How to Open Palmpay Account With USSD Code

Getting Started with PalmPay: Opening an Account and Using USSD

PalmPay is rapidly becoming one of the most popular mobile money platforms in Nigeria. With over 5 million users, PalmPay aims to promote financial inclusion by offering accessible, affordable and convenient payment solutions through mobile devices.

how to open palmpay account with ussd code


Kuda USSD Code

How to Open a PalmPay Account: A Step-by-Step Guide

How Do I Borrow Money From Palmpay

How To Borrow Money From Palmpay Without BVN

PalmPay Account Registration

To start using PalmPay’s services, the first step is downloading the PalmPay app and registering for an account.

How to Register a PalmPay Account

Follow these simple steps to register:

  1. Download App: Install the PalmPay app from Google Play Store or Apple App Store onto your smartphone.
  2. Enter Phone Number: Open the app and enter your phone number on the signup page.
  3. Input Referral Code (Optional): Existing users can share referral codes you can enter which unlocks benefits.
  4. Verify Phone Number: You will receive an OTP to verify ownership of the entered mobile number.
  5. Set Security PIN: Create a 6-digit security PIN to authorize transactions.
  6. Submit KYC Details: PalmPay mandates submitting ID documents, selfie, address proof for KYC verification.

Once your details are verified, your PalmPay account will be opened and ready for transactions within 24 hours.

PalmPay Account Registration Benefits

Registering for a PalmPay account enables:

  • Financial services access: Send, receive, withdraw money; pay bills; buy airtime; apply for loans.
  • Secure app wallet: Safely store funds, manage finances through the PalmPay mobile app.
  • Interest earnings: Money in your PalmPay wallet earns up to 5% annual interest.
  • Zero balance accounts: Zero minimum balance needed to open PalmPay accounts.

With financial services packed into a secure, user-friendly app, PalmPay promotes cashless transactions and financial inclusion for Nigerians.

PalmPay Services

PalmPay offers diverse mobile money solutions for the unbanked and underbanked population.

Money Transfers

Conveniently send and receive money from anyone instantly via your phone contacts or using account details.


  • Instant bank transfers
  • Free transfers to PalmPay users
  • Low 1% fees for bank transfers
  • High transfer limits up to ₦200,000 daily

Airtime and Data Purchase

Quickly recharge call balance and mobile data for yourself or others right through the app.


  • 500+ mobile operator integrations
  • Bulk purchase capability
  • Gift airtime vouchers
  • Schedule future recharges

Bill Payments

Pay your utility bills like electricity, cable TV, internet etc. automatically or on request.


  • 1000+ biller integrations
  • Recurring payment option
  • Due date reminders
  • Instant payment receipts

PalmPay Loans

PalmCredit offers quick, collateral-free loans up to ₦250,000 repayable over 6 months.


  • Quick loan decision
  • Competitive interest rates
  • Flexible repayment
  • Completely online process

Target Savings

PalmSave allows you to save for specific goals while earning attractive interest.


  • Fixed target amount
  • Flexible duration
  • Up to 10% interest rate
  • Automated deposits

With this well-rounded suite of financial services, PalmPay offers convenience and flexibility for managing your money.

Using PalmPay Without the App via USSD

While downloading the PalmPay app enables full access to services, you can also use PalmPay via USSD codes without installing the app.

How to Use PalmPay USSD

To access basic PalmPay services via USSD, dial *652# and follow the prompts to:

  • Check account balance
  • Fund your wallet
  • Buy airtime
  • Purchase data plans

USSD transactions involve entering your registered PalmPay phone number and authorizing payments by inputting your transaction PIN.

PalmPay USSD Code Services

Here are the financial services you can currently access via the *652# USSD code:

Balance Enquiry

  • Check PalmPay account balance
  • Mini statement with last 5 transactions

Cash Deposit

  • Instantly fund your PalmPay wallet from bank account
  • Deposit range ₦100 – ₦100,000 per transaction

Airtime Purchase

  • Buy airtime for self or others
  • 500+ mobile carrier integrations
  • Bulk airtime discount

Data Purchase

  • Purchase data plans from major networks
  • Bundled data offers
  • Renew existing data plans

USSD enables conveniently accessing core PalmPay features without smartphones or apps.

However, USSD does not allow:

  • Creating new PalmPay accounts
  • Adding bank accounts
  • Money transfers
  • Bill payments
  • Loan applications

For the complete PalmPay experience including the above services, downloading the PalmPay app is mandatory.

Pros and Cons of PalmPay App vs USSD

FeaturePalmPay AppPalmPay USSD
Account opening✅ Yes❌ No
Services rangeFull suiteLimited
Transfers✅ Yes❌ No
Loans & savings✅ Yes❌ No
Bills payment✅ Yes❌ No
Ease of useUser-friendly appText-based menus
SecurityApp PIN/fingerprintUSSD PIN
RecordsTransaction historyLast 5 transactions

The PalmPay app unlocks complete functionalities and money management features compared to USSD access. But USSD serves basic payment needs for non-smartphone users.

Getting Support as a PalmPay User

PalmPay prioritizes customer support through various channels:

In-App Chat

  • Fastest way to get assistance
  • Chatbot answers basic queries
  • Live agents for complex issues


  • Call 08139811111
  • Available 8am – 8pm daily


Social Media

  • Facebook, Instagram, Twitter
  • Public community support


Extensive knowledge base to learn about PalmPay services.

With multiple mediums and availability, PalmPay users have flexible options to get support.


PalmPay enables affordable, convenient access to financial services through mobile devices – especially benefiting the unbanked population. While the PalmPay app unlocks the complete suite of offerings, even non-smartphone users can benefit from basic payments via USSD.

As PalmPay continues enhancing digital paymentsadoption in Nigeria, users have full-fledged support channels to resolve any issues.

So download the app or dial the USSD to experience secure, seamless financial transactions on PalmPay!


Leave a Reply