How to Open Palmpay Account Without BVN

The use of mobile payment apps has totally transformed the financial management process in the modern day. Palmpay is a widely used mobile payment and financial services platform that facilitates the transfer of funds, the payment of bills, the topping off of prepaid phone accounts, and the purchase of goods and services online.

However, the Bank Verification Number (BVN) is often required when creating a Palmpay account.

But what if you don't have a BVN or prefer not to use it? Is it still possible to open a Palmpay account and enjoy its numerous benefits? The answer is yes! In this blog post, we will explore the steps and alternative methods that allow you to open a Palmpay account without a BVN.

What is Palmpay?

PalmPay is a financial technology startup that provides customers and business owners in Africa with a variety of digital payment options. 2019 marked the beginning of operations for this business. PalmPay operates its businesses in the African countries of Nigeria, Ghana, Cameroon, and Côte d'Ivoire.

PalmPay's services include:

        Transfers of money are made possible for free between users of PalmPay, who can send money to and receive money from one another using PalmPay. Additionally, PalmPay facilitates the transfer of funds to Nigerian bank accounts through its money transfer service.

        Users of PalmPay are able to pay their bills for a variety of services, including utilities, telecommunications, and others.

        Airtime and data: Customers who use PalmPay have the ability to purchase airtime and data for their mobile phones.

Benefits of Opening a Palmpay Account

There are many benefits to opening a PalmPay account. Here are some of the most notable:

        Free money transfers: You can send and receive money from other PalmPay users for free.

        Low fees: PalmPay charges low fees for its services, such as bill payments and airtime top-ups.

        Wide network of acceptance: PalmPay is accepted by a wide network of merchants in Nigeria, Ghana, Cameroon, and Côte d'Ivoire.

        Secure and reliable: PalmPay is a secure and reliable way to make payments. Your personal information is protected by state-of-the-art security measures, and your funds are held in a secure account.

        Rewards program: PalmPay offers a rewards program that gives you points for using the app. These points can be redeemed for discounts, cashback, and other rewards.

        If you are looking for a convenient, affordable, and secure way to make payments in Africa, then opening a PalmPay account is a great option.

        You can access your money from anywhere: With a PalmPay account, you can access your money from anywhere with an internet connection. This means you can make payments, transfer money, and check your balance even when you're not near an ATM or bank branch.

How to open Palmpay Account without BVN

To open a Palmpay account without a BVN, follow these simple guidelines:

Download the Palmpay App: Start by downloading the Palmpay app from either the Google Play Store for Android devices or the Apple App Store for iOS devices.

Launch the App and Sign Up: Once the app is installed, open it and click on the "Sign Up" button to begin the registration process.

Provide Your Personal Information: Fill in the required details, including your full name, email address, and phone number. Ensure that the information you provide is accurate.

Choose a Strong Password: Create a strong and secure password for your Palmpay account. It should be a combination of letters, numbers, and special characters.

Create Your Account: Click on the "Create Account" button to proceed with the registration.

Complete the Account Setup: On the next screen, you may be prompted to provide additional information to finalize the setup of your Palmpay account. Follow the on-screen instructions and supply the necessary details as requested.

BVN Submission (Optional): Once you have successfully logged in, you will be asked to submit your BVN. It's important to note that providing your BVN is optional, but be aware that certain Palmpay features may be limited if you choose not to provide it.

By following these steps, you can open a PalmPay account without the need for a BVN.

However, there are some limitations to using a PalmPay account without BVN. For example, you cannot withdraw money from an ATM or bank, and you cannot make payments to merchants that require BVN verification.

If you want to upgrade your PalmPay account to a Tier 2 account, you will need to provide your BVN. This will allow you to access all of the features of PalmPay, including ATM withdrawals, merchant payments, and bank transfers.

To provide your BVN to PalmPay, you can follow these steps:

        Open the PalmPay app and go to the "Me" tab.

        Tap on "Personal Info".

        Tap on "Bank Verification Number".

        Enter your BVN and click on "Submit".


Can I create a PalmPay account without BVN?

Yes, you can create a PalmPay account without a BVN. However, there are some restrictions on what you can do with your account if you don't have a BVN.

What is needed to open a PalmPay account?

To open a PalmPay account without a BVN, you will need to provide the following information:

        Your full name

        Your date of birth

        Your phone number

        Your email address

        Your residential address

        You will also need to take a selfie and upload it to the PalmPay app

Can I use PalmPay without verification?

Yes, you are able to use PalmPay without any verification being required. If you choose not to verify your account, you will be able to perform certain actions with it; however, these actions will be limited.

What is the highest amount PalmPay can receive?

The highest amount that you can receive in your PalmPay account is NGN1 million.

Can I borrow 100k from PalmPay?

Yes, you can borrow up to NGN100,000 from PalmPay. To do this, you will need to apply for a loan through the PalmPay app. You will need to provide some information about your income and expenses, and you will also need to agree to a repayment plan.

Are my funds and information secure with Palmpay?

Yes, Palmpay takes security seriously and encrypts your financial information to ensure the safety of your funds.


Opening a Palmpay account is a seamless and uncomplicated process. By following the steps outlined in this blog post, you can swiftly create an account and begin using the platform for all your financial transactions.

With its user-friendly features and convenience, Palmpay proves to be an excellent payment platform catering to your diverse needs.

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