PalmPay USSD Code
One of the most prominent fintech applications in Nigeria, PalmPay facilitates safe, quick, and easy online payments. Even while most people use the mobile app to access PalmPay services, the PalmPay USSD code is a great option, particularly for people who don't have a smartphone or internet connection.
This tutorial is perfect for you if you're dealing with spotty service, using an older phone, or just want the shortcuts the keypad offers. Here, we'll go over the ins and outs of the PalmPay USSD code, including its functionality, the services it provides, and the best practices for using it securely.
What Is PalmPay USSD Code?
You can use your mobile device to access PalmPay services regardless of whether you don't have an internet connection or a smartphone by dialing the PalmPay USSD code. With this, you may access financial services from the convenience of your phone, without the need for an app or data. This is Palmpay's official USSD code is *861#.
This Palmpay USSD code allows you to:
- Transfer money to someone
- Check your PalmPay account balance using your mobile phone
- Buy airtime or data on your phone and love ones
- Pay all utility bills
- Fund your betting accounts for sportbet, Bet9ja, and many more
- Access other PalmPay services, including bill payment, POS, and more
Why Use PalmPay USSD Code?
The PalmPay USSD code offers the following benefits for many reasons:
1. No Internet Needed
Designed particularly for people who live in places with spotty internet service or who do not own smartphones
2. Speed and Convenience
The processes are simple: just telephone the number, choose an option, and you'll be done in no time.
3. 24/7 Availability
Palmpay's USSD code offers 24/7 availability. Even outside banking hours, the USSD service remains accessible.
4. User-Friendly Interface
The Pampay user interface is very friendly, and you don’t need to be tech-savvy to figure things out. The menu is simple and self-explanatory.
5. Supports All Networks
PalmPay USSD works across major Nigerian networks, including MTN, Glo, Airtel, and 9mobile.
How to Register for PalmPay USSD Banking
You need to make sure your PalmPay account is operational and linked to your phone number before you can use their USSD services.
These are the steps to register:
- Dial
*861#the phone number registered with PalmPay with your ID . - Select "Register" if prompted on your mobile phone.
- Enter your PalmPay account details (name, phone number, etc.).
- Set up a secure PIN via the prompt.
- You’re good to start using PalmPay USSD!
How to Use PalmPay USSD Code: Services & Instructions
1. You can Use PalmPay USSD code to send money.
- Dial.
*861# - Select “Send Money.”
- Choose the recipient’s bank or PalmPay account.
- Enter your account number and amount.
- Please confirm the transaction using your PIN.
2. Buy Airtime
- Dial
*861#. on your mobile phone - Select the option to “Buy Airtime.”
- Choose from the option of “Self” or “Others.”
- Enter the amount and the recipient’s number.
- Confirm using your PIN.
3. Buy Data
- Dial.
*861# - Select the preferred option to “Buy Data.”
- Choose a network and a package.
- Enter the recipient's number.
- Confirm with your PIN.
4. Pay Bills
You can use PalmPay USSD code to pay for:
- Electricity (PHED, EKEDC, IKEDC, etc.)
- Cable TV (DStv, GOtv, Startimes)
- Internet providers
Here's how:
- Dial
*861#. on your phone - Select the option “Pay Bills”.
- Choose service type (e.g., TV or electricity).
- Enter an account or smartcard number.
- Make sure you input the amount.
- Authenticate with PIN.
5. Fund Betting Wallets
PalmPay's USSD code also supports deposits into major betting platforms like
- Bet9ja
- SportyBet
- BetKing
- 1xBet
This is how you fund your wallet account using the palmpay USSD code.
- Dial
*861#. on your phone - Choose the option “Fund Betting Wallet”.
- Select the betting platform from the tab menu
- Please make sure you input the account/ID and amount.
- Confirm transaction.
6. Check Account Balance
You can use your Pampay USSD code to check your account balance using your mobile phone. This is how you do it, by following the steps outlined below:
- Dial.
*861# using your phone - Select the option to “Check Balance.”
- Enter your PIN (Personal Identification Number).
- Your current balance will be displayed instantly.
PalmPay USSD Transaction Charges
It doesn't cost much or anything to use the PalmPay USSD code. Here is a list of common fees:
| Palmpay Services | Palmpay Estimated Charge (N) |
|---|---|
| Airtime/Data Top-Up | Free |
| Money Transfer | ₦10–₦25 (depends on the recipient bank) |
| Bill Payment | Free–₦20 (varies by provider) |
| Balance Enquiry | Free or ₦5 (based on network policy) |
Security Tips When Using PalmPay USSD
The following tips can help you secure your PamPay USSD code,
1. Use a strong PIN
Make sure you avoid using birthdays, repeated numbers, or easily guessed patterns.
2. Keep Your PIN Secret
Always have in mind to never share your PIN with anyone, not even PalmPay staff.
3. Report Lost Phones Immediately
Call PalmPay customer service to block USSD access if your registered number is lost or stolen.
4. Use Trusted Networks
Try to avoid using USSD services over public or unknown networks.
What to Do If PalmPay USSD Is Not Working
You may have issues sometimes when the Palmpay USSD code *861#may not respond. Here are common fixes:
1. Check Network Signal
Palmpay USSD code may not work well if the network bars are weak. Change places or wait a few minutes.
2. Ensure You're Using a Registered Number
Use only the number linked to your PalmPay account.
3. Confirm You Have Sufficient Airtime
To start certain USSD transactions, you need to have some Naira airtime.
4. Restart Your Phone
Despite its simplicity, this method effectively resolves short-term issues.
Is your phone still not working properly? Get in touch with PalmPay Customer Care via +234 2018886888 or Email: [email protected]
Frequently Asked Questions (FAQs)
1. Can I use PalmPay USSD even if I don't have an internet connection?
Yes, the USSD code *652# works even when you're not connected to the internet.
2. Is the PalmPay USSD code available on every network?
Yes, it works with 9mobile, MTN, Airtel, and Glo.
3. Do I have to download the PalmPay software to use USSD?
No, but your PalmPay account needs to be active and linked to your phone number.
3. Is it safe to use PalmPay USSD?
Yes, it uses powerful encryption and checks your personal PIN.
In conclusion, you don't need a smartphone or the internet to use the PalmPay USSD code *861#. It's a powerful tool that gives you control over your money. It's quick, dependable, and safe, whether you're sending money, buying airtime, paying bills, or checking your balance.
The PalmPay USSD service is a game-changer for Nigerians who want their financial transactions to be easy and flexible. Use it to the fullest today and enjoy modern banking without the restrictions of technology. You can as reach pampay customer service if you have any issues