Home Finance PalmPay USSD Code to Transfer Money, Check Account Balance, Loan, Borrow Money,...

PalmPay USSD Code to Transfer Money, Check Account Balance, Loan, Borrow Money, and For Airtime Purchase. 

Financial transactions have become increasingly convenient, and mobile apps have revolutionized the way we manage our finances. However, not everyone has access to smartphones or stable internet connections. Recognizing this, PalmPay, a leading financial platform, has introduced a USSD (Unstructured Supplementary Service Data) code service to enable users to perform essential transactions seamlessly, even without a smartphone or internet access. 

The PalmPay USSD code provides a simple and accessible way to transfer money, check account balances, access loans, borrow money, and purchase airtime, empowering individuals with greater financial control. In this article, we will explore the versatility and convenience of PalmPay’s USSD code service and guide you through the various transactions you can accomplish with ease. 

Let’s dive in and discover how this innovative solution simplifies financial management for users across different technological landscapes.

About Palmpay

Palmpay is a leading financial technology company that provides a comprehensive range of digital financial services. It offers a mobile payment platform that allows users to perform various financial transactions conveniently and securely through their smartphones. Palmpay’s mission is to empower individuals and businesses by providing them with innovative solutions to manage their finances, make payments, and access additional financial services.

The Palmpay app serves as a one-stop destination for a wide array of financial transactions. Users can link their bank accounts, debit cards, or Palmpay wallets to the app, enabling them to make seamless payments, transfer funds, and manage their finances with ease. Whether it’s paying bills, purchasing airtime and data, or sending money to friends and family, Palmpay offers a user-friendly interface and a secure platform to facilitate these transactions.

In addition to its core payment services, Palmpay has expanded its offerings to include other financial services. Users can access loans and credit facilities tailored to their needs, enabling them to meet their financial obligations and pursue their goals. Palmpay also provides options for investment and savings, helping users grow their wealth and achieve financial stability.

Palmpay places a strong emphasis on security and privacy. The app incorporates advanced security measures to safeguard user data and financial transactions. With robust encryption protocols and authentication processes, Palmpay ensures that users can trust their platform for secure and reliable financial services.

Furthermore, Palmpay actively collaborates with a network of merchants, businesses, and service providers to offer a wide range of products and services within the app. This ecosystem allows users to enjoy discounts, cashback rewards, and exclusive deals when making purchases or utilizing services through the Palmpay platform.

PalmPay USSD Code to Transfer Money

Transferring money has never been easier with the PalmPay USSD code service. With the PalmPay USSD code, you can securely and conveniently send money to friends, family, or business associates, even without access to a smartphone or internet connection. This innovative feature allows you to perform quick and hassle-free money transfers with just a few simple steps.

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To initiate a money transfer using the PalmPay USSD code, follow these steps:

  1. Dial *652#
  2. Follow the prompts on the screen to navigate through the available options. Look for the “Transfer” or “Send Money” option and select it.
  3. Enter the recipient’s mobile phone number or PalmPay user ID to identify the recipient.
  4. Specify the amount you wish to transfer and confirm the transaction details.
  5. Enter your secure PIN or password to authorize the money transfer.
  6. Review the transaction summary to ensure accuracy, and if everything is correct, confirm the transfer.
  7. You will receive a confirmation message with the details of the completed transaction, including the amount transferred and the recipient’s information.
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PalmPay USSD Code to Check Account Balance

To check your PalmPay account balance using the USSD code, follow these simple steps:

  1. Dial *652#
  2. Wait for the USSD menu to appear on your screen, presenting you with a list of available options.
  3. Locate and select the option related to “Check Account Balance” or “Account Balance.”
  4. Enter your PalmPay account PIN or password when prompted to authenticate your request. This ensures that only you can access your account balance information.
  5. After submitting the PIN or password, the system will process your request and retrieve your PalmPay account balance.
  6. Within a few moments, you will receive a message displaying your current account balance directly on your mobile phone screen.

It’s important to note that using the PalmPay USSD code to check your account balance is a secure and convenient method, especially when internet access or a smartphone is not readily available.

PalmPay USSD Code For Loans or Borrow Money

To access loans using the PalmPay USSD code, follow these steps:

  1. Dial *652#
  2. Once the USSD menu appears on your screen, navigate through the available options to find the “Loans” or “Borrow Money” option.
  3. Select the “Loans” or “Borrow Money” option to proceed with your loan request.
  4. You may be required to provide some information or answer a series of questions to determine your eligibility and loan offer. This may include details such as your employment status, income level, and desired loan amount.
  5. Follow the prompts on the screen to input the required information accurately. Ensure that you provide the necessary details and answer any questions truthfully.
  6. Once you have completed the loan application process, the system will process your request and evaluate your eligibility.
  7. If approved, you will receive a notification with the loan offer, including the loan amount, repayment terms, and any applicable interest rates or fees.
  8. Review the loan offer carefully to ensure it aligns with your financial needs and capabilities.
  9. If you accept the loan offer, follow the instructions provided by the USSD code to confirm your acceptance and initiate the loan disbursement.
  10. The loan amount will be credited to your PalmPay wallet or bank account linked to your PalmPay account, depending on the specific terms and conditions.

It’s important to note that loan availability, terms, and conditions may vary depending on your eligibility and PalmPay’s lending policies.

Palmpay USSD Code For For Airtime Purchase

To purchase airtime using the PalmPay USSD code, follow these simple steps:

  1. Dial *652#
  2. Once the USSD menu appears on your screen, navigate through the available options to find the “Airtime Purchase” option.
  3. Select the “Airtime Purchase” option to proceed with your airtime purchase.
  4. Enter the phone number for which you want to recharge with airtime. Ensure that you provide the correct phone number to avoid any issues.
  5. Specify the amount of airtime you wish to purchase. You may have the option to choose from predefined denominations or enter a custom amount.
  6. Review the transaction details to ensure accuracy, including the phone number and the amount of airtime selected.
  7. Follow the prompts on the screen to confirm your airtime purchase.
  8. If you have sufficient funds in your PalmPay wallet or linked bank account, the transaction will be processed, and you will receive a confirmation message with the details of your successful airtime purchase.

By using the PalmPay USSD code for airtime purchases, you can conveniently recharge your phone anytime and anywhere, even without access to the internet or a smartphone. It offers a quick and hassle-free way to top up your airtime balance and stay connected.

Other Features Of Palmpay USSD 

In addition to the core functionalities mentioned earlier, the PalmPay USSD code offers several other features that enhance the overall user experience and provide added convenience. Let’s explore some of these features:

  1. Bill Payments: With the PalmPay USSD code, you can conveniently pay various bills, such as electricity, water, internet, cable TV, and more. Simply select the “Bill Payments” option from the USSD menu, follow the prompts, and enter the necessary details to complete the payment.
  2. Fund Transfers: Apart from transferring money to other PalmPay users, you can also use the USSD code to transfer funds to bank accounts or other mobile money wallets. This feature allows you to send money securely and swiftly to your desired recipient.
  3. PalmPoints Redemption: PalmPoints is PalmPay’s loyalty program that rewards users for their transactions and engagement on the platform. Through the USSD code, you can check your PalmPoints balance and redeem them for various rewards, discounts, or exclusive offers.
  4. Savings and Investments: PalmPay offers savings and investment options to help users grow their wealth. Using the USSD code, you can explore these features, set up savings goals, deposit funds, or invest in available financial products.
  5. Account Management: The USSD code allows you to manage your PalmPay account settings and preferences. You can update your profile information, change your PIN or password, and customize notification settings according to your preferences.
  6. Transaction History: Stay informed about your past transactions by accessing your transaction history through the USSD code. You can view details of previous transfers, payments, purchases, and loan transactions, allowing you to track and manage your financial activities effectively.
  7. Customer Support: If you have any inquiries, or issues, or need assistance, the PalmPay USSD code provides access to customer support. You can find a dedicated option in the USSD menu to connect with PalmPay’s customer service representatives for prompt assistance.
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These additional features offered through the PalmPay USSD code ensure a comprehensive and versatile financial management experience.


What is the USSD code for a PalmPay loan?

The USSD code for accessing loans on PalmPay is *652#. Dial this code on your mobile phone to access the loan services.

Can I borrow money from PalmPay?

Yes, you can borrow money from PalmPay. They offer a loan service called Flexi Cash, which allows you to borrow money directly from the PalmPay app.

Can I use the USSD code to transfer to PalmPay?

No, the USSD code for PalmPay is primarily used for accessing PalmPay services, such as checking account balances, purchasing airtime, and accessing loans. To transfer money to PalmPay, you can use other available transfer options, such as bank transfers or mobile money transfers.

How do I get Flexi Cash on PalmPay?

To access Flexi Cash on PalmPay, follow these steps:

  1. Download and install the PalmPay app from your app store.
  2. Sign up for a PalmPay account and complete the necessary verification process.
  3. Open the app and navigate to the “Flexi Cash” section.
  4. Follow the prompts to provide the required information, such as your details, employment information, and loan amount.
  5.  Once your loan application is approved, the funds will be disbursed directly to your PalmPay wallet.

How do I borrow 2k from PalmPay?

To borrow 2,000 Naira from PalmPay using Flexi Cash, follow these steps:

  1. Ensure you have a PalmPay account and the PalmPay app installed on your mobile device.
  2. Open the app and navigate to the “Flexi Cash” section.
  3. Follow the prompts to provide the necessary information, including the loan amount (2,000 Naira) and any other required details.
  4. Submit your loan application.
  5. If approved, the loan amount will be credited to your PalmPay wallet, and you can access it for your financial needs.


In conclusion, the PalmPay USSD code offers a wide range of convenient and accessible financial services. Whether you need to transfer money, check your account balance, apply for a loan, borrow money, or purchase airtime, the PalmPay USSD code provides a simple and efficient solution.

By dialing the designated USSD code, users can initiate various transactions without the need for an internet connection or a smartphone. This feature is especially valuable for individuals who may have limited access to the Internet or prefer a more traditional and straightforward banking experience.

The USSD code allows users to transfer money securely, ensuring that funds can be sent to other PalmPay users, bank accounts, or mobile money wallets. Checking account balances becomes effortless, providing users with real-time information about their financial status.