What is PalmPay USSD code?

The PalmPay USSD code is *861#. Dial it from the number linked to your PalmPay account.

What is the PalmPay transfer code?

Dial *861# and choose the transfer option. PalmPay has not published a separate transfer shortcut that we could verify.

How do I use the PalmPay USSD code to transfer money?

Dial *861# from your registered line, follow the transfer prompts, enter the recipient and amount, and approve with your PIN.

What is the PalmPay USSD code to check balance?

Use the main code *861# and follow the menu to your balance.

Does the PalmPay USSD code work everywhere in Nigeria?

Yes, *861# is PalmPay's Nigerian USSD code and works without mobile data from the phone number registered on your account.

PalmPay USSD code for transfer and balance in Nigeria

The PalmPay USSD code is *861#. Dial it from the phone number linked to your PalmPay account to reach the PalmPay menu without mobile data. PalmPay launched the code in October 2024 so customers could bank when the network is too poor for the app.

*861#Dial

Verified 12 Oct 2026Official source

All PalmPay codes

PalmPay USSD code to transfer money

Dial *861# and follow the menu to send money. PalmPay's main selling point in Nigeria is free transfers, which its website promotes as unlimited. Whether that offer applies to transfers made by USSD as well as in the app isn't stated on PalmPay's site, so check the confirmation screen before you approve a USSD transfer.

Freezing your account if your phone is stolen

When the code launched, PalmPay's Nigeria managing director said the USSD platform includes a way to freeze your account remotely if your phone is lost or stolen. PalmPay hasn't published a separate short code for this, so start from *861# and look for the security option, or contact PalmPay support straight away.

PalmPay USSD code to check balance

Balance checks run through the same *861# menu. We have not found a separate balance shortcut published by PalmPay, and we don't list unconfirmed shortcuts.

Frequently asked questions

What is PalmPay USSD code?: The PalmPay USSD code is *861#. Dial it from the number linked to your PalmPay account.
What is the PalmPay transfer code?: Dial *861# and choose the transfer option. PalmPay has not published a separate transfer shortcut that we could verify.
How do I use the PalmPay USSD code to transfer money?: Dial *861# from your registered line, follow the transfer prompts, enter the recipient and amount, and approve with your PIN.
What is the PalmPay USSD code to check balance?: Use the main code *861# and follow the menu to your balance.
Does the PalmPay USSD code work everywhere in Nigeria?: Yes, *861# is PalmPay's Nigerian USSD code and works without mobile data from the phone number registered on your account.