In 2025, Palmpay continues to make financial transactions easier than ever — even without an internet connection. With its USSD banking service, users can send money, buy airtime, pay bills, and perform other essential banking operations using simple codes on their phones.
If you ever run out of data or have network issues, Palmpay’s USSD code (*652#) lets you access your account and make secure transactions anytime, anywhere.
Let’s explore how to use Palmpay’s USSD codes in 2025 and everything you can do with them.
What Is the Palmpay USSD Code?
The official Palmpay USSD code for 2025 is *652#.
This service allows you to perform instant financial transactions from any phone — no smartphone or data required.
You just need to have a Palmpay account and ensure your SIM card is linked to it.
How to Activate Palmpay USSD Banking
Follow these simple steps to activate Palmpay’s USSD service:
- Dial *652# on your registered phone number.
- Choose the option to create or link your account.
- Set up your 4-digit transaction PIN.
- Once registration is complete, you can start performing transactions instantly.
Works on all mobile networks in Nigeria (MTN, Airtel, Glo, and 9mobile).
Available 24/7 — even without internet access.
Complete List of Palmpay USSD Codes (2025)
| Transaction Type | USSD Code | Description |
|---|---|---|
| Check Account Balance | *6520# | View your account balance instantly |
| Transfer Money | *652Amount*Account Number# | Send money to any Palmpay or bank account |
| Buy Airtime (Self) | *652Amount# | Recharge your Palmpay-registered number |
| Buy Airtime (Others) | *652Amount*Phone Number# | Recharge any other number instantly |
| Buy Data | *6524# | Purchase data bundles for yourself or others |
| Pay Bills | *6522# | Pay electricity, TV, and internet bills |
| Check Transaction History | *6525# | View recent transactions and payment records |
| Change/Reset PIN | *6526# | Update or reset your USSD transaction PIN |
| Block Account | *652911# | Instantly block your Palmpay account if your phone is lost or stolen |
How to Send Money Using Palmpay USSD
Sending money is quick and easy:
- Dial *652Amount*Account Number#
- Select the recipient’s bank
- Enter your transaction PIN
- Confirm and send
Example:
To send ₦5,000 to account number 0123456789, dial:*652*5000*0123456789#
Funds will be transferred instantly!
How to Buy Airtime and Data Using USSD
You can buy airtime or data for yourself or others directly from your Palmpay wallet:
- For Self: Dial *652Amount#*
→ Example: *652500# to recharge ₦500 - For Others: Dial *652AmountPhone Number#
→ Example: *652200*08031234567# to recharge ₦200 for someone else - For Data: Dial *6524#* and follow the on-screen instructions
How to Block Your Palmpay Account (Emergency)
If your phone is stolen or compromised, you can instantly block your Palmpay account to protect your funds.
Simply dial:*652*911#
Follow the prompt to confirm, and your account will be secured immediately.
Why Use Palmpay USSD Banking?
- Fast and convenient — works instantly without data
- Secure — protected by a transaction PIN
- Accessible anywhere — no app or internet needed
- Available 24/7 — day or night
Palmpay’s USSD service is perfect for users who want a reliable banking option on the go — especially in areas with poor network coverage.
Conclusion
With Palmpay’s USSD code (*652#), you can manage your finances anytime without needing an internet connection. Whether it’s sending money, paying bills, or buying airtime, the process is simple, fast, and secure.
So next time your data runs out, don’t panic — just dial 652# and enjoy banking without internet!
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