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| Learn how to use PalmPay USSD code *861# for transfers, balance checks, airtime, bill payments, and account security without internet. |
PalmPay USSD Code: Transfer Money Without Internet
PalmPay's official USSD code is *861#`. Dial it on your registered line to transfer money, check your balance, buy airtime, pay bills, or freeze your account if your phone is lost or stolen — no internet or app required.
How to Transfer Money Using PalmPay USSD
1. Dial `*861#` on your registered PalmPay phone number
2. Select the transfer option from the menu
3. Enter the recipient's account number and select their bank (PalmPay or any Nigerian bank)
4. Enter the amount
5. Confirm with your PalmPay PIN
6. Wait for the confirmation SMS
What Else You Can Do With *861#
- - Check your account balance
- - Buy airtime or data
- - Pay electricity, TV, and water bills
- - View mini-statements
- - Freeze your account remotely if your phone is lost or stolen — a built-in security feature of the USSD platform
Why This Matters for Financial Inclusion
PalmPay's over 500,000 mobile money agents and this USSD code mean users without smartphones or reliable data can still access transfers and payments — useful anywhere network data is unreliable.
Common Mistakes to Avoid
- - Dialing an outdated or incorrect code found online. Always confirm *861# specifically — other codes circulating online for PalmPay are not accurate.
- - Using USSD on a SIM not registered to your PalmPay account. The service only works on your registered line.
- - Sharing your PIN when confirming a USSD transaction. Enter it yourself; never read it aloud or type it for someone else.
- PalmPay Customer Care: Phone Number, WhatsApp & Email
- How to Close, Delete, or Deactivate Your PalmPay Account
`*861#` is PalmPay's verified USSD code for transfers, bill payments, and emergency account freezing — a reliable backup when you don't have internet access.
FAQ
What is PalmPay's official USSD code?
`*861#` — confirmed via PalmPay's own official launch announcement.
Can I freeze my PalmPay account using USSD?
Yes — this is a built-in security feature for lost or stolen phones.
Does the USSD code work on any phone?
Yes, including basic phones without internet, as long as it's your registered PalmPay line.
- PalmPay official newsroom/press release — original announcement of the USSD service
- Central Bank of Nigeria — for verifying PalmPay's Mobile Money Operator license
