Are you looking for the updated PalmPay USSD Codes in Nigeria for doing Transfers, Airtime and Mobile Banking? Here you have it.
The official PalmPay USSD code is *861#. Dial it from your registered number to access transfers, airtime purchases, balance checks, bill payments, and account security, all without touching your data connection.
For example, dial *861*Amount# to buy airtime for yourself, or follow the on-screen menu after dialling *861# to send money to another PalmPay wallet or any Nigerian bank account.
It works on every Nigerian network and any mobile phone, basic or smart.
Here’s everything you need to know about PalmPay USSD services codes.
Popular PalmPay USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| PalmPay Main Menu | *861# |
| Check Wallet Balance | *861# → Balance |
| Send Money | *861# → Transfers |
| Buy Airtime for Self | *861*Amount# |
| Buy Airtime for Others | *861*Amount*Phone Number# |
| Pay Bills | *861# → Pay Bills |
| Data Purchase | *861# → Buy Data |
| Account Help / Security | *861# → Support |
Always dial from your registered SIM. Keep your USSD PIN private, it’s the only thing standing between your wallet and someone else.
About PalmPay
PalmPay is one of Nigeria’s fastest-growing fintech platforms, handling instant transfers, airtime and data purchases, bill payments, and cashback rewards for millions of individuals and small businesses across the country.
The mobile app is great but the *861# USSD service is what keeps users transacting when the app isn’t available.
Think of it as PalmPay’s offline mode: reliable, fast, and always accessible.
This guide covers every PalmPay USSD code available in 2026, how to activate USSD banking, transaction charges, common errors, security tips, and how to use it without the app.
What Is PalmPay USSD?
PalmPay USSD is a mobile payment service that lets you carry out financial transactions by dialling short codes on your phone with no mobile data required.
It’s the right tool when:
- Your internet is slow or completely off
- Need to make an urgent transfer
- You want to buy airtime or data in seconds
- The PalmPay app isn’t loading
- You’re using a basic feature phone.
USSD is fast, secure, and available on all Nigerian SIM cards. USSD is PalmPay’s most accessible payment channel.
Main PalmPay USSD Code in Nigeria (2026)
The official PalmPay USSD code is *861#.
Once dialled, the USSD menu gives you access to transfers, airtime and data purchases, bill payments, balance checks, and account support.
You can also use the shortcut codes below to skip the menu entirely:
- *861# — Main USSD menu
- *861*Amount# — Buy airtime for yourself
- *861*Amount*Phone Number# — Buy airtime for others
- *861# → Transfers — Send money
- *861# → Pay Bills — Utility payments
- *861# → Balance — Check wallet balance.
How to Activate PalmPay USSD Banking
Before using any PalmPay USSD code, make sure you’ve covered these basics:
- Have an active PalmPay account
- Dial from the phone number linked to your PalmPay wallet
- Make sure you have a good network signal
- Dial *861#
- Set up or confirm your 4-digit USSD PIN when prompted.
Once that’s done, you’re fully activated. No internet needed from that point on.
Full Breakdown of PalmPay USSD Codes And Uses
1. PalmPay USSD Code for Transfers
To send money via USSD:
- Dial *861#
- Select Transfers
- Choose PalmPay wallet or bank transfer
- Enter the amount and recipient details
- Confirm with your PIN.
Works with all major Nigerian banks such as Access, GTBank, Zenith, First Bank, UBA, FCMB, Fidelity, and more. Transfers are instant.
2. PalmPay USSD Code for Airtime
For yourself: dial *861*Amount#
Example: *861*300# recharges ₦300 on your line instantly.
For someone else: dial *861*Amount*Phone Number#
Example: *861*500*08012345678# sends ₦500 airtime to that number.
3. PalmPay USSD Code for Wallet Balance
To check your balance:
- Dial *861#
- Select Balance
- Enter your PIN if prompted.
Your current wallet balance shows up on-screen immediately.
4. PalmPay USSD Code for Bill Payments
Dial *861# and select Pay Bills to handle:
- Electricity — EKEDC, IKEDC, AEDC, PHEDC, and other DISCOs
- Cable TV — DSTV, GOtv, Startimes
- Mobile data bundles and internet subscriptions.
Follow the on-screen prompts to select your biller and complete the payment.
5. PalmPay USSD Code to Secure Your Account
Phone lost or compromised? Act fast:
- Dial *861#
- Select Support / Security
- Follow the instructions to lock or restrict your account.
You can also call PalmPay customer support directly to freeze the account immediately.
Why PalmPay USSD Is Widely Used in Nigeria
It’s not just about having a backup. PalmPay USSD is genuinely fast and practical for everyday use.
Here’s why millions of users rely on it:
- Works without internet — perfect for data-light moments
- Available on any phone, including basic non-smartphones
- Supported on MTN, Airtel, Glo, and 9mobile
- PIN-protected — every transaction requires verification
- Available 24/7 — no downtime, no maintenance windows.
How to Set or Reset Your PalmPay USSD PIN
First-Time PIN Setup
- Dial *861#
- Select Create PIN
- Enter a 4-digit PIN of your choice
- Confirm when prompted.
Reset a Forgotten PIN
- Dial *861#
- Select Forgot PIN
- Verify your identity using your account details
- Create and confirm your new PIN.
Remember to keep your PIN private always.
PalmPay USSD Transaction Charges
- Dialling *861#: Free
- Network session fee: ₦6–₦7 per USSD session, charged by your mobile network not PalmPay
- PalmPay wallet transfers: Often free between PalmPay users
- Bank transfers: Small fees may apply depending on transaction type
- Airtime and bill payments: No extra PalmPay charges.
Common PalmPay USSD Errors and How to Fix Them
| Error | Cause | Fix |
|---|---|---|
| USSD Not Working | Wrong SIM or poor network signal | Use registered SIM; move to a better signal area |
| Incorrect PIN | Wrong PIN entered | Re-enter carefully; reset via *861# if forgotten |
| Insufficient Balance | Wallet balance too low | Fund your PalmPay wallet first |
| Session Timeout | Inactive during USSD session | Redial *861# and start again |
| Transaction Failed | Wrong details or network congestion | Double-check recipient info and retry |
| Account Restricted | Multiple failed PIN attempts | Contact PalmPay support to reactivate |
How to Use PalmPay Without the App
Don’t have the app installed? No problem. As long as your account is active and your SIM is registered, *861# gives you full access to:
- Wallet balance checks
- Money transfers to PalmPay users and bank accounts
- Airtime and data purchases
- Utility bill payments
- Account security.
USSD is the backup that actually works. Reliable on any phone, any network, any signal.
Is PalmPay USSD Safe?
- Yes. PalmPay USSD is secured with a 4-digit PIN on every transaction, SIM-based authentication, and built-in account security controls.
- You can only initiate transactions from your registered SIM, which adds another layer of protection.
A few rules to live by:
- Never dial USSD codes on someone else’s phone
- Never share your PIN
- If your phone is lost, dial *861# → Support immediately to restrict your account
- Change your PIN from time to time — especially if you think someone may have seen it.
Benefits of PalmPay USSD
- Works fully offline
- Compatible with every phone, including basic feature phones
- No app login needed
- Available round the clock, every day
- Covers all essential wallet functions from one master code.
Limitations of PalmPay USSD
- Cashback tracking and some advanced features are app-only
- Your mobile network may charge ₦6–₦7 per session
- Sessions can time out during peak network hours — just redial to resume
- No transaction history view.
Frequently Asked Questions About PalmPay USSD
1. What is the main PalmPay USSD code?
*861#.
2. Why is my PalmPay USSD not working?
Usually one of three things: wrong SIM, weak network signal, or a temporary service outage.
3. How do I check my PalmPay balance without the app?
Dial *861# and select Balance.
4. Can I send money via PalmPay without the app?
YES! Dial *861#, select Transfers, and follow the menu.
5. Does PalmPay USSD work on all networks?
YES! MTN, Airtel, Glo, and 9mobile are all supported.
6. Is PalmPay USSD free?
Dialing *861# is free. Your mobile network may add a session charge of ₦6–₦7. PalmPay itself doesn’t charge for dialing.
Conclusion
PalmPay USSD makes offline payments and wallet management straightforward for any Nigerian regardless of phone type, network, or data availability.
*861# is all you need to remember. From there, transfers, airtime, bills, and balance checks are a few keystrokes away.
Whether you’re dealing with a dead data connection, a crashing app, or just prefer the no-fuss speed of USSD, PalmPay’s offline service holds up.
It’s not a last resort for many people, it’s the first choice.
Enjoy!
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