PalmPay USSD Codes 2025 — How to Use *861# for Transfers, Airtime & Balance
PalmPay now supports USSD access so customers can send money, buy airtime, check balances and pay bills without internet. The official PalmPay dial code introduced for Nigeria is *861#. This guide shows the most commonly used commands, how to register and best practices for secure use.
Note: This article was compiled from PalmPay announcements and reputable Nigerian tech & news outlets. For the official PalmPay app or latest changes check PalmPay’s channels or your app settings.
What is PalmPay USSD and why it matters
USSD (Unstructured Supplementary Service Data) is a network protocol that enables simple menu-based banking on basic feature phones—no internet required. PalmPay’s USSD service expands access to its digital wallet for users with limited data, poor network coverage or basic phones. PalmPay launched its official USSD dial code in 2024 to offer offline access to core services like transfers, airtime, data purchase and balance checks. 1
Official PalmPay USSD Code (short answer)
Dial: *861#
PalmPay announced *861# as its primary USSD dial code in official communications and press coverage. Use this code to access the PalmPay USSD menu on any mobile phone. 2
Common PalmPay USSD commands & examples
The USSD experience is menu-driven. After dialing *861# you’ll see a list of numbered options. Typical commands (menu items) include:
- Check balance — Dial
*861#→ choose Check Balance and enter your PIN when prompted. 3 - Send money / Transfer — Dial
*861#→ choose Transfer → enter recipient number or account and amount → enter PIN. 4 - Buy airtime — Dial
*861#→ choose Buy Airtime → enter amount → confirm with PIN. 5 - Buy data — Dial
*861*3#(some PalmPay social posts show a quick code for data) or use the menu after*861#. 6 - Account setup/Registration — Dial
*861#and follow on-screen prompts to register if your phone number is linked to PalmPay. You will set a 4-digit PIN for USSD transactions. 7
Menu names and numbering may vary slightly by telco or app version—follow on-screen prompts carefully and never share your PIN.
Step-by-step: How to activate PalmPay USSD
- Ensure your phone number is registered on your PalmPay account (open the PalmPay app to check).
- Dial
*861#from the phone number linked to your PalmPay account. - Follow the on-screen prompts to register/login and create a 4-digit USSD PIN when asked.
- Confirm details and complete setup. You can now perform transactions via the USSD menu. 8
Security tips for using PalmPay USSD
- Never share your USSD PIN with anyone.
- Only dial
*861#using the phone number registered to your PalmPay account. - Avoid using USSD on public/shared devices; monitor SMS confirmations for unusual activity.
- If you suspect fraud, immediately change your PIN in the app and contact PalmPay support. 9
Notes about conflicting codes you might see online
Some older or third-party pages may list alternative PalmPay USSD codes (e.g., *652#) or other microfinance shortcodes. PalmPay’s widely reported official dial code announced in 2024/2025 is *861#. If you see another short code, double-check the source and confirm within the PalmPay app or official PalmPay channels before using. 10
Quick FAQ
Q: What is the PalmPay USSD code?
A: The official PalmPay USSD dial code is *861#. 11
Q: Can I use USSD without the PalmPay app?
A: You can register through USSD if your number isn’t set up in-app, but it’s recommended to link and verify your number in the PalmPay app for full service and easier recovery. 12
Q: How do I transfer money using USSD?
A: Dial *861# → choose Transfer → follow prompts → enter PIN to confirm. 13
Need more help?
If you can’t access USSD or the code doesn’t work, check the PalmPay app for announcements or contact PalmPay support via the app or official social channels. PalmPay has also posted about the *861# rollout on their social pages.
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