{"id":3007,"date":"2025-07-03T14:26:52","date_gmt":"2025-07-03T14:26:52","guid":{"rendered":"https:\/\/subbase.com.ng\/blog\/?p=3007"},"modified":"2026-02-09T10:46:12","modified_gmt":"2026-02-09T10:46:12","slug":"palmpay-ussd-codes-in-2025-banking-without-internet","status":"publish","type":"post","link":"https:\/\/subbase.com.ng\/blog\/palmpay-ussd-codes-in-2025-banking-without-internet\/","title":{"rendered":"Palmpay USSD Codes In 2026 | Banking Without Internet"},"content":{"rendered":"<div id=\"smart-head-mobile\" class=\"smart-head smart-head-a smart-head-mobile\" data-sticky=\"mid\" data-sticky-type=\"smart\" data-sticky-full=\"\">\n<div class=\"smart-head-row smart-head-mid smart-head-row-3 s-dark smart-head-row-full\">\n<div class=\"inner wrap\">\n<div class=\"items items-center \"><noscript><img data-recalc-dims=\"1\" decoding=\"async\" class=\"logo-mobile logo-image\" src=\"https:\/\/i0.wp.com\/www.naijadatacode.com\/wp-content\/uploads\/2025\/03\/logot.jpg?resize=414%2C83&#038;ssl=1\" width=\"414\" height=\"83\" alt=\"Naija Data Code\"><\/noscript><span style=\"font-size: 16px;\">If you wish to know more about all the Palmpay USSD Codes that enables you to transfer money, recharge your phone, buy data, check your account balance and pay for goods and services from your Palmpay account then you will be guided in this post. The good news is that you don\u2019t need an internet enabled smartphone to be able to use Palmpay USSD Code, any mobile phone and the SIM linked to your bank account is just enough.<\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><!--more--><\/p>\n<div class=\"main ts-contain cf right-sidebar\">\n<div class=\"ts-row\">\n<div class=\"col-8 main-content s-post-contain\">\n<div class=\"the-post s-post-large-b s-post-large\">\n<article id=\"post-6222\" class=\"post-6222 post type-post status-publish format-standard has-post-thumbnail category-finanace tag-palmpay\">\n<div class=\"post-content-wrap\">\n<div class=\"post-content cf entry-content content-spacious\">\n<div class=\"code-block code-block-7\"><\/div>\n<p>Without any doubt, Palmpay is one of the leading online microfinance banks in Nigeria and it is more popular in the western part of Nigeria, they are offering a range of USSD short codes that make banking easier for its customers. Whether you need to check your account balance, transfer money or even pay bills, Palmpay\u2019s USSD codes offer a simple, quick, and secure way to manage your finances right from your mobile phone.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<div class=\"code-block code-block-1\"><\/div>\n<\/div>\n<\/div>\n<h3>What is a USSD Code?<\/h3>\n<p>Unstructured Supplementary Service Data (USSD) is a technology that allows you to access various services through a short code, usually starting with an asterisk (*) and ending with a hash (#). Unlike mobile banking apps that require internet access, USSD codes work on any type of mobile phone and do not require an internet connection, making them accessible to a broader range of customers.<\/p>\n<h3>How to Register for Palmpay USSD Banking<\/h3>\n<p>Before you can use Palmpay\u2019s USSD codes, you need to register for USSD banking. Here\u2019s how to get started:<\/p>\n<ol>\n<li>*<em>Dial *861#:<\/em>\u00a0This is the main USSD code for Palmpay. Dial it on your registered mobile number.<\/li>\n<li><strong>Follow the on-screen prompts:<\/strong>\u00a0You will be prompted to setup your password using\u00a0 \u201cPalmpay app\u201d, once you set it up your USSD banking registration is complete and you are now ready to start using the service.<\/li>\n<\/ol>\n<h3>List of Palmpay USSD Codes and Their Functions<\/h3>\n<div class=\"code-block code-block-3\"><\/div>\n<p>Below is a comprehensive list of Palmpay USSD codes and each dial cost a charge of \u20a610, what each of them does:<\/p>\n<h4>1.\u00a0<strong>Account Balance Inquiry \u2013 *861*5#<\/strong><\/h4>\n<ul>\n<li>To check your account balance, simply dial *861*5# on your mobile phone.<\/li>\n<li>Then select your account from the drop down, then your account balance and your account number will show.<\/li>\n<\/ul>\n<h4>2.\u00a0<strong>Money Transfer to Palmpay Accounts \u2013\u00a0<b>*<\/b>861<em><b>*1#<\/b><\/em><\/strong><\/h4>\n<p>Transferring money to another Palmpay account is straightforward. Just dial *861*1#, enter your PIN, and the money will be transferred instantly.<\/p>\n<h4>3.\u00a0<strong>Money Transfer to Other Banks \u2013 *861*1<b>#<\/b><\/strong><\/h4>\n<p>To transfer money to accounts in other banks like Opay, Palmpay etc, dial *861*1#. After entering your PIN, the transaction will be processed, and the recipient will receive the money.<\/p>\n<h4>4.\u00a0<strong>Airtime Recharge for Self \u2013 *861*2*Amount#<\/strong><\/h4>\n<p>Running out of airtime? You can top up your phone directly from your Palmpay account. Dial *861*2*Amount# (e.g., *861*2*500# for \u20a6500) to recharge your line.<\/p>\n<h4>5.\u00a0<strong>Airtime Recharge for Others \u2013\u00a0<\/strong><strong>*861*2<\/strong><strong><b>*Amount*10digitphonenumber#<\/b><\/strong><\/h4>\n<p>You can also buy airtime for friends and family by dialing *861*2*Amount*10digitphonenumber#<em>. For example, *861*2*200*<\/em>08012345678# will recharge \u20a6200 to the specified phone number.<\/p>\n<h4>6.\u00a0<strong>Data Recharge for Self \u2013 *861*<em><b>3#<\/b><\/em><\/strong><\/h4>\n<p>Running out of data? You can top up your mobile data directly from your Palmpay account. Dial *861*3# to recharge your line.<\/p>\n<h4><strong>7. Password Reset \u2013 *861*11#<\/strong><\/h4>\n<p>If you forget your PIN or need to reset it for any reason, dial *861*11#. You will be asked to enter some security information before you can set a new PIN.<\/p>\n<h4><strong>8. Block ATM Card \u2013 *861*7#<\/strong><\/h4>\n<p>If your ATM Card got stolen or you need to block it for any reason, dial *861*7#. You will be asked to enter some security information before you can block it.<\/p>\n<h4>9.\u00a0<strong>Transaction History \u2013 *861*6#<\/strong><\/h4>\n<p>If you want to also check your transaction history to know how much was credited and debited from your account, you can simply use *861*6#.<\/p>\n<h4>10. Fund Betting \u2013\u00a0<b>*861*4#<\/b><\/h4>\n<p>You can fund any betting platform like bet9ja, Betking, Sportybet, etc by dialing this USSD code *861*4#<b>,\u00a0<\/b>with your registered phone number.<\/p>\n<table width=\"625\">\n<thead>\n<tr>\n<th><strong>Function<\/strong><\/th>\n<th><strong>USSD Code<\/strong><\/th>\n<th><strong>Description<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Account Balance Inquiry<\/strong><\/td>\n<td><strong>*861*5#<\/strong><\/td>\n<td>Check your account balance.<\/td>\n<\/tr>\n<tr>\n<td><strong>Money Transfer (Palmpay)<\/strong><\/td>\n<td><strong>*861*1#<\/strong><\/td>\n<td>Transfer money to another Palmpay account.<\/td>\n<\/tr>\n<tr>\n<td><strong>Money Transfer (Other Banks)<\/strong><\/td>\n<td><strong>*861*1#<\/strong><\/td>\n<td>Transfer money to accounts in other banks.<\/td>\n<\/tr>\n<tr>\n<td><strong>Airtime Recharge (Self)<\/strong><\/td>\n<td><strong>*861*2*Amount#<\/strong><\/td>\n<td>Recharge your own mobile number.<\/td>\n<\/tr>\n<tr>\n<td><strong>Airtime Recharge (Others)<\/strong><\/td>\n<td><strong>*861*2*Amount*10digitphonenumber#<\/strong><\/td>\n<td>Recharge another mobile number.<\/td>\n<\/tr>\n<tr>\n<td><strong>Data Recharge (Self)<\/strong><\/td>\n<td><strong>*861*3#<\/strong><\/td>\n<td>Topup data on your own mobile number.<\/td>\n<\/tr>\n<tr>\n<td><strong>Password Reset<\/strong><\/td>\n<td><strong>*861*11#<\/strong><\/td>\n<td>Reset your USSD banking PIN if forgotten or compromised.<\/td>\n<\/tr>\n<tr>\n<td><strong>Block ATM Card<\/strong><\/td>\n<td><strong>*861*7#<\/strong><\/td>\n<td>Block your Palmpay\u00a0 ATM card via USSD.<\/td>\n<\/tr>\n<tr>\n<td><strong>Transaction History<\/strong><\/td>\n<td><strong>*861*6#<\/strong><\/td>\n<td>Check your transaction history via USSD.<\/td>\n<\/tr>\n<tr>\n<td><strong>Fund Betting<\/strong><\/td>\n<td><strong>*861*4#<\/strong><\/td>\n<td>Easily fund betting platforms like bet9ja etc.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>This table provides a quick overview of the key USSD codes and their respective functions, making it easier for you to navigate Palmpay\u2019s mobile banking services.<\/p>\n<h3>Benefits of Using Palmpay USSD Codes<\/h3>\n<ol>\n<li><strong>Convenience:<\/strong>\u00a0USSD codes allow you to perform banking transactions anytime and anywhere, without the need for internet access.<\/li>\n<li><strong>Speed:<\/strong>\u00a0Transactions are processed instantly, saving you time to look for internet access.<\/li>\n<li><strong>Security:<\/strong>\u00a0every transaction requires your PIN, ensuring that your account remains very\u00a0 secure.<\/li>\n<li><strong>Accessibility:<\/strong>\u00a0USSD codes work on any mobile phone, regardless of whether it is a smartphone or a basic feature phone for only calls.<\/li>\n<li><\/li>\n<\/ol>\n<h3>Frequently Asked Questions (FAQs)<\/h3>\n<p><strong>Q1: Is there a charge for using Palmpay USSD codes?<\/strong><br \/>\nYes, there is a small fee of \u20a610 for each code that you dial.<\/p>\n<p><strong>Q2: Can I use the USSD service on any network?<\/strong><br \/>\nYes, Palmpay USSD codes are available on all major Nigerian networks, including MTN, Glo, Airtel, and 9mobile.<\/p>\n<p><strong>Q3: What is Palmpay Whatsapp customer care number?<\/strong><br \/>\nThe Palmpay whatsapp customer care number is +234 2018886888.<\/p>\n<p><strong>Q4: What is Palmpay USSD code for loan?<\/strong><br \/>\nThere is no Palmpay USSD banking services for loan application, customers should apply for loan through the mobile app or visit any of their nearest office.<\/p>\n<p>Palmpay\u2019s USSD codes offer a reliable and secure way to manage your finances on the go. Whether you need to transfer funds, check your balance, pay bills, or even retrieve an Otp, these short codes provide a quick and convenient solution. Make sure to memorize the codes that are most relevant to you, and enjoy the convenience of banking at your fingertips.<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>To Register Or Login On SubBase <a href=\"https:\/\/subbase.com.ng\/mobile\/register\"><strong>Register<\/strong><\/a> OR <a href=\"https:\/\/subbase.com.ng\/mobile\/login\"><strong>Click here to Login<\/strong><\/a><\/p>\n<div class=\"container\" style=\"background: rgba(255, 255, 255, 0.42); padding-top: 2em;\">\n<div class=\"row\">\n<div class=\"col-md-5 col-lg-6 text-center\"><img decoding=\"async\" class=\"img-fluid\" src=\"assets\/images\/app-mobile.png\" alt=\"\" \/><\/div>\n<div class=\"col-md-7 col-lg-6\">\n<h2 class=\"text-9 font-weight-600 my-4\">SUBBASE<br class=\"d-none d-lg-inline-block\" \/>Mobile App is on playStore<\/h2>\n<p class=\"lead\">Download our app for the fastest, most convenient way to send Recharge.<\/p>\n<p>SubBase is the best way to earn extra 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