Banking services

PalmPay Login with Phone Number, Email, Online Portal, Website

PalmPay is a fintech company that offers quick, secure, and affordable payment solutions through an innovative mobile app. With PalmPay, users can send and receive money, pay bills, top-up airtime, make cardless withdrawals and so much more.

To enjoy all the benefits of PalmPay, you need to sign up and create an account. PalmPay offers different options to log in – via phone number, email, or directly through their website/online portal.

In this post, we discuss the step-by-step process of logging into your PalmPay account using these different methods. Whether you are logging in for the first time or a returning user, this guide will walk you through the simple process.

Login with Phone Number

Logging in with your phone number is the easiest and fastest way to access your PalmPay account. Follow these simple steps:

1. Launch the PalmPay app on your mobile device. This can be downloaded from the Android or iOS app stores.

2. On the login screen, enter your registered mobile number. Make sure to include the country code if you used an international number to open the account.

3. Tap on “Continue” or “Next”. A 6-digit OTP (one-time password) will be sent to the phone number entered.

4. Input the OTP received and click verify.

5. If prompted, create a unique 4-digit transaction PIN to secure your account. This PIN will be required for future logins and for confirming transactions.

6. And that’s it! Upon verification, you will be logged in to your PalmPay account dashboard.

The verification OTP is usually valid for a few minutes. If it expires before input, you may need to request a fresh OTP by starting the login process again.

Compared to other methods, logging in with your mobile number enables faster access if you often use your phone for PalmPay. It is also more secure as the OTP provides an extra authentication layer to prevent unauthorized access.

Login with Email

You can also log in to your PalmPay account by providing the email address used during sign-up. Here is a step-by-step guide:

1. Launch the PalmPay app or visit the PalmPay website

2. Tap on the ‘Login’ icon or page

3. Enter your registered email address

4. Click ‘Continue’ or ‘Next’

5. Check your email inbox for the 6-digit OTP sent by PalmPay

6. Input this OTP code and tap ‘Verify’

7. Create your transaction PIN if you haven’t already

8. Your PalmPay account dashboard will then open

The email OTP verification helps combat fraud and ensures your account stays protected. As long as you have access to your registered email, logging in this way is pretty straightforward.

However, compared to using a phone number, it takes slightly longer to receive and enter the OTP. But on the upside, there is no limit on login attempts with the email method.

Login via PalmPay Website

In addition to the mobile app, you can log into your PalmPay account directly through their official website. Follow these instructions to log in online:

1. On your internet browser, access the PalmPay website –

2. Click on the ‘Login’ option at the top right corner of the homepage

3. A login popup will appear. Here, enter the email address or phone number used to open your PalmPay account

4. Click ‘Continue’

5. Input the 6-digit OTP sent to your email or mobile number

6. Enter your transaction PIN if prompted

7. Click on ‘Verify’. This will log you into your PalmPay account online.

The online process is very similar to the app. The benefit of logging in through the website is being able to access your account dashboard and certain services like support on a computer.

But without the app, you can’t make payments and transfers. So typically, you’d log in online to check statements or personal information while using the app for transactions.

Troubleshooting Login Issues

Despite the simple login process, you might sometimes encounter issues accessing your account. Here are tips to troubleshoot common PalmPay login problems:

Forgotten PIN

If you forget your transaction PIN, tap the ‘Forgot PIN?’ option during login and reset it using your security questions or OTP confirmation.

Invalid login details

Ensure you are using the correct registered phone number, email, or password entered during signup. If the details are right, contact PalmPay.

Expired OTP

OTP codes expire after a few minutes. Try requesting a fresh OTP by starting the login flow again.

Verification errors

If you experience failed OTP verifications, check for typos when entering the codes. Also, confirm your internet connection is stable.

Account suspension

You may need to contact PalmPay support if your account gets temporarily or permanently suspended due to violations of terms etc.

Getting login error messages?

Start by checking the PalmPay system status. If they have no issues, try restarting your device or using another phone/network.

By taking the appropriate troubleshooting measures, you can easily resolve login problems with your PalmPay account. Don’t hesitate to reach out to their support channels if problems persist.

Contact PalmPay Support

PalmPay prioritizes customer satisfaction by providing multiple mediums for queries and complaints.

If you face any challenges logging in, making payments, or other processes, here are the main support channels to reach the PalmPay team:

• In-app support chat
• Direct message via social media – Twitter, Facebook, Instagram
• WhatsApp message – +234 903 000 1202
• Email –
• Phone/Call – 0700 725 2627

Based on the issue, you will be assisted by their customer care agents.

Stay Protected From Fraud

While PalmPay security is solid, users also need to take measures to avoid account hacks or app fraud. Here are some tips:

• Avoid jailbroken devices. Use official mobile devices and operating systems.
• Don’t click suspicious links to avoid phishing.
• Keep transaction PIN secret and change it often
• Use device passcode/biometrics for extra security
• Monitor account for unauthorized activities
• Report scam attempts and messages
• Keep the PalmPay app, device OS, and anti-virus software updated.

By taking basic precautions, you can stay safe from the threat of cybercrimes. Report any suspected fraudulent activity for resolution by the PalmPay team right away too.

Frequently Asked Questions

How do I reset my PalmPay login PIN?

You can reset your 4-digit login PIN through the app or website. Go to ‘Profile’, tap ‘Reset PIN’, and follow the prompts to create a new one.

I have an old/new number. How do I update my registered mobile number?

Login via email OTP, go to Profile > Contact Details, and change to your new phone number. Receive the verification OTP on the new number to confirm the change.

What happens if I enter the wrong PIN multiple times?

After 5 wrong PIN attempts, your account will be suspended for 24 hours as a security measure before you can reset your PIN.

Is PalmPay login safe and secure?

Yes, PalmPay utilizes encryption, OTP, PIN, and other measures to keep your account and money safe and prevent unauthorized access.

I lost my phone. How can I still log into my account?

If you registered an email with your PalmPay account, you can log in successfully with your email address instead until you restore access to your number.

Can I use PalmPay without verifying my account?

No, you must verify either via OTP or BVN before you can fully use PalmPay services. Verification helps combat fraud.

Are my login details stored by PalmPay?

No, PalmPay has a strict privacy policy and does not store user login credentials. These are only accessible to you.


PalmPay offers users convenience for transfers, payments, and more financial services via mobile apps powered by the latest technology.

You can log into your PalmPay account using three main methods – phone number, email address, or directly through the website portal. After entering your registered details, an OTP is used to authenticate access before opening your account dashboard.

While the login process is quick and simple, it pays to remember your details as well as take note of the troubleshooting tips covered in this guide. Reach out to PalmPay customer support if any challenges are faced during login or account usage.

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