Do you want to know about the Opay USSD code to send money to a bank account? Opay provides a quick way to transfer money on any mobile phone for those who do not have access to Opay app or mobile data and want to perform quick transactions even in areas with poor network coverage

In this post, you will learn:

• What the Opay USSD code is and how it works.
• Requirements for using the USSD code for transfers.
• The exact steps to transfer money easily and securely.
• Troubleshooting tips for common issues that may arise.

Opay Transfer Code Requirements

• Dial from Your Opay Registered Phone Number: The USSD code must be dialed from the phone number registered with your Opay account.
• Sufficient Airtime: You need to have enough airtime on your phone to complete the transaction. This includes the service charge.
• Sufficient Funds in Your Opay Account: Ensure your Opay account has enough money to cover the transfer amount and the service charge, which is 10 Naira.

Opay Transfer Code to Bank Account (Quick Method)

To transfer money from Opay to another bank account quickly, use the following USSD code format:
*955*2*amount*10 digit account no#

Here’s how to use it:

• Dial the USSD code on your phone (MTN, Glo, Airtel, or 9mobile) in the format specified above, replacing “amount” with the amount you want to transfer and “10 digit account no” with the recipient’s NUBAN account number.
• Enter your Opay 4-digit PIN to confirm the transfer.
• You will receive a transaction success message on your screen, as well as an SMS confirming the transfer.

If you forget the Opay short code, you can always dial *955# and follow the prompts to make your transfer.

How to Transfer Money from Opay to Another Bank Account Using USSD Code:

Here are the seven steps to transfer money from Opay to a bank account with USSD code (*955#):

1. Dial the Opay USSD code:

Start by dialing *955# on your Opay registered phone number. This USSD code works on MTN, Glo, Airtel, and 9mobile in Nigeria.

2. Select the Transfer option:

From the list of options presented, select the “Transfer” option, which is the first on the list.

3. Select Transfer to Bank Account:

Choose the option to transfer money to a bank account.

4. Enter the Recipient’s Account Details:

Input the 10-digit account number of the person you are sending money to.

Then, select the bank name of the recipient.

5. Input the Transfer Amount:

Enter the amount you wish to transfer. Note that you can only send money within your account tier transfer limit.

Read: How to Check Opay Transfer Limit

6. Enter your Opay Payment PIN:

Confirm your transfer request by entering your Opay 4-digit PIN. This code enable you to authenticate transactions on Opay.

7. Transfer Money to Bank Account:

Once enter the PIN, Opay will transfer the money to the receiver’s bank account. Due to bank network issues, it may take few minutes to reflect in the recipient account.

Once the transaction is processed, you will see a success message on your screen, and an SMS will also be sent to confirm the transaction.

Read: Opay USSD Code to Transfer Money to Opay Account

Opay USSD Code Transfer Limits & Fees

Transfer Limits:

• Tier 1: ₦50,000 per day.
• Tier 2: ₦200,000 per day.
• Tier 3: ₦5 million per day.

Opay App Transfer Fees:

• Service Charge: A fixed fee of 10 Naira for using the Opay transfer code.
• Network Charge: An additional network charge of 6.94 Naira by your mobile network provider in Nigeria.
• Free Transfers: Opay allows up to three free transfers daily to other bank accounts in Nigeria. If you exceed this limit, Opay will charge a variable fee based on the transfer amount, starting from 10 Naira for amounts within 10,000 Naira.

Common Issues When Using Opay USSD Code for Transfers

• Transaction Failure: If a transaction fails, check the following:
  • Ensure you have sufficient balance in your Opay account to cover the transfer and fees.
  • Verify that you entered the correct recipient’s account number.
  • Re-enter your Opay PIN to confirm the transaction.
• Network Problems: Poor network connectivity can disrupt the transaction process. If you experience issues:
  • Move to an area with better reception and try again.
  • Ensure that your mobile network service is active and functioning.
• Incorrect PIN: If you input an incorrect PIN multiple times, your account may temporarily lock for security reasons. If this happens:
  • Wait for a few minutes and try again.
  • If you still cannot access your account, contact Opay customer support for assistance.

Alternatives: Opay Transfer Code to a Bank Account

• Use the Opay Mobile App: The Opay app offers a user-friendly interface for transferring money to bank accounts or other Opay users. Simply log in, select the transfer option, and follow the prompts to complete your transaction.
• Visit Opay Physical Agents: You can also transfer money by visiting a nearby Opay agent. This option may involve a service fee, but it allows you to make transactions in person with assistance if needed.
• Other Bank Mobile App: If you have internet access, consider using your bank’s mobile app or online banking platform to transfer money. This method can be more familiar and may offer additional features, such as viewing account statements.

FAQs

Summary

Opay provides a simple and efficient way to transfer money from your Opay account to another bank account using USSD code, making financial transactions accessible to everyone.

To recap, here are the key points covered in this post:

• To transfer Money to a bank account Using Opay USSD Code, do this: Dial *955*2*amount*10-digit account no# on your phone, enter your Opay PIN, and receive a transaction success message.
• Requirements for Transfer: Ensure you have sufficient airtime and funds, including the service charge.
• Transfer Limits and Fees: Be aware of the transfer limits based on your account tier and the applicable service charges.
• Alternatives: Options like the Opay app and physical agents are available for those who prefer not to use USSD.

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