Palmpay OK Card, How to Repay, Deactivate and Unfreeze Account

Palmpay is a leading financial technology company that offers a range of digital payment solutions. One of its popular offerings is the Palmpay OK Card, a prepaid card that allows users to make payments, withdraw cash, and enjoy various benefits.

In this article, we will explore what the Palmpay OK Card is, how to repay it, deactivate it, and unfreeze the account if needed. So, let's dive in!

What is Palmpay OK Card?

The PalmPay OK Card is described as a digital financial feature that enables qualified users to buy now and pay later. This feature takes the shape of a little loan with no interest as long as the user repays on time.

If a consumer fails to make timely repayments, reasonable interest charges will be imposed.  Please keep in mind that because this function does not include an ATM card, the monies can only be utilized within the app. 

How To Deactivate Your PalmPay OK Card

If your PalmPay OK Card loan is past due, you may receive reminders and notifications. If these reminders bother you, you can turn them off by following the instructions below:

        Launch the PalmPay app on your smartphone.

        On the homepage, select the "Finance" option.

        Locate and click on the hamburger icon in the top right corner of the page.

        Select "Deactivate OK Card" from the list.

        Please keep in mind that you must have made a repayment on your OK Card loan before this deactivation will take effect.

NOTE: If this doesn't work, you can always contactPalmPay for help.

How Do I Repay My PalmPay OK Card?

If you want to know how to repay your Palmpay Ok card, then follow the steps below:

        Install the PalmPay app on your phone.

        Under the service section, select the "OK Credit" option.

        A page with your credit limit, available amount, and current outstanding balance will appear.

        The amount you must repay is your current outstanding debt.

        Click "Repay" and then choose your desired repayment option.

        Your PalmPay credit limit will be increased after your payback is completed. 

How To Unfreeze PalmPay OK Card

PalmPay has recently begun locking the OK Cards of consumers who fall behind on their payments. The Palmpay Ok card can also be unfrozen. The following are the steps to unfreeze your Palmpay Ok card today:

        Continue to use the PalmPay app to make payments.

        Pay off any outstanding debts.

        Contact PalmPaycustomer service for assistance. 


How do I activate my OK card?

Get the Palmpay app from the App Store, then either sign up for an account or enter your existing details. Go to the OK Card page and press the "Activate" button. To activate, please follow the on-screen prompts. You can begin making purchases with your OK Card as soon as you activate it.

How do I pay my debt on PalmPay?

Follow the procedures below to repay your PalmPay loan:

        Launch the PalmPay app on your mobile device, and then sign in to access your account.

        Next, locate the "loan repayment" tab on the dashboard and click on it.

        Simply choose your method of repayment from the drop-down menu after clicking on the tab. You have the option of making a bank transfer or using an ATM.

What happens if you borrow money and don't pay it back?

If you don't pay back a personal loan, you put yourself in danger of experiencing a variety of unfavorable consequences, such as incurring fees and penalties, having your account turned over to collections, being the target of legal action, and experiencing a significant reduction in your credit score.

What is an okay card on PalmPay?

The Palmpay OK Card functions similarly to a loan. It is intended to give consumers access to rapid loans without requiring collateral or a credit check. However, it is vital to note that there are fees associated with the loan, and users must repay the loan on the first and sixteenth of each month.

Can I use my PalmPay QR card to withdraw money?

PalmPay provides their customers with a free physical card that includes a card number called the QR Card. Additionally, it is linked to the PalmPay account that you have. With this card, you can withdraw money from your PalmPay app, deposit money into your PalmPay app, and transfer money to another app!

What is the highest amount a PalmPay account can hold?

Without a BVN, the most that can be kept in a PalmPay account is N300,000 (three hundred thousand Nigerian naira). If there is a sum on your PalmPay account that is greater than this, you won't be able to access it unless your BVN is linked to the account.

Can I borrow 100k from PalmPay?

Once your application for a PalmPay loan is granted, the funds will be deposited into your bank account without delay. If you make timely payments, however, you can increase your initial borrowing limit of N100,000.

Can I have two PalmPay accounts?

You are only allowed to link up to two of your Virtual Account Numbers to your PalmPay Account.

How do I contact PalmPay customer service?

Please send an email to [email protected] and call 018886888 if you need to get in touch with them. 


Finally, the PalmPay OK card is a digital financial feature that enables eligible users to purchase now and pay later via the PalmPay app.

Repayment is interest-free if completed on time; otherwise, normal interest charges will apply. If there are overdue reminders, the OK card can be canceled, and payback is performed through the app's service area.

Customers can also unfreeze their accounts by paying off all outstanding bills, using the app again, and contacting customer service for assistance. Withdrawing funds from an OK card to a bank account is possible via the previously stated third-party sites.

Customers can easily manage their PalmPay OK card and enjoy the benefits it provides by following the step-by-step guide offered.

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