Yesterday one of my reader ask me what is the Unstructured Supplementary Service Data (USSD) code to transfer money from palmpay because his phone is bad that he want to make quick transfer for his other phone that doesn’t have app on it.
I was glad to inform him of the code .Due to that reasons i have decide to come up with the complete guide and how to transfer, check balance, by airtime and many more from this article.
Read: How to block Opay account when Phone or card Misplaced
What is PalmPay
PalmPay is a mobile payment and financial services platform that operates primarily in Nigeria and other African countries. It functions as a digital wallet, allowing users to perform various financial transactions and access other services directly from their smartphones.
Key Features and Services of PalmPay:
- Â Send and receive money to other PalmPay users or bank accounts instantly and at low fees.
- Pay utility bills (electricity, water, etc.), cable TV subscriptions, airtime, and other bills conveniently through the app.
- Recharge your mobile phone or buy data bundles for all major networks directly within the app
- Access various savings plans and investment opportunities with competitive interest rates
- Apply for small loans (PalmCredit) directly through the app, subject to eligibility criteria.
- Withdraw cash from ATMs without a physical card using the app’s cardless withdrawal feature.
- Â Earn cashback and other rewards on various transactions and activities within the app.
- Invite friends and family to join PalmPay and earn bonuses.
Pay Attention: All Opay USSD Code and transfer money
Benefits of using PalmPay:
- Manage your finances and access various services from your mobile phone anytime, anywhere.
- The platform is designed to be user-friendly and inclusive, catering to both tech-savvy and less tech-savvy individuals.
- PalmPay offers low fees and competitive rates on its services, making it a cost-effective option.
- The platform employs robust security measures to protect user data and transactions.Â
- Earn cashback and other rewards on your transactions, adding extra value to your experience.
How to register for Palmpay ussd code
PalmPay currently has one active USSD codes with its own registration process:
- *Dial *861# on your phone.
- You will get a message: welcome to palmpay pay N10 for using ths service
- Choose accept and next access request will be directly charged
- Â Enter your PalmPay-linked phone number and create/confirm a PIN.
How to transfer money from palmpay using ussd code
PalmPay currently has one active USSD codes that you can use to transfer money:
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*Dial *861# on your mobile phone
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 Select the option from the menu to initiate a transfer.
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You’ll likely be given two choices:
- To PalmPay User: For sending money to another PalmPay account.
- To Bank Account: For transferring funds to any bank account in Nigeria.
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Enter Details and Amount:
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To PalmPay User: (*861*2*Amount*Phone Number#
To Bank Account:*861*3#
- Enter the recipient’s bank account number.
- Select the recipient’s bank from the list provided.
- Enter the amount you want to transfer.
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Confirm and Authorize:
- Review the details displayed on your screen to ensure accuracy.
- Enter your PalmPay PIN to authorize the transaction.
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You’ll receive a confirmation message if the transfer is successful.
Read Also: How to transfer money from Wema Bank with easy
How to check palmpay account balance using ussd
To vie your palmpay account simply follow the steps below:
- Dial *861*5# on your phone
- Enter your PalmPay PIN for security.
- Your balance should then be displayed on-screen, and you may also receive an SMS confirmation.
How to buy airtime using palmpay ussd code
To buy airtime
- Dial *861*2# on your phone
- Choose “Airtime” from the menu
- You’ll have two options:
- For Self: Your PalmPay-linked number is likely pre-selected, just enter the amount.
- For Others: Enter the recipient’s phone number, then the amount.
- Â Double-check the number and amount displayed.
- Enter your PalmPay PIN to authorize the purchase.
- You’ll receive a confirmation SMS once the airtime is credited.
Buy Data within the PalmPay App:
- Once your PalmPay wallet is funded, open the PalmPay app.
- Navigate to the “Data” or “Buy Data” section.
- Choose your network provider, select the desired data plan, and complete the purchase using your PalmPay balance.
Read: Steps on How to transfer money from unity bank
How to open Palmpay Account
Creating Palmpay Account is as easy.here is what you will need:
What You Will Need
- SmartPhone.
- Active Phone Number.
- Active Email Address.
- Bank Verification Number (BVN).
- Utility Bills
- National Identity Number (NIN).
Here’s how to open a PalmPay account:
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Download the app:
- Go to the Google Play Store (for Android) or the App Store (for iOS) and search for “PalmPay”.
- Download and install the app on your smartphone.
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Launch the PalmPay app.
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Create an Account:
- You’ll typically see a “Sign Up” or “Create Account” button on the welcome screen. Tap on it.
- Enter your mobile phone number and other required personal details.
- You’ll receive an OTP (One-Time Password) via SMS.
- Enter it to verify your phone number.
- Set a secure password for your account.
- Create a 4-digit transaction PIN.
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 Follow any additional prompts to complete the registration process. You may need to provide some basic KYC (Know Your Customer) information. your account will be tier 1 to upgrate to tier 2 and 3 provide the following details in table below:
Tier | Transaction limit [Per day] | Maximum Balance | Verification Required |
1 | 50,000 | 300,000 | Phone Number |
2 | 200,000 | 500,000 | Bank Verification Number |
3 | 500,000 | Unlimited amount of money | Provide your credential like a voter’s card [Utility bills or Valid ID] |
Fund Your PalmPay Account:
Read: How to transfer money from United Bank for Africa (UBA)
All Palmpay ussd
The PalmPay USSD code, *861#, offers a range of features designed for convenient and accessible banking directly from your mobile phone:
- Account Management:
- Check your PalmPay account balance (*861*1#}
- Transfers:
- Send money to other PalmPay users (*861*2*Amount*Phone Number#)
Transfer funds to any bank account in Nigeria (*861*3#)
- Send money to other PalmPay users (*861*2*Amount*Phone Number#)
- Airtime and Data Purchase:
- Buy airtime for yourself or others (*861*2#)
- Purchase data bundles for various networks (*861*4#)
Read: Guide on how to transfer money from Union Bank
Frequently ask question and answer
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What are the PalmPay USSD codes?
- PalmPay currently has two active USSD codes: *861#
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What can I do with PalmPay USSD codes?
- You can perform various actions like:
- Checking your account balance
- Transferring money to other PalmPay users or bank accounts
- Buying airtime
- Paying bills
- Accessing loan services (PalmCredit)
- And more, depending on the specific code and your account
- You can perform various actions like:
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Do I need an internet connection to use PalmPay USSD codes?
- No, you don’t need an internet connection. USSD works on basic phones and smartphones without data.
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What networks support PalmPay USSD codes?
- The *861# codes work on all major networks in Nigeria.
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Are there fees for using PalmPay USSD codes?
- Some transactions, like transfers to bank accounts, incur a small fee. Check the USSD menu or app for the latest fee information.
Specific Questions:
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How do I register for PalmPay USSD?
- Dial either *861#Â and follow the prompts. You may need to create a PalmPay account first if you don’t have one.
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What if I forget my PalmPay PIN?
- You can reset your PIN through the PalmPay app or by contacting PalmPay customer support.
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Can I link multiple bank accounts to my PalmPay account via USSD?
- It’s best to manage linked bank accounts through the PalmPay app. USSD functionality might be limited.
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What if a USSD transaction fails?
- Check your network connection and try again. If the problem persists, contact PalmPay customer care.
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Is it safe to use PalmPay USSD codes?
- Yes, PalmPay takes security seriously. However, keep your PIN confidential and be cautious of phishing attempts.
Bottom Line
The PalmPay USSD code for transfer, airtime, and balance inquiry is a convenient and efficient tool for conducting financial transactions on the go. The user-friendly interface and seamless integration with mobile devices make it easy for customers to access their accounts and perform transactions without the need for internet connectivity. This is particularly beneficial for individuals living in areas with limited internet access or those who prefer not to use smartphone apps for banking.
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