PalmPay USSD Codes in Nigeria (2026)
PalmPay has become one of Nigeria’s most popular fintech platforms, allowing users to send money, buy airtime, purchase data, pay bills, and manage their finances easily. While most people use the PalmPay app, the company also provides USSD banking services that work without an internet connection. This means you can carry out important transactions from any mobile phone, including basic feature phones. In this guide, you’ll find the latest PalmPay USSD codes in Nigeria for 2026, including codes for transfers, airtime purchases, balance checks, data subscriptions, and other mobile banking services.
In Summary; The official PalmPay USSD code in Nigeria, 861#, allows you to perform secure banking transactions without an internet connection or smartphone. By dialing *861# from the phone number linked to your PalmPay account, you can transfer money, check your balance, buy airtime, pay bills, and access other banking services directly from your mobile phone
What Is the PalmPay USSD Code?
The official PalmPay USSD code is *861#.
This code gives PalmPay customers access to various banking services without requiring mobile data or Wi-Fi. By dialing *861# from the phone number linked to your PalmPay account, you can transfer money, buy airtime, purchase data, check your balance, and perform other financial transactions.
PalmPay introduced the *861# service to improve financial accessibility, especially for users who may not have access to smartphones or stable internet connections.
PalmPay USSD Codes and Their Functions
Below are some of the most commonly used PalmPay USSD codes in 2026.
| Service | USSD Code |
|---|---|
| PalmPay Main Menu | *861# |
| Transfer Money | 8611# |
| Buy Airtime for Self | 8612*Amount# |
| Buy Airtime for Others | 8612AmountPhoneNumber# |
| Buy Data | 8613# |
| Check Balance | 8615# |
| Pay Bills | 8616# |
| Card Services | 8617# |
| Transaction History | 86111# |
These codes may occasionally change as PalmPay updates its services, but *861# remains the primary access code.
How to Activate PalmPay USSD Banking
Before using PalmPay USSD banking, you need to activate the service.
Requirements
- An active PalmPay account.
- A registered phone number linked to your PalmPay wallet.
- A transaction PIN.
- Sufficient network coverage.
Activation Steps
- Open the PalmPay app.
- Navigate to Settings.
- Locate the USSD Banking option.
- Activate USSD access.
- Create or confirm your USSD PIN.
- Dial *861# and follow the prompts.
After activation, you can perform transactions without internet access.
PalmPay USSD Code for Money Transfers
One of the most popular PalmPay services is money transfer.
How to Transfer Money
- Dial *861#.
- Select Transfer.
- Choose whether you want to transfer to a PalmPay account or another bank.
- Enter the recipient’s details.
- Enter the amount.
- Confirm using your PIN.
The transaction is usually completed within seconds. PalmPay supports transfers to most Nigerian banks, making it convenient for everyday banking.
PalmPay USSD Code for Airtime Purchase
PalmPay allows you to recharge your line or send airtime to others directly through USSD.
Buy Airtime for Yourself
Dial:
*861*2*Amount#
Example:
*861*2*500#
This purchases ₦500 airtime for your phone number.
Buy Airtime for Another Number
Dial:
*861*2*Amount*PhoneNumber#
Example:
*861*2*1000*08012345678#
The airtime will be sent directly to the specified number.
PalmPay USSD Code for Data Subscription
PalmPay also supports data purchases through USSD banking.
How to Buy Data
- Dial 8613#.
- Select your preferred network.
- Choose a data plan.
- Enter the phone number.
- Confirm the purchase using your PIN.
The selected data bundle is activated immediately after successful payment.
PalmPay USSD Code for Balance Check
Checking your PalmPay balance is straightforward.
Steps to Check Your Balance
- Dial 8615#.
- Enter your transaction PIN.
- Your wallet balance will appear on your screen.
This feature helps users monitor their available funds before carrying out transactions.
PalmPay USSD Code for Bill Payments
PalmPay USSD banking allows users to pay bills without opening the app.
Supported Bill Payments
- Electricity bills.
- Cable TV subscriptions.
- Internet services.
- Utility payments.
How to Pay Bills
- Dial 8616#.
- Select the bill category.
- Enter the required details.
- Confirm payment using your PIN.
The service is especially useful during network outages or when internet access is unavailable.
Benefits of Using PalmPay USSD Banking
Many Nigerians prefer PalmPay USSD because it offers several advantages.
No Internet Required
Transactions can be completed without mobile data or Wi-Fi.
Works on Any Phone
Whether you use a smartphone or a feature phone, PalmPay USSD banking remains accessible.
Fast Transactions
Transfers, airtime purchases, and balance checks are completed within seconds.
Enhanced Accessibility
USSD banking makes financial services available even in areas with poor internet connectivity.
Common PalmPay USSD Problems and Solutions
Sometimes users may encounter issues when using PalmPay USSD.
USSD Code Not Working
Ensure you are dialing from the phone number linked to your PalmPay account. Also confirm that your network signal is strong.
Transfer Failed
Check your account balance and verify the recipient’s details before retrying the transaction.
PIN Issues
If you forget your PIN, you may need to reset it through the PalmPay app before continuing with USSD transactions.
Network Delays
USSD services rely on mobile networks. Temporary network issues may delay transactions, so try again after a few minutes.
Security Tips for PalmPay USSD Users
To keep your account safe:
- Never share your transaction PIN.
- Confirm recipient details before transfers.
- Keep your phone secure.
- Report suspicious activity immediately.
- Regularly monitor your transaction history.
PalmPay includes PIN authentication on USSD transactions to improve security and reduce unauthorized access.
Frequently Asked Questions
What is the PalmPay USSD code in Nigeria?
The official PalmPay USSD code is *861#. It allows users to access transfers, airtime purchases, balance checks, bill payments, and other services without internet access.
Can I transfer money using PalmPay USSD?
Yes. Dial *861# and select the transfer option to send money to PalmPay users or other Nigerian bank accounts.
How do I check my PalmPay balance?
Dial 8615# and enter your transaction PIN to view your wallet balance.
Can I buy airtime with PalmPay USSD?
Yes. Dial 8612Amount# for yourself or 8612Amount*PhoneNumber# for another user.
Does PalmPay USSD require internet access?
No. PalmPay USSD banking works entirely through your mobile network and does not require internet access.
Conclusion
PalmPay’s USSD banking service provides a convenient way to manage your finances without internet access. By dialing *861#, users can transfer money, buy airtime, purchase data, pay bills, and check their account balances from virtually any mobile phone. As PalmPay continues to expand its services in Nigeria, knowing these USSD codes can help you complete transactions quickly and securely whenever you need them.
