# PalmPay - Transfers, Bills — Say yes to more

> Financial app for transfers, bills, investments, loans, and ATM card in Nigeria. (iPhone/iPad app by Palmpay Limited.)

- Source: https://appshunter.io/ios/app/palmpay-transfers-bills/id1479656820 (this page in markdown: same URL + `.md`)
- Developer: [Palmpay Limited](https://appshunter.io/developer/1479656819)
- Category: Finance
- Price: Free
- Rating: 4.18/5 from 21,296 App Store ratings · 276 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 99 MB
- Languages: English
- Released: 2019-12-13
- Data updated: 2026-06-10
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/palmpay-transfers-bills/id1479656820/reviews.md

## What is PalmPay?

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

## Key features

- Unlimited free bank transfers
- Bill payments
- Exclusive data bundles
- Investment options with high returns
- Free ATM card with zero fees
- Loan services
- 24/7 customer support

## What do users think of PalmPay?

Overall sentiment: neutral

**Pros**

- 💯 Best mobile banking app
- 🚀 Fast and reliable transactions
- 👍 Smooth user experience
- 💰 Rewards and coupons

**Cons**

- 🐛 Frequent app crashes
- 🔒 Lack of security features (e.g., biometric login)
- 🤕 Poor customer service
- 💰 High transaction fees

**Commonly reported bugs**

- Pending transactions not reflecting in the app
- Inability to upgrade account tiers
- Address verification issues

**Most requested features**

- Dark mode option
- Ability to cancel transactions within a time frame
- Savings account feature
- Crypto trading integration

## Recent user reviews (10 of 276)

All indexed reviews: https://appshunter.io/ios/app/palmpay-transfers-bills/id1479656820/reviews.md

### 1/5 — Too much overdue charges

*2026-03-01, version 7.1.0*

How can you be adding almost 1500 daily for 72k , your overdue charges are too much

### 2/5 — Money borrow issues

*2026-02-27, version 7.1.0*

Why I can’t borrow money from you and I’m your good customer

### 1/5 — Evil and Bad loan policy and customer services

*2026-02-25, version 7.1.0*

Guys I beg you in the name of God if you love your sanity. Please stay away from the flexi loan app on palmpay. They are completely a bunch of low life and insane mad customer service.  Immediately your loan is due they will be send you a life threatening calls and messages ( I can't upload proof here I could have). They rain curses on you and you family. Palmpay do better.  I know you will deny this if someone call u, that's why you use anonymous means to reach your loan defaulter. Opay easi loan is better. Am angry and no one we can report to.

### 1/5 — Bad customer service

*2026-02-24, version 7.1.0*

Okay I borrowed a certain amount of money from this useless bank and it was due just yesterday and coz I made a mistake while I was processing the loan .. coz normally I usually pay by month end but my loan just expired yesterday and this girl called me this morning to curse me .. I’m never using this bank ever again

### 1/5 — Not working in my phone

*2026-02-24, version 7.1.0*

It not working in my phone

### 1/5 — Fix yourselves

*2026-02-12, version 7.1.0*

Fix yourselves , so I can’t uninstall and install ?

### 1/5 — Palmpay charges are too much compared to OPay

*2026-02-11, version 7.1.0*

I’m definitely switching permanently to OPay cause palmpay is aweful imagine charging 500 per month and charging 50 for every transfer made to another bank account.OPay allows three free transfer to other banks and never charge 500 per month

### 1/5 — my account was suspended more than 4month now and I have summited all the necessary thing u ask for

*2026-02-06, version 7.1.0*

my account was suspended more than 4month now and I have summited all the necessary thing u ask for till now u my account isn’t working

### 5/5 — Scammers

*2026-01-29, version 7.1.0*

PalmPay is the dangerous app please stop using this app there are fraud I swear they might run away with our money one day there are liars not to be trusted

### 1/5 — FROZEN ACCOUNT

*2026-01-28, version 7.1.0*

My money have been frozen in my palmpay account for months now, I have summited all required documents but they seem reluctant to unfreeze my account

## Frequently asked questions about PalmPay

### What does PalmPay do?

PalmPay is a financial app that allows users to perform seamless money transfers to all banks, pay bills, purchase data bundles, and access investment opportunities like savings and mutual funds. It also offers loan services and a free ATM card.

### What are the key features of PalmPay?

Key features include unlimited free transfers to all banks, bill payments, exclusive data bundles, flexible investments with high annual returns, a free ATM card with no maintenance fees, loan services, and 24/7 customer support. The app also prioritizes security with encryption and is regulated by the Central Bank of Nigeria.

### Is PalmPay free to use?

The app itself is free to download and use. While there are no direct fees for core services like transfers and bill payments, some features like investments or loans may have associated costs or interest rates. Users can also earn rewards and cashback.

### How secure is PalmPay?

PalmPay takes security very seriously. It uses the highest level of encryption to protect user data and transactions. Deposits are insured by the Nigeria Deposit Insurance Corporation (NDIC), and the app is PCI DSS certified, ensuring secure transactions against data breaches.

### Who is PalmPay for?

PalmPay is designed for millions of Nigerian users who need a reliable and convenient way to manage their finances. It's ideal for individuals looking for easy money transfers, bill payments, investment options, and access to financial products like loans and ATM cards.

## Version history (last 5 releases)

### 7.1.0 — 2026-01-25

- Experience improvement and bug fixes.

### 7.0.1 — 2026-01-15

- Experience improvement and bug fixes.

### 7.0.0 — 2026-01-12

- Experience improvement and bug fixes.

### 6.21.0 — 2025-12-31

- Experience improvement and bug fixes.

### 6.20.0 — 2025-12-06

- Experience improvement and bug fixes.

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## More apps by Palmpay Limited

- [PalmPay Business](https://appshunter.io/ios/app/palmpay-business/id1495013833)
- [PalmPay GH](https://appshunter.io/ios/app/palmpay-gh/id6444612085)
- [PalmPay Nile](https://appshunter.io/ios/app/palmpay-nile/id6448983856)

All apps by Palmpay Limited: https://appshunter.io/developer/1479656819

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*