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You may have heard about Opay or used it to perform transactions and you do not really understand what it means or the kind of services it offers, in this article, we will not only tell you what Opay is all about but also show you how to use it and the things you can do with it.
What is Opay
Opay is a mobile payment platform that originated in Nigeria in 2018 by the Opera Software company, known for its web browsers like Opera Mini. Its aim is to provide convenient and secure digital financial services to individuals and businesses and has gained popularity due to its ease of use, affordability, and wide range of services it offers. It has grown rapidly and expanded into other African countries, such as Kenya and South Africa. Its wide range of services include:
1. Mobile Money Transfer: Users can send and receive money to and from other Opay users or bank accounts. It enables quick and easy person-to-person money transfers.
2. Bill Payment: Opay allows users to pay utility bills such as electricity, water, and cable TV subscriptions directly from their mobile devices.
3. Airtime and Data Top-Up: Users can recharge their mobile phones with airtime and data bundles through the Opay platform.
4. Ride-Hailing: Opay started as a motorcycle ride-hailing service in Nigeria called “ORide.” It provided an affordable and efficient transportation option for users.
5. Food Delivery: Opay expanded its services to include food delivery through its platform called “OFood.” Users can order food from restaurants and have it delivered to their location.
6. Loans and Microfinance: Opay also offers access to loan through the Opay app, and perform some sort of microfinance services to individuals and small businesses.
Opay USSD Code
Opay USSD code is a convenient tool for users to perform various transactions and access financial services with their mobile phones. Using the code, users can enjoy a range of operations for effective management of their finances and various transactions without bothering about making use of a smart phone or poor internet connection.
If you don’t have an Opay account, no cause for alarm as opening an Opay account is easy and you don’t need any paper work which makes it convenient. Follow the steps below:
1. On your phone or device, you can either open your browser App and go to opayweb.com where you will be redirected to download the Opay app or you can open your google play store on android or Apple play store on ios
2. After downloading, open the App and it will direct you to register by completing an online registration form. It is better to register using a reference link as there are a lot of bonuses for doing so.
3. To gain full access to all the features on your Opay account, you will need to verify the account by entering a code that will be sent to you for confirmation of the details you provided on the online registration form.
If you want a debit card, however, you may have to visit an Opay branch to enable you obtain the Opay debit card because your phone cannot print out a debit card.
Aside the process described above, Opay has so many other USSD codes which enables you perform different transactions, including opening an Opay account.
For ease of reference, below is a categorization of some of the activities and the respective Opay USSD codes, derived from the original code for opening an account, that you can use to manage your account:
ACTIVITY USSD Code
1. Opening an Opay account *955#
2. Transfer to Bank *9555*2*amount*account number#
3. Transfer to Opay account *955*1* amount*account number#
4. Activate your ATM card *955*03121#
5. Check account balance *955*0#
6. Pay electricity bill *955*6#
7. Fund betting account *955*5#
8. Get OTP *955*010#
9. Buy data *955*4*amount#
10. Buy airtime for your Opay number *955*3*amount#
11. Buy airtime for another number *955*amount*phone number#
USSD Code to open an Opay Account
Follow the steps below to open an Opay account.
1. On your phone or device, dial the code *559#
2. select the ‘Register’ option from the list of options displayed on your phone screen
3. You will be asked to provide basic know your client (KYC) details which includes your name, birth date, and other relevant information.
4. After entering all the necessary details, you can proceed to click on ‘create an account’
5. You will get a welcome message and a notification that your account has been successfully created.
Opay USSD Transfer Code
With this transfer code, you can transfer money from your Opay account to any other bank in Nigeria without using an internet connection.
To send money from your Opay account to any other bank using the USSD Code, follow the steps below:
1. On your phone or device, dial the code *955*2*amount*account number#
2. It will display a list of banks on your screen, select the bank you want to transfer to
3. It will redirect you to confirm the name on the account number, confirm it.
4. Proceed to enter your OPay transfer PIN and press enter.
5. The money will be sent to the recipient.
Note that this code is only applicable when you are transferring from your Opay account to another account. the code for transferring money from Opay to another Opay account is different.
USSD Code for Transferring money from your Opay account to another Opay account
Follow the steps below to transfer money from your Opay account to another Opay account.
1. On your phone or device, dial *955*1*amount*account number#
2. Confirm the name displayed on your phone screen to see if it matches that of the owner of the Opay account.
3. Proceed to enter your Opay transfer PIN
4. After doing this, the money will automatically be sent to the recipient.
Opay USSD Code for ATM Card Activation
By dialing the Opay code on your phone, you will be able to activate your Opay ATM debit card without having to visit the ATM center. Simply follow the steps below to activate your Opay ATM Card:
1. On your phone or device which has your registered Opay phone number, dial the code *955*03121#
2. Enter the default PIN
3. Create a new PIN of your choice to perform your transactions
4. Click ‘enter’ to activate your debit Card.
How to check your account balance with Opay USSD Code
Follow the steps below to check your Opay account balance.
1. On your phone or device, dial the USSD code *955*0#
2. Enter your Opay transfer PIN
3. Click enter and your last Opay account balance will be displayed on your phone screen or device.
Opay USSD Code for paying Electricity Bill
Want to pay your electricity bill? With the Opay USSD Code, you can conveniently pay for your Abuja Electricity Distribution Company (AEDC), Ikeja Electricity Distribution Company (IEDC) and Eko Electricity Distribution Company (EEDC) bills, among others. Follow the steps below:
1. On your phone or device, dial the Opay Code *955*6#
2. Enter the amount you wish to pay for.
3. It will display a list of Distribution Companies (Discos), Select the disco you want to pay.
4. Proceed to select the payment method which could be either Postpaid or Prepaid.
5. Enter the meter number maintained with the selected disco or your customer ID.
6. Confirm if the name matches with the account.
7. If it does, enter your Opay transaction PIN.
8. Click enter and the token for recharge will be sent to your prepaid or post-paid account.
Opayt USSD Code to Fund Your Betting Account
Follow the steps below to credit your betting account.
1. On your phone or device, dial the Opay USSD code *955*5#
2. Enter the amount you want to fund.
3. From the list of betting providers such as Bet9ja, Betway, SpotryBet, BetKing, Frapapa, etc, select the option that you want to fund.
4. Then type in your account ID that is used for the selected provider.
5. Confirm if the name matches the Bet account owner
6. Key in your Opay transaction PIN
7. Click on Summit and your account will be funded.
How to generate One Time Password (OTP) using the Opay USSD Code
If you want to generate OTP and you’re not getting it as SMS on your phone, then follow the steps below to generate through USSD
1. On your phone or device which has your registered Opay number, dial the code *955*010#
2. The OTP will be generated and displayed on your screen
How to Buy Data using the Opay USSD Code
Follow the steps below to recharge your data using the Opay USSD Code.
1. Ensure your account is funded with an amount equivalent to the data you intend to purchase.
2. Dial the Opay code *955*4#
3. Select the data plan of your choice from the list of mobile network plans displayed on the screen.
4. Enter your Opay transaction PIN.
5. Your phone will be credited with data.
How to Buy Airtime for yourself using the Opay USSD Code
Follow the steps below:
1. On your phone or device, dial the Opay USSD Code *955*amount#
2. Enter your Opay transaction PIN.
3. Click enter and your Opay number will be credited with airtime.
How to Buy Airtime for another person using the Opay USSD Code
Follow the steps below :
1. On your phone or device, dial the Opay code *955*3*amount* phone number#
2. Enter your Opay transaction PIN
3. Click enter and the provided phone number will be credited with Airtime.
Conclusion
This article has discussed a variety of transactions using the applicable Opay USSD code. First, we explained what Opay means, then proceeded to discuss the various USSD codes for transfer, ATM card activation, checking your account balance, paying electricity bills, funding your Betting account, generating OTP, buying of data and buying of airtime. Enjoy performing these transactions by simply dialling the relevant USSD codes as explained in this article.
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