Nigerian mobile banking users now have comprehensive access to PalmPay's financial services through USSD codes, providing banking convenience without internet connectivity. The fintech platform offers multiple code options for seamless transactions across the country.
Understanding PalmPay USSD Banking Options
PalmPay Limited, a financial service provider licensed and regulated by the Central Bank of Nigeria (CBN), maintains its headquarters at 20 Opebi Rd, Lagos, Nigeria. The company also operates a main office in Accra, Ghana, with additional presence across East Africa including Kenya, Tanzania, and Uganda.
For users seeking to access financial services without using the mobile application, PalmPay provides two primary USSD codes: *652# or *861#, with availability depending on your specific region and network provider in Nigeria.
How to Activate and Use PalmPay USSD Services
Activating your PalmPay USSD service requires your phone number linked to your PalmPay account. The activation process involves dialing either *652# or *861# from your registered mobile device.
New users must complete the registration process by providing their PalmPay account number and date of birth. Existing users can log in directly using their credentials. The system will prompt you to create a secure 4-digit PIN that will be used for all future USSD transactions.
Once activated, you can perform numerous banking operations including money transfers, balance inquiries, airtime purchases, and bill payments through simple menu navigation.
Complete List of PalmPay USSD Codes and Functions
PalmPay offers a comprehensive suite of USSD codes catering to different financial needs:
General USSD Code: *652# or *861#
Money Transfer: Dial *652# or *861#, then select 'Transfer' option
Balance Check: Dial *652# or *861#, then choose 'Check Balance'
Airtime Purchase: Dial *652# or *861#, then select 'Buy Airtime'
Interbank Transfer Options to PalmPay
Customers from other banking institutions can transfer funds directly to PalmPay accounts using specific USSD codes from their respective banks.
GTBank to PalmPay Transfer: Dial *737*22# on your mobile device, select "Trsf – Mobile Money/PSB," enter the amount, input the PalmPay account number, choose PalmPay from the bank list, and complete with your GTBank PIN.
Access Bank to PalmPay Transfer: Dial *901*Amount*Account Number#, select option "2" for transfer, enter the deposit amount, choose "Other financial institutions," select "PalmPay," and confirm with your 4-digit PIN.
Opening a PalmPay Account and Customer Support
To create a PalmPay account, users must download the official application from either the Apple App Store or Google Play Store. The registration process requires providing your full name, valid email address, active phone number, password, and Bank Verification Number (BVN).
For assistance with any difficulties using PalmPay codes, customers can contact support through multiple channels:
Physical Address: 20 Opebi Rd, Opebi, Lagos 101233, Lagos, Nigeria
Phone Support: +234 2018886888
Email Assistance: support@palmpay.com
Social Media: @palmpayapp_ng on Instagram, @palmpay_ng on Twitter, and @palmpayapp.ng on Facebook
Benefits of Using PalmPay USSD Banking
The USSD banking platform offers significant advantages for Nigerian users, particularly those in areas with limited internet connectivity. The service provides 24/7 availability without requiring smartphone applications or data connection.
Transactions processed through USSD codes are secured with PIN protection, ensuring financial safety. The system also proves cost-effective by eliminating data usage charges and enables rapid processing for time-sensitive transactions like airtime purchases and urgent money transfers.
PalmPay continues to expand its financial inclusion mission across Nigeria, providing both banked and unbanked populations with accessible mobile payment services under CBN regulation.
