USSD Access

Use Danipa without a smartphone — check balances, send money, and pay bills using USSD codes on any mobile phone.

Overview

Danipa's USSD service lets you access your account from any mobile phone — no smartphone, internet connection, or app download required. Simply dial a short code and follow the menu prompts.

This is ideal for:

• Feature phone users
• Areas with limited internet connectivity
• Quick transactions when you don't want to open the app
• Emergency access when your smartphone is unavailable

Getting Started

Activation

If you already have a Danipa account, USSD access is automatically enabled. No additional setup needed.

If you don't have an account yet, you can register via USSD:

1. Dial *920*55# from your registered phone number
2. Select 1 — Register
3. Follow the prompts to enter your name and create a PIN
4. You'll receive a confirmation SMS

Note: The USSD short code may vary by country. Check danipa.com for your country's code.

USSD Menu

Dial *920*55# to access the main menu:

Welcome to Danipa
1. Check Balance
2. Send Money
3. Withdraw
4. Buy Airtime
5. Buy Data
6. Pay Bill
7. Mini Statement
8. My Account
0. Exit

Check Balance

1. Dial *920*55#
2. Select 1 — Check Balance
3. Enter your 4-digit PIN
4. Your balance is displayed on screen

Quick code: Dial *920*55*1# to go directly to balance check.

Send Money

To Mobile Money

1. Dial *920*55#
2. Select 2 — Send Money
3. Select 1 — Mobile Money
4. Enter the recipient's phone number
5. Enter the amount
6. Confirm the recipient name displayed
7. Enter your PIN
8. You'll receive a confirmation SMS

Quick code: *920*55*2*PHONE*AMOUNT#

Example: *920*55*2*0241234567*100# sends GHS 100 to 0241234567.

To Danipa Wallet

1. Dial *920*55#
2. Select 2 — Send Money
3. Select 2 — Danipa Wallet
4. Enter the recipient's phone number or Danipa ID
5. Enter the amount
6. Confirm and enter your PIN

Withdraw to Mobile Money

1. Dial *920*55#
2. Select 3 — Withdraw
3. Enter the amount
4. Confirm the mobile money number
5. Enter your PIN
6. Funds are sent to your mobile money account

Buy Airtime

For Your Own Number

Quick code: *920*55*4*AMOUNT#

Example: *920*55*4*10# buys GHS 10 airtime for your number.

For Another Number

1. Dial *920*55#
2. Select 4 — Buy Airtime
3. Select 2 — Another Number
4. Enter the phone number
5. Enter the amount
6. Enter your PIN

Buy Data

1. Dial *920*55#
2. Select 5 — Buy Data
3. Enter the phone number (or press # for your own)
4. Select the network
5. Browse available bundles and select one
6. Enter your PIN to confirm

Pay Bill

1. Dial *920*55#
2. Select 6 — Pay Bill
3. Select the bill type:
   • 1 — Electricity
   • 2 — Water
   • 3 — Internet/TV
4. Enter your account/meter number
5. Enter the amount (or view outstanding balance for postpaid)
6. Enter your PIN
7. For prepaid electricity, your token will be sent via SMS

Mini Statement

View your last 5 transactions:

1. Dial *920*55#
2. Select 7 — Mini Statement
3. Enter your PIN
4. Your recent transactions are displayed

My Account

1. Dial *920*55#
2. Select 8 — My Account
3. Options:
   • 1 — Change PIN — update your transaction PIN
   • 2 — Check KYC Status — view your verification tier
   • 3 — Block Account — emergency account lock
   • 4 — Language — switch between English and French

Quick Code Reference

USSD Session Limits

If your session times out, simply redial *920*55# to start again.

Transaction Limits via USSD

USSD transactions follow the same limits as the app, based on your KYC tier:

Tips

• Memorize quick codes for your most common transactions — they're much faster than navigating menus
• Don't share your PIN — Danipa will never call or text asking for your PIN
• Keep your SIM secure — USSD is tied to your SIM card. Report a lost SIM immediately
• Check your balance after every transaction to confirm it was processed correctly
• Use the app for more complex actions like creating payment links, viewing exchange rates, or managing invoices — USSD is best for quick, simple transactions

Troubleshooting