Palmpay Ussd Code

In today’s fast-paced world, convenience in financial transactions is no longer a luxury — it is a necessity. PalmPay, a leading financial services provider in Nigeria, understands this need. While many users interact with PalmPay through its mobile app, an increasingly popular way to access PalmPay services is through the PalmPay USSD code.

This detailed guide covers everything you need to know about PalmPay’s USSD banking: the code, services you can access, setup instructions, benefits, limitations, and expert tips to maximize your mobile banking experience.

What is PalmPay?

PalmPay is a licensed mobile money operator and digital wallet platform that offers services such as:

• Sending and receiving money

• Paying utility bills

• Buying airtime and data

• Making merchant payments

• Accessing soft loans

Launched in 2019, PalmPay has grown rapidly, boasting over 30 million users by 2025. It is recognized for low fees, instant cashback, promotional bonuses, and a highly secure system.

What is the PalmPay USSD Code?

The official PalmPay USSD code is *652#.

With this simple code, PalmPay customers can carry out transactions without the need for an internet connection or smartphone. It works on any GSM network (MTN, Airtel, Glo, 9mobile) across Nigeria.

See Also: How to generate zenith bank token using ussd

The USSD platform was introduced to make PalmPay’s services even more accessible to millions of Nigerians who live in areas with limited internet connectivity.

Services You Can Access with PalmPay USSD *652#

Here’s a breakdown of everything you can do:

How to Register/Activate PalmPay USSD Service

If you already have a PalmPay account linked to your phone number, using the USSD service is easy.

See Also:  Access Bank Customer Care

1. Dial *652#.

2. Select your desired service.

3. Enter your PalmPay PIN when prompted.

4. Complete your transaction.

Tip: First-time users must first sign up on the PalmPay app to create an account.

If you don’t have a PalmPay account:

• Download the PalmPay App on Google Play Store or Apple App Store.

• Register using your mobile number.

• Create a secure 4-digit PIN.

• Then start using USSD services.

Benefits of Using PalmPay USSD Code

1. No Internet Needed:
USSD is ideal for areas with weak or no internet access.

2. Works on All Phones:
From basic feature phones to smartphones, USSD works seamlessly.

3. Fast Transactions:
Most transactions take less than 10 seconds.

4. Nationwide Coverage:
Available everywhere you have GSM signal, including remote villages.

5. 24/7 Availability:
You can access PalmPay USSD services any time, including weekends and holidays.

6. Safe and Secure:
All transactions require a personal PIN for authorization.

Common PalmPay USSD Charges (2025 Updated)

Note: Charges may vary slightly depending on your mobile network operator.

Troubleshooting Common PalmPay USSD Issues

1. “Invalid MMI Code” Error:

• Check your network connection.

• Retry after a few minutes.

• Restart your phone.

2. “Phone Number Not Registered” Error:

• Your number must be linked to your PalmPay account.

• Register through the PalmPay app first.

3. “Transaction Failed” Error:

• Insufficient balance.

• Network congestion (try again after a while).

• Incorrect PIN entered (after three failed attempts, account locks temporarily).

4. USSD Code Not Working?

• Make sure you’re dialing *652# from the phone number linked to your PalmPay account.

• If problem persists, contact PalmPay Customer Care.

PalmPay Customer Support Contacts (2025)

If you encounter any issues using the USSD code, you can reach PalmPay through:

• Phone: 018886888

• Email: support@palmpay.com

• Live Chat: Available in the PalmPay app

• Social Media: @PalmPayNigeria on Twitter, Facebook, Instagram

PalmPay customer support operates 24/7.

FAQs About PalmPay USSD Code

1. Is the PalmPay USSD code *652# free to use?

Dialing the code is free, but some transactions (like money transfers) may attract small service fees.

2. Can I transfer to banks that are not listed?

PalmPay covers all major Nigerian banks. However, if a bank is temporarily unavailable, you can try again later.

3. What happens if I forget my PalmPay PIN?

You can reset your PIN through the PalmPay app or by contacting customer service. For security reasons, you cannot reset your PIN via USSD.

4. Is there a transaction limit on USSD?

Yes. The daily limit depends on your account KYC level:

• Basic: ₦50,000 per day

• Upgraded: ₦500,000+ per day

You can upgrade your account via the app by submitting a valid ID.

5. Can I deactivate USSD access for security reasons?

Yes. If you lose your phone or suspect unauthorized access, call PalmPay immediately to block USSD access to your wallet.

Security Tips for Using PalmPay USSD

• Never disclose your PIN to anyone.

• Avoid using public phones to dial *652#.

• Regularly update your PIN for extra security.

• Always log complaints quickly if you suspect fraud.

• Monitor your balance after each transaction.

Future of PalmPay USSD Banking (2025 and Beyond)

PalmPay is actively working on expanding its USSD offerings. Expected upgrades include:

• Automated loan applications via USSD.

• Easier integration with insurance and pension services.

• Enhanced merchant payment options (QR codes via USSD).

• Introduction of voice-guided USSD navigation for visually impaired users.

These innovations will further deepen financial inclusion across Nigeria.

Conclusion

The PalmPay USSD code *652# is a game-changer for digital banking in Nigeria. Whether you own a basic phone or live in an area with poor internet access, you can enjoy seamless financial services anytime and anywhere.

PalmPay’s commitment to secure, fast, and user-friendly USSD banking reflects its mission to make financial services accessible to every Nigerian.

✅ Dial *652# today and take control of your financial transactions with ease.

Quick Action:

• If you don’t have a PalmPay account yet, download the app and register now.

• If you’re an existing user, start exploring all the services you can access via USSD.