The primary PalmPay USSD code is *861#, which allows users to perform wallet and payment transactions directly from their mobile phones without internet access. By dialing *861#, you can access PalmPay’s USSD menu to send money, buy airtime, check wallet balance, pay bills, and manage your account.
For example, dial *861*Amount# to buy airtime for yourself, or follow the on-screen menu after dialing *861# to transfer money to another PalmPay user or a Nigerian bank account.
PalmPay USSD works on all mobile phones and Nigerian networks, making it a reliable option for offline payments.
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 | 861Amount# |
| Buy Airtime for Others | 861Amount*PhoneNumber# |
| Pay Bills | *861# → Pay Bills |
| Data Purchase | *861# → Buy Data |
| Account Help / Security | *861# → Support |
These codes allow quick management of your PalmPay wallet without internet. Always dial from your registered phone number and keep your PIN secure.
About PalmPay
PalmPay is one of Nigeria’s leading fintech platforms, offering digital wallet services such as instant transfers, airtime and data purchases, bill payments, and cashback rewards. It is widely used by individuals and small businesses for fast and affordable transactions.
While the PalmPay mobile app provides advanced features, *PalmPay USSD (861#) remains a dependable alternative when internet access is unavailable or unstable.
This guide covers all PalmPay USSD codes, how to activate USSD access, transaction charges, common errors, security tips, and everything needed for smooth offline transactions.
What Is PalmPay USSD?
PalmPay USSD is a mobile payment service that allows users to carry out financial transactions by dialing short codes on their phones without using mobile data.
USSD is ideal when you:
- Have slow or no internet connection
- Need urgent transfers
- Want quick airtime or data purchase
- Cannot access the PalmPay app
- Use a basic feature phone
USSD is fast, secure, and works on all Nigerian SIM cards.
Main PalmPay USSD Code in Nigeria (2026)
The official PalmPay USSD code is *861#.
After dialing *861#, you can access PalmPay’s USSD menu for transfers, airtime and data purchases, bill payments, balance checks, and account support.
Most used PalmPay USSD codes:
- *861# — Main USSD menu
- 861Amount# — Buy airtime for yourself
- 861Amount*PhoneNumber# — Buy airtime for others
- *861# → Transfers — Send money
- *861# → Pay Bills — Utility payments
- *861# → Balance — Check wallet balance
How to Activate PalmPay USSD Banking
To use PalmPay USSD:
- Have an active PalmPay account
- Use the phone number linked to your PalmPay wallet
- Ensure good network signal
- Dial *861#
- Set up or confirm your PalmPay USSD PIN when prompted
Once activated, you can carry out PalmPay USSD transactions anytime without internet.
Full Breakdown of PalmPay USSD Codes and Their Uses
1. PalmPay Code for Transfers
To send money:
- Dial *861#
- Select Transfers
- Choose PalmPay wallet or bank transfer
- Enter amount and recipient details
- Confirm with your PIN
Transfers work with all Nigerian banks, including Access, GTBank, Zenith, First Bank, UBA, FCMB, Fidelity, and others.
2. PalmPay Code for Airtime
For Self:
Dial 861Amount#
Example: 861300# to recharge ₦300
For Others:
Dial 861AmountPhoneNumber#
Example: 86150008012345678#
Airtime is credited instantly.
3. PalmPay Code for Wallet Balance
To check your wallet balance:
- Dial *861#
- Select Balance
- Enter your PIN if prompted
Your available wallet balance will be displayed.
4. PalmPay Code for Utility and Bill Payments
Dial *861# and select Pay Bills to pay for:
- Electricity (DISCO/PHCN)
- DSTV, GOTV, Startimes
- Mobile data bundles
- Internet subscriptions
- Other supported services
Follow the prompts to complete payment.
5. Code to Secure PalmPay Account
If your phone is lost or you suspect unauthorized access:
- Dial *861#
- Select Support / Security
- Follow the instructions to secure your account
You can also contact PalmPay customer support immediately to restrict access.
Why PalmPay USSD Is Popular
PalmPay USSD is widely used because it:
- Works without internet
- Is fast and reliable
- Supports MTN, Airtel, Glo, and 9Mobile
- Works on all phones
- Is protected with PIN security
- Is available 24/7
How to Set or Reset Your PalmPay USSD PIN
First-time setup:
- Dial *861#
- Choose Create PIN
- Enter a 4-digit PIN
- Confirm
Reset PIN:
- Dial *861#
- Select Forgot PIN
- Verify your identity
- Set a new PIN
Always keep your PIN private.
PalmPay USSD and Transaction Charges
- Dialing *861# is free
- Network providers may charge ₦6–₦7 per USSD session
- Transfers to PalmPay wallets are often free
- Bank transfer fees may apply depending on transaction type
- Airtime and bill payments usually have no extra fees
Common PalmPay USSD Errors and How to Fix Them
- USSD code not working: Check network or use registered SIM
- Incorrect PIN: Reset PIN via *861#
- Insufficient wallet balance: Fund your PalmPay wallet
- Session timeout: Retry in a stronger network area
- Transaction failed: Confirm details and try again
How to Use PalmPay USSD Without the App
If the PalmPay app is unavailable:
- Dial *861# from your registered number
- You can still:
- Check wallet balance
- Send money
- Buy airtime and data
- Pay bills
- Secure your account
USSD acts as a reliable backup to the PalmPay app.
Is PalmPay USSD Safe?
Yes. PalmPay USSD is secured with:
- 4-digit PIN
- SIM-based authentication
- Account security controls
Safety tips:
- Never share your PIN
- Do not allow strangers use your phone
- Secure your account immediately if phone is lost
- Always use your registered SIM
Benefits of Using PalmPay USSD
- Works offline
- Fast wallet transactions
- No app required
- Works on any phone
- Useful during emergencies
- Ideal for rural and low-data areas
Limitations of PalmPay USSD
- Some advanced features require the app
- Network USSD charges may apply
- Sessions may timeout during peak hours
- Cashback tracking is app-only
Frequently Asked Questions (FAQs)
What is the main PalmPay USSD code?
*861#
Why is my PalmPay USSD not working?
Network issues, wrong SIM, or service downtime
How do I check my PalmPay balance?
Dial *861# and select Balance
Can I send money without the app?
Yes, dial *861# and select Transfers
Does PalmPay USSD work on all networks?
Yes — MTN, Airtel, Glo, and 9Mobile
Is PalmPay USSD free?
Dialing is free; network charges may apply
Conclusion
PalmPay USSD codes make offline payments and wallet management easy in Nigeria. With *861#, you can send money, buy airtime, check balances, pay bills, and manage your PalmPay wallet without internet access.
Whether you’re using a basic phone, facing poor network, or your app isn’t working, PalmPay USSD remains a fast and reliable solution for everyday transactions in Nigeria (2026).
