PalmPay Mobile App and ussd

PalmPay Mobile App and ussd :How to transfer money, buy airtime and pay bills

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PalmPay Mobile App and ussd services provide a convenient and accessible way for users to manage their financial transactions without the need for a smartphone or internet connectivity.

By simply dialing *861# on a mobile phone, users can effortlessly conduct a variety of banking activities, making PalmPay services particularly beneficial in regions with limited internet access or for those who prefer using basic mobile phones for their financial needs.

The USSD platform serves as a versatile tool for performing essential banking functions such as checking account balances, transferring money, purchasing airtime, and paying bills.

Customers without access to smartphones are able to make transactions via a nationwide network of over 500,000 Mobile Money Agents.

PalmPay has achieved significant milestones in Nigeria, reaching over 30 million registered users on its app and connecting 1.1 million businesses through its network of mobile money agents and merchants.

The company has been a key driver of financial inclusion in Nigeria, with a third of PalmPay users reporting that they opened their first-ever financial account through the platform.

As part of PalmPay’s broader suite of innovative financial solutions, the USSD services expand the reach of digital banking, bridging the gap between traditional and modern financial practices and empowering users to take control of their financial wellbeing with simplicity and reliability.

PalmPay has been operating in Nigeria since 2019 under a Mobile Money Operator license issued by the CBN. The fintech pioneered a model that provides financial services such as money transfers, bill payments, credit services and savings via a one-stop-shop financial ‘super -app’.

Read: How to register for OPay USSD codes and transact

How To Register For Palmpay mobile app

 

To register for PalmPay USSD, dial  *861# on your mobile phone and follow the prompts to link your account and set a PIN. and the register for palm pay mobile app

Here’s a detailed guide to help you get started:

Step 1: Download the PalmPay App

  • Go to Google Play Store or Apple App Store

  • Search for PalmPay

  • Download and install the app

Step 2: Register Your Account

  • Open the app

  • Enter your phone number

  • Verify with the OTP code

  • Set your PIN and complete your profile

After Registration: Use PalmPay USSD Code

Once registered, you can use the PalmPay USSD code: *861# on your registered phone number to:

  • Check balance

  • Send money

  • Buy airtime/data

  • Pay bills

Benefits Of Using Palmpay Ussd an mobile app

Using PalmPay via USSD and the mobile app offers different advantages depending on your needs and situation. Here’s a breakdown of the benefits of each:

  • Full-featured experience: Access all services including transfers, bill payments, airtime/data, savings, and rewards.
  • User-friendly interface: Easy navigation with visuals and touch controls.
  • Real-time notifications: Get instant alerts for transactions and promotions.
  • Security options: Biometric login, PIN protection, and device verification.
  • Promos and cashback: Enjoy discounts, coupons, and loyalty rewards.
  • QR code payments: Scan and pay at supported merchants.
  • Transaction history: View detailed records and receipts anytime.

Benefits of Using PalmPay USSD ( *861#)

  • Works without internet: Ideal for areas with poor network or low data.
  • Compatible with basic phones: No smartphone required.
  • Quick access: Fast transactions with simple menu prompts.
  • Emergency use: Block your account or transfer funds even when offline.
  • Low data cost: No need for mobile data or app downloads.

Read: Palmpay office Address location in Nigeria and customer care number and email address

How to transfer money with palmpay

 

Here’s how you can transfer money with PalmPay in Nigeria. There are a couple of ways depending on whether you’re using the app or USSD.

Using the PalmPay App

  1. Open the PalmPay app and log in.

  2. Tap on “Transfer” (or similar, e.g. “Send money”).

  3. Choose the type of receiver:

    • To another PalmPay user (by phone number)

    • To a bank account (if supported)

  4. Enter recipient details (phone number or bank name + account number).

  5. Enter amount you want to send.

  6. Add a remark if needed.

  7. Confirm that all recipient/account details are correct.

  8. Authorize with your PalmPay PIN.

 Using USSD Codes

If you prefer using USSD (no internet needed), here are general steps:

  • Dial the PalmPay USSD code: *652# from your registered phone number.

  • Select “Transfer Money” or the option for “Transfer.”

  • Enter recipient’s account/phone number and bank (if sending to bank).

  • Type the amount.

  • Enter your PalmPay PIN to confirm.

Read: Opay office Address location in Nigeria and customer care number and email address

How to buy airtime and data from palmpay

Here’s how to buy airtime or data using PalmPay in Nigeria — via app or USSD.

Using the PalmPay App

  1. Open the PalmPay app on your phone.

  2. Log in (if you haven’t already).

  3. Find and tap the “Airtime & Data” (or similar) section.

  4. Select or enter the phone number you want to top up.

    • It could be your own number, or somebody else’s.

  5. Choose the network provider (e.g. MTN, Airtel, Glo, 9mobile).

  6. Pick the amount or bundle of airtime/data you want.

  7. Confirm the purchase by entering your PalmPay PIN.

  8. Once confirmed, the airtime or data bundle should be credited almost immediately.

Using USSD (No Internet Needed)

To use USSD, make sure you’re dialing from the phone number registered with your PalmPay account.

There are different codes reported, depending on updates. Two common ones are *861#.

Here’s a general flow:

  1. Dial the PalmPay USSD code (e.g. *652# or *861#) from your registered number.

  2. Choose the option for “Airtime” (or “Airtime Purchase”).

    • If buying for someone else, select the “Other” option and enter their phone number.

  3. Enter the amount you want.

  4. Confirm by entering your PalmPay PIN.

Similarly, for data bundles:

  • Dial the same USSD code.

  • Choose “Data Purchase” option.

  • Pick whether it’s for your number or someone else’s. Enter number if needed.

  • Choose network provider.

  • Select bundle size.

  • Confirm with PIN.

Read: How to register for US Bank Online Banking and Mobile App

How to pay bills from palmpay

To pay bills using PalmPay, follow these simple steps. PalmPay is a mobile payment platform widely used in Nigeria and a few other countries for paying utility bills, buying airtime, and making transfers.

  1. Open the PalmPay App

    • Make sure you’re logged into your account.

    • If you don’t have the app yet, download it from the Google Play Store or Apple App Store and create an account.

  2. Fund Your Wallet

    • Ensure your PalmPay wallet has enough balance.

    • You can fund it via:

      • Bank transfer

      • ATM card

      • USSD

  3. Go to the “Pay Bills” Section

    • On the homepage, tap “Pay Bills” or “Services”.

  4. Choose the Type of Bill You Want to Pay

    • Common options include:

      • Electricity (PHED, IBEDC, EEDC, etc.)

      • TV subscriptions (DSTV, GOTV, Startimes)

      • Internet (Spectranet, Smile, etc.)

      • Water

      • Education

      • Betting Wallets (e.g. Bet9ja, 1xBet)

  5. Enter the Required Details

    • Depending on the service, you’ll need to enter:

      • Customer ID / Meter Number / Smart Card Number

      • Select provider, amount, etc.

  6. Confirm the Payment

    • Review the details to avoid errors.

    • Tap “Pay” or “Confirm”.

    • You may be asked to enter your PIN or use biometric verification.

  7. Payment Confirmation

    • After successful payment, a receipt will be shown.

    • You can save or screenshot it.

    • You’ll also get an in-app notification or SMS/email confirmation (if enabled).

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