OPay
App-first; emergency lock codes *955*131# / *955*132#OPay is an app-led microfinance and payments platform. Its official site highlights transfers, bills, debit cards, security, and emergency account/card locking codes.
Best for: Fast app payments, wallet use, cards and agent access
How to set it up
OPay is app-first. Install only from the store link on OPay's official website, register your phone number, complete the required identity checks and create a private transaction PIN.
Practical routes
| Task | Code or route | What to do |
|---|---|---|
| Send money | OPay app | Tap Transfer, choose OPay or bank transfer, enter the account and amount, verify the name, then approve. |
| Check balance | OPay app home | Open the official app; the wallet balance appears on the home screen after secure sign-in. |
| Pay airtime or bills | OPay app | Choose Airtime/Data or Bills, select the provider, enter the customer details and check the amount. |
| Lock OPay account | *955*131# | Dial the official emergency code and follow the account-lock prompts. |
| Lock OPay card | *955*132# | Dial the official emergency code and follow the card-lock prompts. |
Emergency action
OPay's official contact page publishes *955*131# for account locking and *955*132# for card locking. Use the relevant code immediately, then contact OPay through its in-app service centre or official phone numbers.
Fees: USSD session, transfer, bill and statutory charges can change. Read the full confirmation screen before entering your PIN; cancel if the amount or fee is not what you expected.
Limits: Limits depend on the account tier, identity verification, channel and the provider's current rules. Check the live limit in the app or official menu before a large transaction.
Digital access: App, debit card, agents and selected USSD security codes
Support: Large app and agent ecosystem