC 2: This is the level you can upgrade to after submitting some bank details. You can transfer up to ₦50,000 per transaction, ₦200,000 per day, and unlimited in total. Your maximum account balance is ₦200,000.
- KYC 3: This is the level you can upgrade to after submitting your BVN and ID card. You can transfer up to ₦100,000 per transaction, ₦500,000 per day, and unlimited in total. Your maximum account balance is ₦500,000.
- Merchant: This is the level for business owners who use Opay to accept payments from customers. You can transfer up to ₦200,000 per transaction, ₦1,000,000 per day, and unlimited in total. Your maximum account balance is ₦1,000,000.
To use the Opay USSD code for transfer, you need to dial *955# and select the option for “Transfer”. You can then choose to transfer to Opay or to other banks. You will be asked to enter the recipient’s phone number or account number, the amount, and your PIN.
What is the minimum amount of money I can transfer with Opay USSD code?
According to the web search results, the minimum amount of money you can transfer with Opay USSD code depends on the method of funding your Opay account. If you fund your Opay account through cash or USSD, the minimum amount you can transfer is ₦100. However, if you fund your Opay account through bank transfer, you can transfer less than ₦100. To use the Opay USSD code for transfer, you need to dial *955# and select the option for “Transfer”. You can then choose to transfer to Opay or to other banks. You will be asked to enter the recipient’s phone number or account number, the amount, and your PIN.
Frequently Asked Questions About the Opay USSD Code
Here are some common questions and answers about the Opay USSD code and its features:
What is the Opay USSD code for transfer?
The Opay USSD code for transfer is *955#. You can use this code to transfer money to other Opay users or other bank accounts. To transfer money, dial *955# and select the option for “Transfer”. You can then choose to transfer to Opay or to other banks. You will be asked to enter the recipient’s phone number or account number, the amount, and your PIN.
How to check Opay balance via USSD?
Your Opay balance will be displayed on your phone’s screen instantly. It is free of charge. To check your Opay balance via USSD, dial *955# and select the option for “Balance”. You will be asked to enter your PIN to view your balance.
What is the Opay USSD code for airtime?
The Opay USSD code for airtime is *955#. You can use this code to buy airtime for yourself or others. You can also enjoy discounts and cashback when you buy airtime with the Opay USSD code. To buy airtime, dial *955# and select the option for “Airtime”. You can then choose to buy for yourself or others. You will be asked to enter the phone number, the amount, and your PIN.
What is the Opay USSD code for data?
The Opay USSD code for data is *955#. You can use this code to buy data for yourself or others. You can also enjoy discounts and cashback when you buy data with the Opay USSD code. To buy data, dial *955# and select the option for “Data”. You can then choose to buy for yourself or others. You will be asked to enter the phone number, the data plan, and your PIN.
How to fund Opay account via USSD?
You can fund your Opay account via USSD by getting an OTP and using it to make a deposit at any Opay agent or ATM. To get an OTP, dial *955# and select the option for “Fund Account”. You will be asked to enter the amount you want to deposit and your PIN. You will then receive an OTP that you can use to fund your account.
How to withdraw from Opay account via USSD?
You can withdraw from your Opay account via USSD by getting an OTP and using it to make a withdrawal at any Opay agent or ATM. To get an OTP, dial *955# and select the option for “Withdrawal”. You will be asked to enter the amount you want to withdraw and your PIN. You will then receive an OTP that you can use to withdraw your money.
How to pay bills with Opay USSD code?
You can pay bills with the Opay USSD code by selecting the biller you want to pay and entering the details of your payment. To pay bills, dial *955# and select the option for “Pay Bills”. You can then choose from a list of billers, such as electricity, cable TV, water, etc. You will be asked to enter the biller’s name or code, the amount, and your PIN.
How to fund betting account with Opay USSD code?
You can fund your betting account with the Opay USSD code by selecting the betting platform you want to fund and entering the details of your payment. To fund your betting account, dial *955# and select the option for “Betting”. You can then choose from a list of betting platforms, such as Bet9ja, Nairabet, etc. You will be asked to enter the betting platform’s name or code, the amount, and your PIN.
How to save or invest with Opay USSD code?
You can save or invest with the Opay USSD code by selecting the Opay product you want to save or invest in and entering the details of your payment. To save or invest, dial *955# and select the option for “Savings/Investment”. You can then choose from a list of Opay products, such as Owealth, Ocar, etc. You will be asked to enter the product’s name or code, the amount, and your PIN.
Conclusion
The Opay USSD code is a convenient and affordable way to perform banking transactions in Nigeria. You can use it to transfer money, buy airtime or data, check your balance, pay bills, fund your betting account, save or invest, and more. You can also enjoy discounts, cashback, and bonuses when you use the Opay USSD code for certain services.
To use the Opay USSD code, you need to have an Opay account and a phone number linked to it. You also need to have a four-digit PIN to authorize your transactions. You can create an Opay account by dialing *955# or downloading the Opay app. You can then use the Opay USSD code by dialing *955# and selecting the service you want from the menu.
We hope this article has helped you understand how to use the Opay USSD code for easy banking in Nigeria. If you have any questions or feedback, please feel free to leave a comment below.