PalmPay is a fast-growing mobile payment platform in Nigeria, offering convenient financial services through its app and USSD code system. While many are familiar with the PalmPay mobile app, the PalmPay USSD code: *861# provides users an option to perform various transactions without internet access.
This is particularly beneficial in areas with poor internet connectivity or for users who prefer not to rely on a smartphone app.
As part of its 5th anniversary celebrations, PalmPay introduced the *861# USSD code to enhance financial accessibility for Nigerians.
This addition aligns with PalmPay’s commitment to providing a wider range of financial services, allowing users to perform various transactions without the need for an internet connection.
This guide will give you an in-depth look at how to use PalmPay’s *861# USSD code, detailing the various functions and benefits. We’ll also provide a complete list of correct USSD codes, so you can start using PalmPay more effectively for all your financial needs.
What is the PalmPay USSD Code?
The PalmPay USSD code is a shortcode that allows registered users to access their PalmPay account and perform transactions such as sending money, buying airtime, and paying bills.
The code *861# works on all major networks in Nigeria, MTN, Airtel, Glo, and 9mobile. It enables transactions anytime, anywhere, making it a go-to option for quick and hassle-free financial services.
How to Get Started with PalmPay USSD Code
To use the PalmPay *861# USSD code, you must first set up a 6-digit password. This can be done using the PalmPay mobile app or directly via the *861# USSD code.
For USSD registration, your BVN or NIN is required, and it must match the exact number used while registering via the app.
Steps for First-Time Users:
- Dial the USSD code *861#.
- Follow the prompts to enter your BVN or NIN.
- Set up a 6-digit password to secure your transactions.
- Once registration is complete, you can start using the PalmPay USSD services.
Note: Only users who have registered on the PalmPay mobile app can access the full range of USSD services. Make sure you complete your registration via the app first if you haven’t done so already.
List of PalmPay USSD Codes and Their Functions
PalmPay offers a variety of USSD codes to cater to different needs. Here’s a detailed list of the codes and their specific functions:
- Top up Airtime for Self:
- Dial *861*2*Amount#.
- Top up Airtime for Others:
- Dial *861*2*Amount*10-digit Phone Number#.
- Buy Data Bundle:
- Dial *861*3#.
- Transfer Money:
- Dial *861*1#.
- Fund Betting Accounts:
- Dial *861*4#.
- Check Account Balance:
- Dial *861*5#.
- Transaction History:
- Dial *861*6#.
- Query Orders by Order Number:
- Dial *861*6*5#.
- Password Setting or Reset:
- Dial *861*11#.
Detailed Guide on Using PalmPay USSD Code for Various Transactions
1. How to Top Up Airtime for Yourself
To recharge your own phone number, dial *861*2*Amount#. For example, to recharge ₦500, you would dial:
*861*2*500#
Follow the on-screen prompts and confirm the transaction with your PalmPay PIN. Works for Airtel, MTN, GLO, 9mobile, and Smile.
2. How to Top Up Airtime for Others
To buy airtime for someone else, dial *861*2*Amount*10-digit Phone Number#. For example, to buy ₦200 airtime for a friend with the number 08012345678, dial:
*861*2*200*08012345678#
3. Buying Data Bundle
To purchase a data bundle, dial *861*3#. Select your network provider and follow the prompts to choose a data plan that suits your needs.
4. Transferring Money
To send money to another PalmPay user or any Nigerian bank account, dial *861*1#. You will be asked to enter the recipient’s phone number or bank account number, the amount to transfer, and your PIN to confirm the transaction.
5. Funding Betting Accounts
PalmPay also supports quick funding of betting accounts like Bet9ja. To fund a betting account, dial *861*4# and select the betting service. Enter the amount and confirm with your PIN.
6. Checking Account Balance
To know how much is left in your PalmPay wallet, dial *861*5#. You will be prompted to enter your PIN, and your balance will be displayed.
7. Viewing Transaction History
To check your recent transactions, dial *861*6#. You can view details of your last few transactions, including date and amount.
8. Querying Orders by Order Number
If you want to check the status of a specific order, dial *861*6*5# and enter the order number.
9. Setting or Resetting Your PalmPay Password
If you want to set or reset your USSD password, dial *861*11#. Follow the prompts to create or update your 6-digit PIN.
Benefits of Using the PalmPay USSD Code *861#
- Easy to Use: No need to navigate through an app. Just dial the code and follow the prompts.
- No Internet Needed: The USSD code works offline, making it ideal for areas with low or no internet connectivity.
- Secure Transactions: With a 6-digit PIN, your transactions are protected.
- Fast and Convenient: Quick access to all PalmPay services without opening the app.
- 24/7 Availability: Perform transactions anytime, anywhere.
Frequently Asked Questions (FAQs) About PalmPay USSD Code *861#
Q: Can I use the PalmPay USSD code without a smartphone?
A: Yes, the PalmPay USSD code works on any mobile phone. No smartphone is required.
Q: Do I need an internet connection to use the PalmPay USSD code?
A: No, you do not need an internet connection. The code works offline.
Q: Can I use the USSD code on any mobile network in Nigeria?
A: Yes, the PalmPay USSD code works across MTN, Airtel, Glo, and 9mobile networks.
Q: What do I do if I forget my USSD PIN?
A: If you forget your PIN, dial *861*11# to reset it.
Q: What is the maximum amount I can transfer using PalmPay USSD?
A: The maximum amount depends on your account type and verification status. Check with PalmPay customer support for details.
Final Tips for Using PalmPay USSD Code Effectively
- Always double-check your recipient’s phone number or bank account number before confirming transactions.
- Keep your PIN confidential and do not share it with anyone.
- Regularly check your account balance and transaction history to ensure everything is in order.
Using PalmPay’s *861# USSD code is a great way to enjoy seamless financial services without needing a smartphone or internet connection. If you’re topping up airtime, sending money, or paying bills, the PalmPay USSD code is designed to make life easier.
