If your phone is stolen and your OPay account is on that phone, you must act immediately. Delays can lead to unauthorised transfers, card usage, and total loss of funds.
This guide explains exactly how to block an OPay account when a phone is stolen, using official USSD codes, and what to do next to secure and recover the account. The information here is clear, verified, and practical.
This article is published by bankibusiness.com to help Nigerians protect their money without confusion.
Why Blocking Your OPay Account Immediately Is Important
Once a phone is stolen, the risk to your OPay account becomes real. Anyone with access to the device may attempt to:
- Open the OPay app
- Transfer funds
- Reset login details
- Use saved biometric access
- Withdraw money using an OPay ATM card
Blocking the account immediately freezes all activities and protects your balance.
Official USSD Code to Block OPay Account Immediately
OPay Account Blocking Code
*955*131#
This is the official USSD code to block an OPay account.
Key facts you must know:
- The code works on any available phone
- You do not need the stolen phone
- The OPay app does not need to be opened
- Once dialled, the OPay wallet is blocked instantly
- All transactions stop immediately
This is the fastest and safest way to secure your OPay account after phone theft.
Official USSD Code to Block OPay ATM Card
If you have an OPay ATM card, you must block it separately.
OPay ATM Card Blocking Code
*955*132#
This code:
- Blocks ATM withdrawals
- Stops POS usage
- Prevents card-based transactions
Blocking the ATM card is important because blocking the wallet alone does not automatically block the card.
What to Do Immediately After Dialling the USSD Codes
After using *955*131# and *955*132#, your account is safe. Next steps are for recovery and long-term protection.
Step 1: Block or Retrieve Your SIM Card
Visit your mobile network provider to block the stolen SIM or request a SIM replacement. This prevents OTP misuse and unauthorised resets.
Step 2: Contact OPay Customer Support
Inform OPay that your phone was stolen and your account has been blocked via USSD.
- Customer Care: 0700 888 8329
- Email: customerservice@opay-inc.com
This helps document the case and prepares your account for recovery.
What Happens After Your OPay Account Is Blocked
Once blocked:
- Transfers are disabled
- Withdrawals are disabled
- Card transactions stop
- Your wallet balance remains intact
- No one can access the account
The block remains active until you request recovery.
How to Recover Your OPay Account After Blocking
When you get a new phone and SIM card:
- Install the OPay app
- Contact OPay customer support
- Request account recovery
- Complete identity verification
- Set a new password and transaction PIN
Recovery time depends on verification accuracy but usually takes a few hours to one working day.
Common Mistakes Nigerians Make After Phone Theft
Avoid these mistakes:
- Waiting before blocking the account
- Assuming phone lock is enough
- Blocking only the card and not the wallet
- Sharing account details with third parties
- Using fake customer care numbers online
Always use official OPay channels.
How to Prevent This Situation in the Future
To reduce risk:
- Memorise OPay USSD codes
- Enable app security features
- Do not share OTP or PIN
- Avoid saving passwords on your phone
- Act immediately when a phone is lost
Preparedness protects money.
Summary: What to Do When Your OPay Phone Is Stolen
- Block OPay account:
*955*131# - Block OPay ATM card:
*955*132# - Dial from any available phone
- Block SIM card
- Contact OPay support
- Recover account later
Conclusion
Knowing how to block an OPay account when a phone is stolen is essential for every OPay user in Nigeria. The USSD codes work instantly and do not require internet access.
This guide by bankibusiness.com, written by Prudent Joshua, is provided to help Nigerians act fast, stay calm, and protect their money without confusion.