PalmPay bank code 999991 and USSD code *861#: developer integration guide

PalmPay's bank code is 999991 and its USSD code is *861#. If you're building a payment or transfer flow in Nigeria, 999991 is the NIBSS code that routes money to PalmPay wallets. This guide covers everything a developer needs to integrate PalmPay.

PalmPay bank code at a glance

Name:       PalmPay
Bank code:  999991
USSD:       *861#
Type:       Fintech / mobile money
Country:    Nigeria (NG)

The *861# USSD code

PalmPay launched its USSD service *861# in October 2024, so customers can transfer money, buy airtime and data, pay bills, and check balances with no internet connection. It works across MTN, Airtel, Glo, and 9mobile lines — dial it from the phone number registered to the PalmPay account.

Looking up PalmPay via API

curl https://mansaapi.com/api/v1/identity/banks/999991 \
  -H "Authorization: Bearer YOUR_API_KEY"

import { MansaAPI } from "mansaapi";

const mansa = new MansaAPI({ apiKey: "mansa_live_sk_..." });
const { data: palmpay } = await mansa.identity.getBank("999991");
console.log(palmpay.name); // "PalmPay"
console.log(palmpay.ussd); // "*861#"

Using PalmPay in a transfer flow

In a bank selector, PalmPay should appear alongside traditional banks. Pull the full Nigerian institution list and PalmPay is included with its 999991 code:

const { data: banks } = await mansa.identity.getBanks({ country: "NG" });
const palmpay = banks.find(b => b.code === "999991");

Related fintech codes

PalmPay     999991    *861#
OPay        999992    *955#
Moniepoint  50515     *5573#
Kuda        50211     — (no USSD)

Look up any of these instantly with the free bank code finder, see every Nigerian shortcode on the Nigerian USSD codes page, or read the full Nigerian bank codes guide.