# PalmPay - Transfers, Bills — user reviews > 276 indexed App Store user reviews of PalmPay by Palmpay Limited, rated 4.18/5 from 21,296 ratings. - Source: https://appshunter.io/ios/app/palmpay-transfers-bills/id1479656820/reviews - App overview in markdown: https://appshunter.io/ios/app/palmpay-transfers-bills/id1479656820.md - Rating breakdown: 5★ 14,233 · 4★ 2,072 · 3★ 1,396 · 2★ 1,186 · 1★ 2,169 ## 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 ## Newest reviews (14 of 276) ### 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 — Money deducted from my balance *2026-01-12, version 7.0.0* This your wallet is trying to turn to something else, I can stop using it what type of nonsense is this?, there’s no way that person can even contact you guys ### 1/5 — Warning. Do not bank with them they have a lot of issues and arrogance they use life to tire you *2026-01-09, version 6.21.0* Warning. Do not bank with them they have a lot of issues and arrogance they use life to tire you ### 4/5 — PALMPAY *2026-01-05, version 6.21.0* Good customer support. Keep it up ### 1/5 — I bought a gift card and the gift card do not work. They do not refund back my money. *2026-01-03, version 6.21.0* I bought a gift card from this platform my money and the gift card was collected the gift card do not work. I contact the customer service. They told me to wait for one or two business days and yet I do not see any result. This platform is a scam Over $10. Was collected they did not refund back my money they do not fix the issue. The platform is telling me that the gift card has been blocked. You people are scam. refund back my money. ### 1/5 — Poor palmpay *2025-12-23, version 6.20.0* Opay is better than you people by far when it comes to loan una no dey see road again ### 1/5 — To subscribe through your app is bad *2025-12-17, version 6.20.0* Hi I've subscribed to Showmax using different payment methods (Palmpay and airtime) for the same subscription. The transactions were: - 6500 via Palmpay (initially showed as processing, but I was in a hurry, can’t wait I had to do 4500 via airtime for Entertainment All Device and 3500 via airtime for EPL Device Only - ⁠tho the PalmPay showing processing is now successful but have Already made the subscription through airtime I'd like to request a refund for the payment Please assist with resolving this issue. Thanks! ### 3/5 — Refund *2025-12-15, version 6.20.0* Thank you Palm ### 1/5 — Very bad app *2025-12-14, version 6.20.0* PalmPay is the worst I bought light and they didn’t send me token or even refund the money I hate this app it’s the worst app ### 1/5 — A very terrible and deceitful app *2025-12-08, version 6.20.0* A very terrible app You deducted money from my account for no reason and I’ve been telling you guys to refund me and you didn’t You scammers ### 3/5 — No ecode *2025-12-04, version 6.19.0* I bought a 10$ gift card, i didn’t see the code This is the first time this is happening I have bought so many card but this time there was no code And your customer service is down Please fix this and send me my gift card ecode ### 1/5 — Insurance *2025-12-01, version 6.19.0* You scammers Give me back my money, I don’t know the rubbish you are insuring for me, I never asked for any insurance 😡😡😡😡🤬🤬🤬🤬🤬🤬🤬 ### 1/5 — Not customer friendly *2025-11-30, version 6.19.0* Your loan service is so poor You don’t know the kind of situation that the person is the next thing is to call the person and start cursing he or she ### 2/5 — Debit without refunding *2025-11-26, version 6.19.0* Why is my money being debited and not credited back to my commission, it happened on Sunday and Monday, you guys didn’t return my commission and u debited me, please go through my history and refund my commission ## Most critical reviews (10 lowest-rated) ### 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 ### 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 ### 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 ### 1/5 — Scammers *2026-01-23, version 7.0.1* I have had a very frustrating experience with PalmPay. They have been auto-debiting my account for insurance subscriptions that I did not use, and even after multiple requests, they refuse to stop the deductions. I also requested to close my account, but they keep redirecting me and giving excuses. Customer support is unhelpful and keeps passing you around. I have tried everything, including screenshots of all deductions and formal messages, but the issue has not been resolved. I would caution anyone to be careful with recurring subscriptions and auto-debits on this app ### 1/5 — Bad customer service *2026-01-17, version 7.0.1* Avoid this app for your happiness They never take your complaints serious ## Most praised reviews (10 highest-rated) ### 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 ### 5/5 — Gentle soul *2026-01-09, version 6.21.0* Mafia ### 5/5 — Spend and save *2025-12-18, version 6.20.0* Why is it taking long to upgrade my spend and save ### 5/5 — Luxury69 *2025-12-13, version 6.20.0* Luxury69 ### 5/5 — It not downloading *2025-12-09, version 6.20.0* At all all ### 5/5 — Experience *2025-11-30, version 6.19.0* Everything is working fine. But I am not happy with the way I cannot paste number I copied. I went back to copied the account number more than 10 times yet I cannot paste it on the palmpay app. Because the number won’t appear… That’s really frustrating. I have to write the number down and then type it. That’s the only bad experience….. They will suggest to allow paste from where you copied the account number. Yet the number will not appear even after I press allow paste… Please understand my point and work on that.. Is getting me angry after copying the number countless times.. I have to come here to explain this. It’s the best online banking app to be recommended to everyone. Anyway I give you 5 stars. It’s my favorite online banking app.. ### 5/5 — Bad customer service *2025-11-12, version 6.18.0* I’m so disappointed my account has been suspended for months now I tried reaching out to the customer care service,I was asked to send my ID to their email which I did I have not gotten any response ### 5/5 — I send money to someone they credit me but them never respond the money back to me *2025-11-06, version 6.17.2* I send money to someone they credit me but them never respond the money back to me ### 5/5 — Frustrated *2025-10-28, version 6.17.0* My PalmPay account is Tier 3 and verified, but transfers from other banks show ‘Account verification failed.’ Please help confirm if my virtual account is properly mapped and visible on NIBSS for interbank transfers ### 5/5 — I love this palm pay app *2025-10-27, version 6.16.0* This app is very fast and easy to use this is the best online bank app --- *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.*