How to Open Palmpay Account with USSD Code Without (BVN or NIN) 2025

ByLight Chinedu Chidi Hours

Learn How to Open a PalmPay Account (Without BVN or NIN).

Want to open a PalmPay account? No app. No data. Just your phone. You can do it using a simple USSD code. The best part? You don’t need a BVN or NIN to get started. Let me walk you through it.

How to Open PalmPay Account with USSD Code Without (BVN or NIN) 2025

You can open a PalmPay account with USSD easily. No stress. No smartphone required. Just dial *861# and follow the instructions.

Here’s how to do it step by step:

1. Dial the PalmPay USSD Code

Pick up your phone. Dial *861#. Press the call button.

Use the number you want to register. Any network works—MTN, Airtel, Glo, or 9mobile.

Once the menu appears, select “Open Account” to continue.

2. Enter Your Personal Details

PalmPay needs a few details. They’ll ask for:

  • Your full name (first and last).
  • Your phone number (automatically detected).
  • Your date of birth.

If you don’t have a BVN or NIN, you can still open an account. Just skip that part.

3. Set a Secure PIN

Security matters. You must create a 4-digit PIN. This protects your account.

Pick something that is simple to recall yet challenging for others to figure out. Never use simple numbers like 1234 or 0000.

4. Confirm Your Registration

Check everything. Make sure your details are correct.

Submit the form. You’ll get a confirmation message once it’s successful.

What Can You Do Without BVN or NIN?

Without BVN or NIN, your PalmPay account has limits. Here’s what you can do:

  • Send and receive small amounts.
  • Buy airtime and pay bills.
  • Access basic services.

But, there are some restrictions:

  • Limited daily transaction amounts.
  • No large withdrawals.
  • Some advanced features are locked.

To remove these limits, upgrade with your BVN or NIN later.

How to Upgrade Your PalmPay Account Later

When you get your BVN or NIN, upgrading is easy.

  1. Dial *861#.
  2. Select “Upgrade Account”.
  3. Enter your BVN or NIN.

Your limits will be removed after verification.

Is It Safe to Use PalmPay Without BVN or NIN?

Yes. The CBN has granted PalmPay a license. Your money is safe.

However, without a BVN, your account is more vulnerable. Keep your PIN secret. Never share it with anyone.

Why Open a PalmPay Account Without BVN or NIN?

There are a few reasons:

  • You want quick access to financial services.
  • You don’t have a BVN or NIN yet.
  • You prefer not to share sensitive information.

PalmPay makes it simple. Fast transactions. Easy payments.

Troubleshooting: If *861# Doesn’t Work

If you have issues with the USSD code, try this:

  1. Check your network signal.
  2. Ensure you’re using the correct code (*861#).
  3. Restart your phone and try again.

Still not working? Call PalmPay support at 018886888 for help.

Opening a PalmPay account without BVN or NIN is simple. Dial *861#, follow the prompts, and you’re in.

Without BVN or NIN, you’ll have some limits. But you can still enjoy essential services. Upgrade anytime when you’re ready.

PalmPay keeps things easy. Fast. Convenient. Just the way you want it.