The PalmPay USSD code in Nigeria allows eligible customers to access selected financial services without an internet connection. This can be useful when you cannot open the PalmPay app, have run out of mobile data, or need to perform a transaction using a basic mobile phone.
PalmPay users can access supported services such as money transfers, airtime purchases and other account functions through USSD, subject to service availability.
In this guide, you will learn how to use the PalmPay USSD code in 2026, the services available, and what to do if the code is not working.
What Is the PalmPay USSD Code in Nigeria?
The PalmPay USSD code commonly associated with its Nigerian banking services is *861#.
However, USSD availability and supported transaction codes can change. Before relying on a particular shortcut, confirm the current code through PalmPay’s official communication channels or customer support.
List of PalmPay USSD Codes in Nigeria (2026)
PalmPay’s available USSD functions may vary, so the following table distinguishes the commonly cited main code from transaction shortcuts that should be verified.
| Service | USSD Code |
|---|---|
| Main PalmPay USSD menu | *861# (verify current availability) |
| Transfer money | Check the available menu |
| Check account balance | Check the available menu |
| Buy airtime | Check the available menu |
| Buy data | Check the available menu |
| Block or secure your account | Contact official PalmPay support |
Important: Do not assume that every code published online works for PalmPay. If *861# does not open a PalmPay menu, use the official PalmPay app or customer support to confirm whether USSD banking is currently available for your account.
How to Transfer Money Using PalmPay USSD
If PalmPay USSD banking is available on your line, follow these general steps:
- Open your phone’s dialler.
- Dial the verified PalmPay USSD code using your registered phone number.
- Select the money transfer option if it appears.
- Enter the recipient’s account details and select the bank, where required.
- Confirm the recipient’s name and the amount.
- Authorise the transaction using the required security method.
Always verify the recipient’s details before confirming a transfer. If no PalmPay menu appears, use the PalmPay app instead.
How to Check Your PalmPay Account Balance
To check your PalmPay balance through USSD, you must first confirm that the service is supported on your line.
If a verified PalmPay menu is available:
- Dial the official USSD code.
- Select the balance enquiry option.
- Complete any required verification.
- View the balance displayed or sent to you.
Alternatively, open the PalmPay app and check your available balance on the home screen.
How to Buy Airtime and Data on PalmPay
PalmPay supports airtime and data purchases through its app. USSD availability for these services should be confirmed before using a code.
To buy airtime or data through the app:
- Open PalmPay and sign in.
- Select Airtime or Data.
- Enter the phone number you want to recharge.
- Choose the mobile network and amount or data plan.
- Review the details and confirm the payment.
Check the phone number carefully before completing the transaction.
Why Is My PalmPay USSD Code Not Working?
If the code does not work, possible reasons include:
- Incorrect code: The code may be outdated or not supported by PalmPay.
- Network problems: Poor signal or network congestion may prevent the USSD session from opening.
- Unsupported service: USSD banking may not be available for your account or mobile network.
- Wrong phone number: You may be dialling from a number that is not linked to your PalmPay account.
Try again when your network is stable. If the problem persists, contact PalmPay through its official app or website.
Frequently Asked Questions
What is the PalmPay USSD code in Nigeria?
The code *861# is commonly cited online, but you should verify its current availability with PalmPay before using it for banking transactions.
Can I use PalmPay without internet?
You can use PalmPay’s app-based services when you have an internet connection. USSD access depends on whether PalmPay currently supports the service on your line.
Can I transfer money from PalmPay without the app?
If an official PalmPay USSD transfer service is available to you, you may be able to transfer money through its menu. Otherwise, use the PalmPay app.
How do I contact PalmPay if the code fails?
Use the customer support option in the official PalmPay app or visit PalmPay’s official website to find current support channels.
Conclusion
PalmPay provides digital financial services in Nigeria, including money transfers, airtime purchases and data purchases. However, customers should verify the availability of USSD banking before relying on a specific code.
If you cannot access PalmPay through USSD, the official app is an alternative for managing your account and completing supported transactions.
