In Nigeria today, many people want fast and easy ways to manage their money. PalmPay is a popular financial app that lets you send money, pay bills, and more. While most people use the PalmPay app, there’s also a USSD code that works without internet. It’s great for anyone using a basic phone or living in areas with poor network.
What is PalmPay?
PalmPay is a licensed financial platform in Nigeria. It helps you:
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Send and receive money
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Buy airtime and data
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Pay electricity, TV, and other bills
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Pay merchants
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Get quick loans
Since launching in 2019, PalmPay has grown to over 30 million users.
What is the PalmPay USSD Code?
The official USSD code is *652#.
You can dial this code from any mobile network (MTN, Glo, Airtel, 9mobile) and do banking without internet.
*What Can You Do with 652#?
Here are the services available:
| Service | What You Can Do |
|---|---|
| Check Balance | See how much you have in your PalmPay wallet |
| Send Money | To PalmPay or other bank accounts |
| Buy Airtime | For yourself or others |
| Buy Data | Across all networks |
| Pay Bills | TV, electricity, internet |
| Fund Betting | Recharge accounts like Bet9ja, SportyBet |
| PIN Management | Change or reset your PIN |
| Account Settings | Update your profile or security options |
How to Use PalmPay USSD
If you already have a PalmPay account:
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Dial
*652# -
Choose what you want to do
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Enter your PIN
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Complete the transaction
First-time users:
Download the PalmPay app, register with your phone number, and set a 4-digit PIN. After that, you can start using the USSD code.
Why Use PalmPay USSD Code?
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✅ No internet needed
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✅ Works on all types of phones
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✅ Fast transactions (usually under 10 seconds)
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✅ Works anywhere in Nigeria with a network signal
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✅ Available 24/7, including holidays
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✅ Secure with your personal PIN
PalmPay USSD Charges (2025)
| Transaction | Estimated Fee |
|---|---|
| Check Balance | ₦5 – ₦10 |
| Transfer to PalmPay Wallet | Free |
| Transfer to Bank | ₦10 – ₦25 |
| Buy Airtime/Data | Usually free |
| Pay Bills | ₦10 – ₦20 |
Note: Charges may differ slightly based on your network provider.
Common Issues and Fixes
1. “Invalid MMI Code”:
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Check network signal
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Restart your phone
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Try again later
2. “Phone Number Not Registered”:
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Make sure your number is linked to your PalmPay account
3. “Transaction Failed”:
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Not enough money in wallet
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Entered wrong PIN
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Network delay
4. USSD Not Working?
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Make sure you’re using your registered phone number
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Contact PalmPay support if needed
PalmPay Customer Support
Need help? You can contact PalmPay:
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📞 Phone: 018886888
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📧 Email: support@palmpay.com
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💬 Live Chat: In the PalmPay app
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📱 Social Media: @PalmPayNigeria (Facebook, Twitter, Instagram)
Support is available 24/7.
Frequently Asked Questions
*Q1: Is 652# free to use?
Dialing is free, but some transactions may have small fees.
Q2: Can I transfer to all banks?
Yes, but if a bank isn’t available at the moment, try again later.
Q3: What if I forget my PIN?
Reset it in the PalmPay app or contact support. You can’t reset it via USSD.
Q4: Are there limits?
Yes.
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Basic account: ₦50,000 daily
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Upgraded account: ₦500,000+ daily (You can upgrade with a valid ID in the app)
Q5: Can I block USSD if my phone is stolen?
Yes. Call PalmPay support immediately to block USSD access.
Tips to Stay Safe
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Never share your PIN
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Don’t use public phones to dial *652#
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Change your PIN regularly
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Always report strange activity quickly
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Check your balance after each transaction
What’s Next for PalmPay USSD (Future Plans)
PalmPay is planning to add more USSD features, including:
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Applying for loans through *652#
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Connecting with insurance and pension services
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QR payments without the app
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Voice-guided USSD for the visually impaired
Conclusion
PalmPay’s USSD code *652# makes banking easy for everyone — even without a smartphone or internet. You can send money, pay bills, buy airtime, and more anytime, anywhere.
✅ Just dial *652# to get started.
Quick Tip:
If you don’t have a PalmPay account, download the app and register now.
If you do, start exploring USSD today!
