Welcome all, in this blog we’ll walk you through How To Use Opay USSD Code To Send Money, Purchase Airtime and Data, Borrow Loans, Check Account Balance.
Opay is a leading fintech platform in Nigeria that offers a wide range of financial services through their mobile app. One of the key features Opay provides is USSD codes for accessing key services.
Opay USSD codes allow you to send money, buy airtime, check balance, borrow loans and more directly from your phone’s dial pad. USSD stands for Unstructured Supplementary Service Data.
This guide covers the different USSD codes available on Opay and step-by-step instructions for using them to enjoy Opay services without needing data or the app.
About Opay
Opay is a financial technology company founded in 2018 by Opera Group and headquartered in Lagos, Nigeria.
Opay started as a payments platform focused on mobility. It has expanded into a super app providing services like:
- Digital wallet
- Airtime and data
- Bill payments
- Bank transfers
- Quick loans
- Investing
- Ride-hailing
- Food delivery
As of 2022, Opay has over 5 million registered users in Nigeria and processes about $2 billion annually in transactions.
Opay USSD Codes
Here are the main USSD codes to access key Opay services:
With *955# ( Opay USSD code ) this is specially designed for customers to perform banking transactions like: money transfers, airtime, and data purchase, making withdrawals, funding betting accounts, account creation, and so on.
- *955# – Send money
- *955# – Buy airtime
- *955# – Buy data
- *955# – Pay bills
- *955# – Borrow loan
- *955# – Check balance
How To Send Money from Opay with USSD
Follow these steps to send money to anyone using the Opay USSD code:
- Dial *955# on your phone
- Select Option 1 for wallet to wallet transfer
- Enter amount you want to send
- Enter the recipient’s phone number
- Enter reason for transfer
- Enter your Opay PIN
- Confirm details and send
You can send directly to anyone’s phone number through USSD powered by Opay.
How To Buy Airtime using Opay USSD
To purchase airtime with Opay USSD, follow these easy steps:
- Dial *955# to access airtime menu
- Select your network operator
- Enter amount of airtime you want to buy
- Enter your phone number to credit airtime
- Confirm details and follow prompts to pay
Your new airtime balance will reflect immediately once the payment goes through.
How To Purchase Data with Opay USSD
Here is the process for buying mobile data bundles using the Opay USSD code:
- Dial *955# to access data menu
- Select your network’s data bundle options
- Choose plan size and validity duration
- Enter phone number to credit data to
- Follow payment prompts and confirm
You will receive an SMS confirming successful data bundle subscription using Opay.
How To Borrow a Loan with Opay USSD
If you have an Opay wallet already, you can take a loan by USSD. Steps:
- Dial *955# to access loans
- Key in 1 to select Quick Loan
- Enter desired loan amount to borrow
- Select preferred repayment tenor
- Confirm loan details
- Enter your Opay PIN
- Accept loan agreement to complete application
If approved, the loan gets instantly disbursed into your Opay wallet within minutes.
How To Check Opay Account Balance by USSD
Checking your current Opay wallet balance using USSD is easy:
- Dial *955# on your phone
- Select Option 1 for My Opay Wallet
- Enter your Opay PIN when prompted
- Your Opay account balance will display
This allows you check your balance anytime without the Opay app.
Benefits of Opay USSD Codes
Key benefits of using Opay services via USSD include:
- No internet data required
- Works on any type of phone
- Fast access without installing any app
- Secure authentication via PIN/OTP
- Confirm transaction details before completing payments
FAQs About How To Use Opay USSD Code To Send Money, Purchase Airtime and Data, Borrow Loans, Check Account Balance
Here are answered questions on How To Use Opay USSD Code To Send Money, Purchase Airtime and Data, Borrow Loans, Check Account Balance
What network can I use Opay USSD on?
Opay USSD works seamlessly across all mobile networks – Glo, Airtel, 9mobile and MTN.
Do I need to register before using USSD?
Yes, you need an existing Opay account before accessing services via USSD.
Can I use USSD if my phone is not a smartphone?
Yes, Opay USSD works perfectly on both smartphones and feature phones.
Do I need to have the Opay app?
No, you can use all the USSD functions without needing to install the Opay app.
Is there any cost for using Opay USSD?
No, the USSD access is free. You only pay service charges like transfer fees or airtime cost.
What happens if I enter wrong details?
Double check information entered at every step. If wrong details are entered, the transaction will fail.
Can I access my Opay statement via USSD?
No, balance check is the only account feature currently available via Opay USSD.
How do I reset my Opay PIN?
You cannot reset your PIN via USSD. Use Opay app or contact customer care to reset PIN.
What is the maximum amount I can send?
Up to 300,000 Naira per day for wallet-to-wallet transfers via the Opay USSD code.
How long does each session last?
Each Opay USSD session lasts 5 minutes. Re-enter the code if a transaction takes longer.
Can I borrow more than one loan at once?
No, you can only have one active Opay loan at a time taken either via app or USSD.
What happens if my phone switches off?
You will have to re-enter the full USSD code and details from start if your phone switches off mid-process.
Conclusion
Opay’s USSD codes deliver quick access to perform key financial transactions directly from any type of mobile phone without needing data or an app.
Follow the step-by-step guides outlined to easily send money, buy airtime and data, take loans, or check your balance.
After reading this blog, you know How To Use Opay USSD Code To Send Money, Purchase Airtime and Data, Borrow Loans, Check Account Balance. Read on how to loan on OPay account.
