Palmpay USSD Codes In 2025 | Banking Without Internet

Palmpay is one of the leading online microfinance banks in Nigeria. They offer a range of USSD short codes that make banking easier for its customers.

Whether you need to check your account balance, transfer money or even pay bills, Palmpay’s USSD codes offer a simple, quick, and secure way to manage your finances right from your mobile phone.

How to Register for Palmpay USSD Banking

Before you can use Palmpay’s USSD codes, you need to register for USSD banking. Here’s how to get started:

1. *Dial *861#: This is the main USSD code for Palmpay. Dial it on your registered mobile number.
2. Follow the on-screen prompts: You will be prompted to setup your password using  “Palmpay app”, once you set it up your USSD banking registration is complete and you are now ready to start using the service.

List of Palmpay USSD Codes and Their Functions

Below is a comprehensive list of Palmpay USSD codes and each dial cost a charge of ₦10, what each of them does:

1. Account Balance Inquiry – *861*5#

• To check your account balance, simply dial *861*5# on your mobile phone.
• Then select your account from the drop down, then your account balance and your account number will show.

2. Money Transfer to Palmpay Accounts – *861*1#

Transferring money to another Palmpay account is straightforward. Just dial *861*1#, enter your PIN, and the money will be transferred instantly.

3. Money Transfer to Other Banks – *861*1#

To transfer money to accounts in other banks like Opay, Palmpay etc, dial *861*1#. After entering your PIN, the transaction will be processed, and the recipient will receive the money.

4. Airtime Recharge for Self – *861*2*Amount#

Running out of airtime? You can top up your phone directly from your Palmpay account. Dial *861*2*Amount# (e.g., *861*2*500# for ₦500) to recharge your line.

5. Airtime Recharge for Others – *861*2*Amount*10digitphonenumber#

You can also buy airtime for friends and family by dialing *861*2*Amount*10digitphonenumber#. For example, *861*2*200*08012345678# will recharge ₦200 to the specified phone number.

6. Data Recharge for Self – *861*3#

Running out of data? You can top up your mobile data directly from your Palmpay account. Dial *861*3# to recharge your line.

7. Password Reset – *861*11#

If you forget your PIN or need to reset it for any reason, dial *861*11#. You will be asked to enter some security information before you can set a new PIN.

8. Block ATM Card – *861*7#

If your ATM Card got stolen or you need to block it for any reason, dial *861*7#. You will be asked to enter some security information before you can block it.

9. Transaction History – *861*6#

If you want to also check your transaction history to know how much was credited and debited from your account, you can simply use *861*6#.

10. Fund Betting – *861*4#

You can fund any betting platform like bet9ja, Betking, Sportybet, etc by dialing this USSD code *861*4#, with your registered phone number.

This table provides a quick overview of the key USSD codes and their respective functions, making it easier for you to navigate Palmpay’s mobile banking services.

Benefits of Using Palmpay USSD Codes

1. Convenience: USSD codes allow you to perform banking transactions anytime and anywhere, without the need for internet access.
2. Speed: Transactions are processed instantly, saving you time to look for internet access.
3. Security: every transaction requires your PIN, ensuring that your account remains very  secure.
4. Accessibility: USSD codes work on any mobile phone, regardless of whether it is a smartphone or a basic feature phone for only calls.