Mobile banking in Nigeria has advanced rapidly, with different platforms providing convenient financial solutions. One of the leading options is PalmPay, a digital finance app that allows users to make payments, transfer funds, buy airtime, and pay bills. While many people access PalmPay through its mobile app, not everyone has constant internet access or a smartphone. This is why the Palmpay USSD code is an important tool.
With the Palmpay USSD code, you can carry out banking transactions directly from any type of phone—whether a smartphone or a basic feature phone without internet. This article provides a detailed guide on the Palmpay USSD code for transfer, airtime, bill payment, and mobile banking.
What is the Palmpay USSD Code?
The Palmpay USSD code is *861#, a short dialing code that allows users to perform a wide range of transactions without internet access. By dialing this code from the phone number linked to your Palmpay account, you can send money, recharge airtime, buy data, pay bills, fund betting accounts, check balances, and more.
Also read: Fidelity Bank Code for Transfers & Checking Account Balance | Full Guide
Some references list *652# as an access code, but the official Palmpay USSD code widely in use today is *861#. Once dialed, it opens a simple menu on your phone screen where you can select the service you want.
Benefits of Using Palmpay USSD Code
The Palmpay USSD code comes with many benefits that make financial transactions easier:
- No internet required: Works on all mobile phones, including basic feature phones.
- Accessibility: Available across all major Nigerian networks—MTN, Glo, Airtel, and 9mobile.
- Speed: Transactions are processed instantly.
- Convenience: Available 24/7, including weekends and public holidays.
- Security: Every transaction requires a personal PIN, keeping your account safe.
- Inclusivity: Ideal for people in rural areas or with unstable internet connectivity.
Requirements for Using Palmpay USSD Code
Before you can use the Palmpay USSD service, you need to meet these requirements:
- A registered Palmpay account.
- A linked phone number to your Palmpay account.
- A secure 4-digit PIN for authentication.
If you don’t have an account, you can create one using the Palmpay mobile app. Once set up, you can immediately begin using the USSD service.
Also read: Latest On UBA USSD Code, For Airtime, Transfers And Mobile Banking
How to Register for Palmpay USSD Banking
To activate the service, follow these steps:
- Dial *861# on your phone using the number linked to your Palmpay account.
- Select “Register” if prompted.
- Enter your Palmpay account details.
- Set up a secure 4-digit PIN.
- Once completed, you can start using the Palmpay USSD code.
Full List of Palmpay USSD Codes and Functions
Here is a detailed breakdown of the major Palmpay USSD codes and what each one does:
| Function | USSD Code | Description |
|---|---|---|
| General access menu | *861# | Main Palmpay USSD code for all services |
| Transfer to Palmpay or other banks | *861*1# | Send money instantly |
| Airtime for self | *861*2*Amount# | Recharge your own number |
| Airtime for others | *861*2*Amount*PhoneNumber# | Recharge another person’s line |
| Buy data | *861*3# | Purchase internet data bundles |
| Fund betting account | *861*4# | Deposit into betting platforms (Bet9ja, BetKing, etc.) |
| Check balance | *861*5# | View your Palmpay account balance |
| Transaction history | *861*6# | Check recent account activities |
| Block ATM card | *861*7# | Block your Palmpay ATM card if lost or stolen |
| Reset PIN | *861*11# | Reset or change your PIN |
How to Use Palmpay USSD Code for Key Transactions
1. How to Transfer Money with Palmpay USSD Code
- Dial *861#.
- Select “Transfer”.
- Choose between Palmpay account or other bank account.
- Enter the recipient’s details and amount.
- Confirm with your PIN.
Alternatively, you can dial *861*1# directly to initiate transfers.
Also read: Full List of Airtel USSD Codes | Transfer, OTP, Airtime & More
2. How to Buy Airtime Using Palmpay USSD Code
There are two ways to recharge airtime:
- For self: Dial *861*2*Amount#. Example:
*861*2*500#to recharge ₦500. - For others: Dial *861*2*Amount*PhoneNumber#. Example:
*861*2*200*08012345678#to send ₦200 to another line.
3. How to Buy Data with Palmpay USSD Code
- Dial *861*3#.
- Select your network provider.
- Choose the data bundle you want.
- Confirm with your PIN.
4. How to Check Your Palmpay Account Balance
- Dial *861*5#.
- Enter your PIN.
- Your current balance will be displayed instantly.
Also read: Virtual NIN in Nigeria: How to Generate it in 2025
5. How to Pay Bills with Palmpay USSD Code
- Dial *861#.
- Select “Pay Bills”.
- Choose from available services such as electricity, cable TV, or internet subscriptions.
- Enter customer/account details.
- Confirm with your PIN.
6. How to Fund Betting Accounts
PalmPay supports deposits into popular betting platforms like Bet9ja, BetKing, 1xBet, and SportyBet.
- Dial *861*4#.
- Select your betting platform.
- Enter account/ID and amount.
- Confirm with your PIN.
Palmpay USSD Transaction Charges
While many transactions are free, some attract small fees:
- USSD session access: ₦10 per dial.
- Money transfers: ₦10–₦25 depending on the recipient’s bank.
- Bill payments: Free–₦20, depending on the provider.
- Airtime and data top-up: Usually free.
- Balance inquiry: Free or ₦5 depending on the network.
Always check the displayed fee before confirming any transaction.
Also read: Newest USSD Codes for Network Providers in Nigeria
Security Tips for Using Palmpay USSD Code
To stay safe while using the Palmpay USSD code:
- Use a strong PIN (avoid birthdays or simple patterns).
- Never share your PIN with anyone—not even Palmpay staff.
- Block your account immediately if your phone is lost or stolen by dialing the block code.
- Confirm details before completing transfers.
- Regularly review your account history for unusual activity.
Troubleshooting Palmpay USSD Code Issues
Sometimes, the Palmpay USSD code may not work as expected. Here are common fixes:
- Code not working: Ensure you are dialing *861# on the registered number and that you have airtime for the session.
- Transaction not processing: Check your account balance or wait for better network coverage.
- Forgotten PIN: Dial *861*11# to reset.
- Card lost: Block immediately with *861*7#.
- Persistent issues: Contact Palmpay customer care at +234 2018886888 or via support@palmpay.com.
Frequently Asked Questions (FAQs)
1. What is the official Palmpay USSD code?
The official Palmpay USSD code is *861#. Some users may still see *652#, but *861# is the primary code.
2. Can I use the Palmpay USSD code without internet?
Yes. It works without internet and on all types of mobile phones.
3. Which networks support Palmpay USSD?
It works across all major Nigerian networks—MTN, Glo, Airtel, and 9mobile.
4. Is there a fee for using the Palmpay USSD code?
Yes. Most transactions attract small charges, usually ₦10–₦25 depending on the service.
5. Can I use Palmpay USSD without an account?
No. You need an active Palmpay account linked to your phone number.
Conclusion
The Palmpay USSD code *861# is a powerful tool that makes financial transactions simple and accessible for Nigerians. With this code, you can send money, recharge airtime, buy data, check your balance, pay bills, and fund betting accounts without internet.
It works on all mobile phones, across all networks, and is available anytime. By combining speed, convenience, and security, the Palmpay USSD service ensures that modern banking is within reach for everyone, even without a smartphone.
If you want stress-free mobile banking, the Palmpay USSD code is a reliable option you should integrate into your daily transactions.
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References
- www.bitvalve.com – PalmPay USSD Code: Ultimate Guide
- www.pulse.ng – Palmpay USSD Code: Commands List To Check Balance, Transfers, Airtime, and More
- mular.co – PalmPay USSD Codes
- www.gistblog9ja.com – PalmPay USSD Code: The Ultimate Guide to Check Balance, Data Bundle, Transfers, Airtime on Palmpay
- subbase.com.ng – Palmpay USSD Codes In 2025 | Banking Without Internet
