PalmPay USSD Code 2025: Full List of PalmPay Shortcodes for Transfers, Airtime, Data and More: Learn everything about the PalmPay USSD Code *861#. See how to transfer money, buy airtime, buy data, check balance, view transactions, fund betting wallets, reset PIN and block your ATM card using PalmPay USSD codes.
If you love using PalmPay but prefer simple banking without the mobile app, the PalmPay USSD code is your best friend. PalmPay has made it possible to send money, buy airtime, buy data, check your balance and even secure your account using fast USSD commands that don’t need internet.
This guide breaks everything down in a clear and simple way so anyone can use PalmPay USSD codes confidently. Whether you are a new PalmPay user or you already use the wallet and just want faster shortcuts, this article covers it all.
You’ll find every PalmPay USSD function, how each one works, and how to choose the fastest option anytime.
Let’s get into it.
What Is the PalmPay USSD Code?
The official PalmPay USSD code is *861#.
This shortcode works on MTN, Airtel, Glo and 9mobile. It gives you access to PalmPay services even when you don’t have data or the app installed. As long as your PalmPay account is linked to your phone number, you’re good to go.
PalmPay USSD banking is helpful for:
Low or no internet connection
Quick transactions
Situations where the mobile app is down
People using feature phones
Emergencies like card blocking
With the *861# menu, you can do almost everything the app allows.
PalmPay USSD Code List (All You Need in One Place)
Here is a quick list of the most important PalmPay USSD codes you’ll use every day:
Main PalmPay USSD Menu: *861#
Transfer Money (Menu): *861#, then select “Transfer”
Direct Transfer: *861*1#
Buy Airtime for Yourself: *861*2*Amount#
Buy Airtime for Others: *861*2Amount*PhoneNumber#
Buy Data:8613#
Fund Betting Wallets: *861*4#
Check PalmPay Account Balance: *861*5#
View Your Transaction History: *861*6#
Block Your PalmPay ATM Card: *861*7#
Reset PalmPay PIN: *861*11#
Now let’s go deeper into each function and how to use them.
1. PalmPay USSD Code for Money Transfers
Sending money is one of the most common reasons people use USSD. PalmPay makes it simple with two options.
Option 1: Use the main USSD menu
Dial *861#
Choose Transfer
Select the receiving bank
Enter the account number
Enter the amount
Confirm with your USSD PIN
Option 2: Use the quick transfer code
You can dial:
*861*1#
This takes you directly to the transfer section without opening the full menu.
This shortcut is perfect when you need to send money quickly.
2. PalmPay USSD Code for Buying Airtime
PalmPay USSD airtime recharge is fast and works for both you and others. It is one of the easiest tasks you can do through the USSD code.
To buy airtime for yourself
Dial:
*861*2*Amount#
Example: To recharge 500 airtime on your own number, dial *861*2*500#
To buy airtime for someone else
Dial:
*861*2*Amount*PhoneNumber#
Example: To send 300 airtime to 08034567890, dial *861*2*300*08034567890#
That’s it. No internet needed.
3. PalmPay USSD Code for Buying Data
You can also buy data bundles using PalmPay USSD. This is handy when your data finishes unexpectedly.
To buy data, dial:
*861*3#
You will see your network options, bundle choices and confirmation steps.
4. PalmPay USSD Code for Checking Your Account Balance
If you want to know how much you have left in your PalmPay account, simply dial:
*861*5#
Your balance will be shown instantly.
This is one of the fastest ways to monitor your spending without opening the app.
5. PalmPay USSD Code to View Your Transactions
Keeping track of your past transactions is important for budgeting and financial records. With PalmPay USSD, you can quickly scan your recent activity.
Just dial:
*861*6#
You’ll see a list of your latest transactions including transfers, payments and airtime purchases.
6. PalmPay USSD Code to Fund Betting Accounts
If you bet online and want to fund your wallet directly from your PalmPay account, PalmPay has a simple USSD shortcut.
Dial:
*861*4#
Then choose the betting platform you want to fund. Supported platforms may include Bet9ja, SportyBet, BetKing and others depending on availability.
It’s quick, safe and works without data.
7. PalmPay USSD Code to Block Your ATM Card
If you lose your PalmPay card or suspect any form of fraud, your first step should be to block the card immediately.
Dial:
*861*7#
This will block your PalmPay ATM card instantly to prevent unauthorized transactions.
It’s a life-saving feature during emergencies.
8. PalmPay USSD Code to Reset Your PIN
Forgot your PalmPay PIN? No problem. You can reset it using USSD.
Dial:
*861*11#
Follow the prompts to set a new secure PIN.
This ensures that you don’t get locked out of your account for long.
Why PalmPay USSD Banking Is So Useful
Many PalmPay users love the USSD feature because it comes with several benefits that make day-to-day transactions easy and stress-free.
1. Works without Internet
USSD banking solves the biggest problem many Nigerians face: poor internet connection. Transactions go through even with no data.
2. Faster than opening the app
For quick actions like recharging airtime or checking balance, *861# is often faster than loading the mobile app.
3. Perfect for feature phones
PalmPay USSD banking isn’t limited to smartphones. Any phone that can dial numbers can use it.
4. Useful during emergencies
You can block your ATM card instantly if it gets lost or stolen.
5. Lower risk of app-based errors
USSD tends to work consistently even when the app is lagging or undergoing maintenance.
Step-by-Step: How to Register for PalmPay USSD Banking
If you are new to PalmPay or are not sure whether USSD banking is active on your account, here’s how to confirm:
Make sure the phone number linked to your PalmPay account is inserted in your device.
Dial *861#.
If you see the PalmPay menu, you are already enabled for USSD.
If prompted for a PIN setup, follow the instructions.
Complete any verification if requested.
Once set up, you can start using all the features immediately.
Troubleshooting: Why PalmPay USSD Code May Not Work
Sometimes USSD banking may fail due to issues outside PalmPay. Here are common causes and how to fix them.
1. Wrong SIM card
USSD will only work on the phone number linked to your PalmPay account.
2. Network problems
If your mobile network is weak, the USSD request may fail. Wait a few minutes and try again.
3. Insufficient airtime
Some networks require a small amount of airtime to complete USSD requests.
4. Temporary system downtime
PalmPay or your network provider may have temporary issues. If this happens, try again later.
5. Outdated PalmPay profile
Make sure your account details match your phone number and ID information.
Is PalmPay USSD Safe?
Yes, PalmPay USSD transactions are secure. Every USSD command requires your secret PIN before any money moves. As long as you don’t share your PIN with anyone, your account is safe.
For extra safety tips:
Never tell anyone your PalmPay PIN
Avoid using USSD on borrowed or public phones
Block your card immediately if something feels off
Update your PalmPay app regularly for full security features
Security has become essential in Nigeria’s digital banking space, and PalmPay has built enough safeguards into the USSD system to protect users.
Who Can Use PalmPay USSD Banking?
Anyone with:
A registered PalmPay account
A mobile phone (smartphone or button phone)
A SIM card linked to their PalmPay account
It doesn’t matter if your phone is old or modern. As long as it can dial codes, you can use *861#.
PalmPay USSD vs. PalmPay App: Which Should You Use?
Both options have their strengths.
Use the PalmPay App when you want:
Detailed transaction history
More services like savings or loans
Faster customer support access
A smoother visual experience
Use PalmPay USSD when you want:
Quick transactions
To operate without internet
Emergency card blocking
Simple access on feature phones
Most PalmPay users switch between both depending on their situation.
Frequently Asked Questions (FAQ)
1. What is the main PalmPay USSD code?
The official PalmPay USSD code is *861#.
2. Does PalmPay USSD work on all networks?
Yes, it works on MTN, Airtel, Glo and 9mobile.
3. Can I use PalmPay USSD on a phone without data?
Yes. USSD works completely without internet.
4. What is PalmPay USSD code for transfer?
Use the main menu 861# or the shortcut ***8611#**.
5. How do I buy airtime on PalmPay USSD?
Dial *8612Amount# for yourself or *8612Amount*PhoneNumber# for others.
PalmPay USSD code banking is one of the easiest and fastest ways to manage your money in Nigeria today. With the main shortcode *861#, you can send money, buy data, recharge airtime, check your balance, fund betting wallets, reset your PIN, and lock your card whenever necessary.
It works without internet, supports all major networks and makes everyday transactions simple. Whether you’re dealing with poor network, app issues or you just prefer a clean and fast option, PalmPay USSD banking has you covered.
If you want a smooth mobile banking experience that works anywhere and anytime, learning the PalmPay USSD codes is a smart move.
