PalmPay

**PalmPay App User Guide** Welcome to PalmPay, your trusted financial app for seamless money transfers, payments, and savings. This guide will help you get started and make the most of PalmPay’s features. ### 1. **Getting Started** #### Download and Install - Visit the Google Play Store or Apple App Store and search for "PalmPay." - Download and install the app on your smartphone. #### Sign Up - Open the app and sign up using your phone number. - Follow the prompts to verify your phone number and create a secure password. - You may be asked to provide additional information to complete your profile. ### 2. **Transferring Money** #### Free Unlimited Transfers - On the home screen, tap on the "Transfer" option. - Select the recipient’s bank or financial institution from the list of over 500 supported institutions. - Enter the recipient’s account details and the amount you wish to transfer. - Review the transaction details and confirm the transfer. Your funds will be transferred instantly. ### 3. **Saving with PalmPay** #### Flexible Savings - Tap on the "Savings" tab in the app. - Choose "Flexible Savings" to start earning daily interest up to 20% per annum. - Enter the amount you wish to save and confirm the transaction. - Your savings can be accessed anytime without fees. #### Fixed Savings - For higher returns, select "Fixed Savings" under the "Savings" tab. - Enter the amount you want to lock in and choose the duration. - Confirm the transaction. Your funds will be locked, earning up to 20% per annum. ### 4. **Buying Airtime and Data** #### Airtime Purchases - Go to the "Airtime" section in the app. - Choose your mobile operator (MTN, Airtel, GLO, 9Mobile, or Smile). - Enter the amount you want to recharge and confirm the purchase. - Enjoy a 20% discount on airtime every Tuesday. #### Data Bundle Purchases - Navigate to the "Data" section. - Select your mobile operator and choose the desired data bundle. - Confirm the purchase. You can get up to 50% off on data bundles every day. ### 5. **Bill Payments** #### Pay Bills - Tap on the "Bills" tab in the app. - Select the bill category (e.g., electricity, water, TV subscriptions). - Enter the required details, such as your account number or biller code. - Confirm the payment. PalmPay ensures secure and instant payments. ### 6. **Using PalmPay Rewards** #### Earn Rewards - PalmPay offers various rewards such as cashback, discounts, and coupons. - Check the "Rewards" section in the app to see available offers. - Use these rewards to save money on future transactions. ### 7. **Accessing Loans** #### Apply for a Loan - Go to the "Loan" section in the app. - Choose the loan amount (from N2000 to N500000) and the repayment period (61 days to 6 months). - Review the loan terms, including the interest rate, and confirm your application. - If approved, the loan amount will be credited to your PalmPay account. ### 8. **Managing Your Account** #### View Transaction History - Access your transaction history by tapping on the "Transactions" tab. - Review past transfers, payments, and savings activities. #### Account Settings - Go to "Settings" to update your profile, change your password, or adjust privacy settings. - Ensure your account information is accurate and up-to-date for secure transactions. ### 9. **Security Features** #### Secure Your Account - PalmPay uses advanced encryption to protect your data and transactions. - Ensure that your account is secured with a strong password. - Enable biometric authentication (fingerprint or face recognition) in the "Settings" menu for added security. #### Fraud Protection - PalmPay monitors all transactions to prevent fraud. If you notice any suspicious activity, report it immediately through the app. ### 10. **Getting Help and Support** #### 24/7 Customer Support - Access customer support anytime by tapping on the "Support" tab in the app. - You can chat with a support agent, call the hotline, or browse the FAQs for help with common issues. #### Reporting Issues - If you encounter any problems with the app or your transactions, report them through the "Report an Issue" option in the "Support" tab. By following this guide, you can effectively use the PalmPay app to manage your finances, make payments, save money, and more. PalmPay is designed to be user-friendly and secure, ensuring that all your financial needs are met with ease and confidence.