PalmPay USSD Code For Data, Airtime [UPDATED] 2025/2026

If you’ve ever run out of data but still needed to send money, buy airtime, or pay bills, then you’ll understand the convenience of using USSD codes. The good news is that PalmPay, one of Nigeria’s fastest-growing fintech platforms, now allows users to perform key transactions using a simple code, no smartphone or internet connection required.

In this article, we’ll walk you through everything you need to know about the PalmPay USSD code in Nigeria, how to activate it, how to transfer money without data and more.

Does PalmPay Have A Bank Code

Yes, PalmPay has a unique bank code (USSD code) that allows users to access financial services directly from their mobile phones.

The PalmPay USSD service was introduced to help users, especially those without constant internet access to perform essential banking transactions with ease. It functions just like codes from traditional banks such as GTBank’s *737# or Access Bank’s *901#.

With the PalmPay code, you can:

• Send money to any bank account
• Buy airtime or data
• Pay electricity, water, and TV bills
• Fund your PalmPay wallet
• Check your account balance

All you need is the phone number linked to your PalmPay account and a mobile device (it doesn’t have to be a smartphone).

What Is The USSD Code For PalmPay

The official PalmPay USSD code is *652#.This is the shortcode you can dial from any mobile network in Nigeria (MTN, Glo, Airtel, or 9mobile) to access PalmPay services without an internet connection.

Here’s a quick summary:

Transaction Type	PalmPay USSD Code / Steps	Description
Main PalmPay USSD Code	*652#	The general code to access all PalmPay mobile banking services.
Check Account Balance	Dial *652# then select Balance	Displays your PalmPay wallet balance instantly.
Transfer Money	Dial *652# then select Transfer then enter recipient details	Send money to PalmPay users or any Nigerian bank account.
Buy Airtime (Self)	Dial *652# then select Airtime then choose Self	Recharge your registered PalmPay number directly.
Buy Airtime (Others)	Dial *652# then select Airtime then choose Others	Recharge another person’s phone number.
Buy Data	Dial *652# then select Data	Purchase mobile data bundles for any network.
Pay Bills	Dial *652# then select Pay Bills	Pay electricity, water, TV, or internet bills easily.
Add Money / Fund Wallet	Dial *652# then select Add Money	Fund your PalmPay wallet from any linked bank account.
Change / Reset PIN	Dial *652# then select Security Settings	Reset or change your transaction PIN for extra security.
Customer Support	Dial *652# then select Help	Get assistance or customer service information directly.

Using this code is free to dial, but standard USSD session charges (₦6.98 per session) may apply depending on your network provider.

How To Activate PalmPay USSD Code

Activating the PalmPay USSD code is easy and takes just a few steps. Here’s how to do it:

Register A PalmPay Account

If you haven’t yet registered, download the PalmPay app from Google Play Store or Apple App Store, and sign up using your phone number. Ensure that the same phone number is the one you’ll use to dial the USSD code.

Verify Your Account

PalmPay may ask you to verify your identity using your BVN (Bank Verification Number) or NIN (National Identification Number). This ensures security and compliance with Central Bank of Nigeria (CBN) regulations.

Dial The USSD Code

Once your account is active, simply dial *652# on your phone.

Follow The On-Screen Prompts

You’ll see a menu with options like:

• Send Money
• Buy Airtime
• Pay Bills
• Check Balance
• Add Money
• Just type the number corresponding to your desired action and press “Send.”

Confirm Your Transaction

Follow the prompts to enter your PalmPay PIN for confirmation. You’ll then receive an SMS confirming the success of your transaction. That’s it — you’ve successfully activated and started using your PalmPay USSD service!

How To Transfer Money From PalmPay Without Data

One of the best things about the PalmPay USSD service is that you can send money to any bank account even when you don’t have internet access. Here’s how to do it:

• Dial *652# on your mobile phone.
• Choose “Send Money.”
• Select the recipient’s bank name.
• Enter the account number.
• Type in the amount you want to send.
• Confirm the transaction details.
• Enter your PalmPay PIN to authorize the transfer.
• You’ll receive an instant SMS confirming that your transfer was successful.

This makes PalmPay one of the most accessible fintech platforms for people living in rural or low-internet-coverage areas.

How To Make A Transfer On PalmPay Using The App

If you have internet access, you can also send money using the PalmPay app, which offers a smoother and faster experience. Here’s how:

• Open your PalmPay app.
• Tap “Transfer.”
• Choose either PalmPay to PalmPay or PalmPay to Bank.
• Enter the recipient’s details (account number, bank name, etc.).
• Type in the amount and reason for payment (optional).
• Tap “Send.”
• Confirm using your PIN or biometric (fingerprint or face ID).
• Your transfer is instant, and both you and the receiver will get notifications.

How To Use PalmPay USSD

Using the PalmPay USSD code is straightforward. Here’s a breakdown of what you can do and how to do it.

Buy Airtime

• To recharge your line or another number: Dial *652#
• Select “Airtime”
• Choose “Self” or “Others”
• Enter the amount
• Confirm with your PIN

Buy Data

• Dial *652#
• Choose “Data”
• Select the network and bundle
• Enter your phone number
• Confirm payment

Pay Bills

• You can pay for utilities such as:
• DSTV or GOTVPHCN
• electricity
• Water bills
• Internet subscriptions
• Simply dial *652#, select “Pay Bills”, choose the category, and confirm the transaction.

Check Account Balance

• To check your PalmPay wallet balance:
• Dial *652#
• Select “Check Balance”
• Enter your PIN
• Your available balance will be displayed on your screen or sent via SMS.

Add Money To PalmPay

• If you need to fund your wallet:
• Dial *652#
• Choose “Add Money”
• Select a bank or funding option
• Follow the on-screen prompts
• Your wallet will be credited instantly.

Advantages Of Using PalmPay USSD

• No Internet Needed: Perfect for users in low-network areas.
• Fast and Reliable: Transactions complete in seconds.
• Accessible 24/7: Works anytime, even at night or on public holidays.
• Supports All Networks: Works on MTN, Airtel, Glo, and 9mobile.
• Low Transaction Fees: Cheaper compared to traditional bank charges.
• Secure: Protected by your PalmPay PIN and CBN security standards.

Conclusion

The PalmPay USSD code *652# is a powerful tool for Nigerians who want quick and reliable access to mobile banking without needing data. From sending money to paying bills, checking balances, and buying airtime, it makes financial services accessible to everyone — even in areas with poor internet coverage.

PalmPay continues to prove that fintech innovation can make life simpler, more convenient, and inclusive. Whether you’re a student, business owner, or salary earner, using the PalmPay USSD service ensures you never get stranded when it’s time to make a payment.

Frequent Asked Questions – FAQs

Which Bank Owns PalmPay

PalmPay is not owned by any traditional bank. It is a licensed mobile money operator regulated by the Central Bank of Nigeria (CBN) and backed by NetEase and Transsion Holdings, the parent company of TECNO, Infinix, and Itel.

Who Is The CEO Of PalmPay

The CEO of PalmPay Nigeria is Chika Nwosu. He has extensive experience in digital banking and fintech development, making PalmPay one of the most trusted financial service providers in Africa.

Which Country Created PalmPay

PalmPay was founded in China and later expanded to Nigeria and other African countries. Its mission is to make digital payments easy, affordable, and accessible for everyone.

Does China Use PalmPay

While PalmPay originated from China, it primarily operates in Africa, with Nigeria being its largest market. The app is tailored for African users and integrates with local payment systems.

Do Ghanaians Use PalmPay

Yes, PalmPay is also available in Ghana. Users in Ghana can download the PalmPay app, create an account, and use similar services such as transfers, bill payments, and airtime purchases.

Can PalmPay Accept Dollars

Currently, PalmPay accounts in Nigeria are denominated in naira (₦) only. You can’t directly receive or send U.S. dollars through PalmPay, but you can link your PalmPay account to banks that support foreign transactions.

Can I Use PalmPay To Buy Bitcoin

No. PalmPay does not support cryptocurrency transactions such as buying or selling Bitcoin. This is in line with CBN regulations, which prohibit Nigerian fintech companies from facilitating crypto payments.

Who Is Chika Nwosu

Chika Nwosu is the Managing Director and CEO of PalmPay Nigeria. He is a Nigerian technology executive with a long history in the telecom and fintech industry, having worked with companies like Airtel and Infinix before joining PalmPay. Under his leadership, PalmPay has grown into one of Nigeria’s leading digital payment platforms.

For more information on Palmpay USSD Code, visit this blog post, https://mular.co/bank-codes/ussd/palmpay