PalmPay: The Smarter Way to Bank!
- Trusted by millions of Nigerian users for seamless money transfers and payments.
- Enjoy seamless and unlimited Free Transfers to all banks.
- Easy to sign up with your phone number and get mind-blowing Rewards.
- Enjoy a FREE ATM card with zero maintenance fee.
- Explore exclusive data bundles such as social and campus plans.
- Invest flexibly and earn up to 40% year return with a diverse range of financial products including savings, mutual funds, and insurance!
- 24/7 Customer Support is always available for you.
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PalmPay is an intuitive financial app with account opening, money transfer, and bill payments in one. PalmPay is worthy of your trust based on its safety and reliability. And it is fully licensed and regulated as a Mobile Money Operator by the Central Bank of Nigeria, insured by the NDIC, and trusted by millions of users.
With over 500 cooperation partners, PalmPay supports all scenarios you want to pay. You can get benefits in PalmPay APP, including amazing coupons, free transfer chances, cashback or discount on transaction, etc. Download, and join us now.
1. Transfer
- Unlimited Free Transfers to all banks.
- Instant transfer to over 500 financial institutions.
2.PalmPay ATM Card
- Apply via the app or obtain it instantly at a local card agent.
- Enjoy zero maintenance fee and zero SMS alerts fee.
- Accepted everywhere - usable at any POS, ATM, and online channel.
3.Data Bundle
- Purchase data bundles quickly and securely anytime.
- Explore exclusive plans such as MTN Social Bundles, GLO Campus Bundles, and Airtel 6X Voice Bundles.
4.Airtime
- Recharge instantly on MTN, Airtel, GLO, T2 Mobile (9Mobile), and Smile.
- Top up in seconds, anytime, anywhere.
- Stay connected with Airtime Auto-Renew - recharge automatically and avoid downtime.
5.Wealth
- Cashbox: a versatile savings wallet with an impressive annual interest rate of up to 20%.
- SmartEarn: offers an exceptional 22% annualized interest rate alongside 24/7 instant withdrawals, with no redemption fees.
6. Loan (Powered by Blooms MFB Ltd.)
- Repayment periods from 61 days to 6 months
- Loan amount from N2000 to N500000
- APR up to 36% per annum
*For example; N1000 is given for 90 days loan term,
*Interest: N90(9%rate)
*Total amount payable: N1090
*Representative: 36%APR
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We take the security of your funds and data seriously. PalmPay uses the highest level of encryption to protect your personal and transaction information.
1. Insuring Your Money
Your deposits are safe! Every Deposit made on PalmPay is insured by the Nigeria Deposit Insurance Corporation (NDIC).
2. Transaction Screening
We screen all transactions using international databases as our proprietary systems to prevent money laundering and fraud.
3. Security Certifications
PalmPay is PCI DSS certified to secure transactions against data theft and fraud. We are recognized by NITDA and comply with the NDPR for meeting the highest information security standards.
4. Fraud Protection
In addition to automation, PalmPay’s teams work full time to intercept suspicious transactions, freeze suspected account and follow up on reports.
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Contact us
We are always excited to hear from you. For any feedback or concerns, reach us via:
1. Helpline: 018886888
2. Email: support@palmpay.com
3. Website: https://www.palmpay.com/
4. Address: 20 opebi rode ikeja, Lagos
To know more, find us on Facebook, Twitter, Instagram, and Telegram.
1. Twitter: @palmpay_ng
2. Facebook: @PalmPay Nigeria
3. Instagram: @palmpayapp_ng
4. TikTok: @palmpayapp
5. YouTube: @PalmPay
6. LinkedIn: PalmPay
Palmpay has actually been serving me well since I opened it, smooth and fast transactions but this has been happening for a few days now; my parents and friends tried sending money to my palmpay account and the transaction keeps reversing and then my mom called and said it was telling her that my account doesn’t exist meanwhile I still successfully transferred to someone that same day and I even changed the number on the account so see if there would be any changes but it was still the same thing. Funny enough they did the transfer to a friend also using palmpay and it went within seconds and I’ve tried to contact customer service but all to no availPlease what could possibly be the reason and what could be done ?
Developer Response
Hello lola_omo. We are so sorry about your experience. Could you please send us your account number via our live chat channel or email at support@palmpay.com or call 02018886888 so we can assist you further? Thank you~Opeyemi.
A terrible experience
Spot On KONAMI!
Well from my perspective, PalmPayFreeTransfers isn’t bad but the loan aspect is terrible, i mean I recently took a loan which was 2 weeks ago, getting to the due date I could not pay for the loan cus if I hard no money on me, then PalmPayFreeTransfers and their agents online started demanding payment but I pleaded with them to understand my situation, but they refused to listen and was insisting I pay half payment, but I said I did not have the money and it was my fist time not paying before due date, the eventual stop only for 2 days to pass they threatened to post my pictures on social media saying that I am a bad person, God I felt embarrassed, and told one of the agent who said that I lied saying that I do not have food to eat but I am capable of feeding my family and myself I was like Jesus when was that, I spoke my mind to him and told him that after paying I will never use PalmPay again, I just payed and deleted the app, I can’t go back to use it again is e why people patronize I pay instead God a very terrible experience, was insulted countless times even today as well. Well it was fun while it lasted. Thank you for your services I still have 35 Naira to pay off when I pay it I will demand for an account termination. Thank you
The most useless banking app that will make you want to commit suicide
Emperor Of Nigeria
The day your account will have issues with palm pay that’s when you will know that they are the most wicked and useless banking app and they aren’t even friendly with users, my account has been suspended for almost a week now with 482k in it (my whole life money), they are telling me someone sent a fraudulent money to my account which I don’t have idea off I told them to remove the money because I don’t know the person and I don’t have any business with that person. I told them to reverse the money from where it comes from so that I can access my own money they don’t want to they keep me in pains and I’m so depressed because of this I can’t even eat good meal anymore. In this situation I have even gone to their branch in Abuja all I receive was insult and no solution. I called the, I contacted their live chat nothing was done. They keep on asking me same stupid questions what’s my business with the sender. Someone I told them I don’t know the person and I have never received any money from that person they don’t want to hear me palm pay you guys are very wicked maybe when I’m dead that’s when you guys will give me my money.
Developer Response
Hello Emperor Of Nigeria. We are so sorry about your experience. Could you please send us your account number via our live chat channel or email at support@palmpay.com or call 02018886888 so we can assist you further? Thank you~Opeyemi.
Unfair service from flexicash
Harahmeeday
Goodday team palmpay/flexicash I honestly don’t know if this you guys are doing is wickedness or your customer service is just poor? I’ve been consistently paying back every little loan I borrowed from flexi, not until 3weeks ago they said the loan I can borrow now is an installment loan of 40k to pay twice and I accepted the due date for my first part payment was mar 26th 2025 and I was unable to pay it that day immediately the second day flexi add interest on it? Why is it like that I even tried to explain that they should pls if I can just pay it all on the second due date which will be April 9th 2025, your customer service team started threatening me saying if I don’t pay it now they will reach out to my contact when I’ve not even breached the contract between us because I can still pay up on the next due date the interest they are adding is not enough they are saying they will call and message my contact by 12pm if they should call them I will not pay a dime they would later call the contacts to pay them off the loan I’m owing.
- Experience improvement and bug fixes.
Version 7.7.1
The developer, Palmpay Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
Contacts
Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Contact Info
User Content
Search History
Usage Data
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More