PalmPay's USSD code *861# lets you use its wallet without data — send money, buy airtime and data, and check balances from any phone. This guide covers how to set it up and use it safely.
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What Is *861#?
It is PalmPay's USSD channel that works on feature phones and smartphones without an internet connection. Once your phone number is linked to your PalmPay account, you can transact from the dialler.
How to Get Started
- Register or log in to your PalmPay app and confirm your phone number.
- Dial *861# on the same number.
- Follow the menu: transfers, airtime, data, balance, or card services.
What You Can Do
- Send money to PalmPay users and bank accounts.
- Buy airtime and data bundles for any Nigerian network.
- Check your wallet balance.
- Access some bill payments and account services.
Safety Tips
- Never share your PIN or OTP with anyone.
- Only use the official code *861# — ignore 'new' codes from unknown sources.
- Keep transaction alerts on in the app.
FAQ
Do I need data to use *861#?
No — USSD works on your mobile network without internet, though network operator charges may apply.
Does *861# work for international transfers?
USSD is for local transfers and easy services; international or large transfers are better done in the app.
Related: OPay vs PalmPay vs Moniepoint and Can GTBank Transfer to OPay?