How to Transfer Money on OPay in 2026

Sending money with CBN in 2026 is built to be quick, reliable, and safe whether you are using the mobile app or the USSD code (*955#).

As one of Nigeria’s top fintech platforms, OPay enables instant transfers to all local banks and fellow OPay users, with several free transfers available daily.

This detailed guide explains all the available ways to send money on OPay, including transfers through the app, USSD banking, and solutions to common transaction problems.

1. How to Transfer Money Using the OPay App

The OPay mobile application is the main channel for performing transactions and is designed for ease of use. Before starting any transfer, make sure your OPay wallet has enough balance.

1. Transfer to Another OPay User (Free)

Sending money to another OPay customer is fast and usually does not attract charges.

Steps:

1. Launch the OPay App: Log in using your PIN, password, or fingerprint.
2. Tap “Transfer”: Select the Transfer option on the home screen.
3. Choose “OPay Wallet”: Pick the option to send funds to another OPay account.
4. Enter Recipient Information: Input the receiver’s registered phone number. The system will display the account name for confirmation.
5. Type in the Amount: Enter how much you want to send.
6. Confirm Transaction: Review the details and approve by entering your 6-digit transaction PIN.

• B. Transfer to Other Bank Accounts

OPay allows direct transfers to any Nigerian bank such as Access Bank, Zenith, UBA, First Bank, and others.

Steps:

1. Open the OPay App and tap “Transfer.”
2. Select “To Bank Account.”
3. Choose the Bank: Pick the recipient’s bank from the list.
4. Enter Account Number: Provide the 10-digit NUBAN number. The system will verify the account name automatically.
5. Input Amount and Description: Add the transfer amount and optional narration.
6. Preview Transaction: Review recipient name, fees, and amount.
7. Authorize with PIN: Enter your 6-digit transaction PIN to complete the transfer.

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• 2. How to Transfer Money Using OPay USSD Code (*955#)

1. Activate OPay USSD Code

Before using USSD banking, activation is required.

• Dial *955# using the phone number linked to your OPay account.
• Follow the on-screen instructions to create a 4-digit or 6-digit USSD PIN.

1. Transfer to Another OPay User (USSD)

Format:
*9551Amount*PhoneNumber#

Example:
To send ₦5,000, dial:
*95515000*08012345678#

Confirmation:
Enter your USSD PIN when prompted to finalize the transaction.

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3. C. Transfer to Other Banks (USSD)

Format:
*9552Amount*AccountNumber#