How To Upgrade Your PalmPay Account Easily 

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How To Upgrade Your PalmPay Account Easily 

Upgrading your PalmPay account is a simple process that can provide you with access to enhanced features, increased transaction limits, and exclusive services.

In this article, I will guide you through the steps to upgrade your PalmPay account to Tier 2 and Tier 3, enabling you to make larger transactions and enjoy greater financial flexibility.

PalmPay Account Tiers and Their Limits

Before you dive into the upgrade process, let’s briefly understand the different tiers and their corresponding limits. Details about the tiers are as follow:

Tier 1: This is the default account level after registering on PalmPay. 

It allows transactions up to N50,000 per day, with a balance limit of N300,000. 

Tier 1 is ideal for basic financial transactions and everyday use.

Tier 2: Upgrading to Tier 2 raises the daily transaction limit to N200,000 and increases the balance limit to N500,000.

Tier 2 is suitable for individuals who require higher transaction limits and want to maintain a more substantial balance in their PalmPay account.

Tier 3: This tier offers a substantial transaction limit of N5,000,000 per day, with no upper balance limit. 

Users at Tier 3 can engage in high-value transactions and enjoy unlimited financial management. 

Tier 3 is ideal for individuals or businesses with extensive financial needs.

Now let’s how to upgrade Palmpay account easily.

How To Upgrade Your PalmPay Account Easily 
How To Upgrade Your PalmPay Account Easily

How to Upgrade PalmPay Account Easily To Tier 2

To upgrade your PalmPay account to Tier 2, you will need your Bank Verification Number (BVN). Follow these steps:

  • Log in to your PalmPay app using your credentials.
  • Tap on the profile icon located at the top-left corner of the app to access your profile settings.
  • Scroll down and select “KYC Level” to view your current account tier.
  • Under the Tier 2 section, click on the “Upgrade” button.
  • Confirm that your name is correct and proceed to enter your BVN.
  • Enter your BVN and click “Confirm” to initiate the verification process.
  • Choose your preferred BVN verification method. You can either opt for the One-Time Password (OTP) method or verify using your personal information, such as your date of birth.
  • If you choose the OTP method, enter the OTP sent to your registered phone number. If you prefer personal information verification, provide the necessary details as prompted.
  • Follow the instructions and complete the upgrade process.

By following these steps, you will successfully upgrade your PalmPay account from Tier 1 to Tier 2, increasing your transaction limit to N200,000 per day and your balance limit to N500,000. 

Read: How To Upgrade Your Opay Account Easily

This upgrade provides you with more flexibility in managing your finances and performing larger transactions.

How to Upgrade PalmPay Account Easy To Tier 3

To upgrade your PalmPay account to Tier 3, you must first upgrade to Tier 2 and gather the required documents. Here’s what you need:

Upgraded Tier 2 account: Ensure that you have successfully upgraded your account to Tier 2 before proceeding to Tier 3.

Read: How To Block Moniepoint Account When Phone Is Stolen

Proof of Identification: Prepare a valid international passport, driver’s license, voter’s card, or national ID card. 

Ensure that the document is clear and legible.

Gather utility bills or bank statements that are not older than three (3) months. 

These documents should demonstrate your current address and can include electricity bills, water bills, or bank statements. 

Ensure that the documents clearly display your name and address.

Passport Photograph or Portrait Picture: Have a clear picture that clearly shows your face ready for upload. 

The photograph should be recent and meet the specified requirements.

Once you have these requirements, follow these steps to upgrade to Tier 3:

  • Log in to your PalmPay account using your credentials.
  • Tap the profile icon at the top-left side of the app to access your profile settings.
  • Scroll down and select “KYC level” to view your current account tier.
  • Under the Tier 3 section, click on the “Upgrade” button.
  • Follow the instructions to upload the required documents and photographs.
  • Upload the front side of your ID card, ensuring that all details are visible and legible.
  • Upload a clear picture that displays your face, meeting the specified requirements.
  • Upload a clear picture of your utility bill or bank statement, ensuring that it is not older than three (3) months and clearly displays your name and address.
  • Review all the uploaded documents and photographs to ensure they meet the specified requirements.
  • Submit your upgrade request.

PalmPay will review your request, and within 72 hours or longer, your account will be upgraded to Tier 3 if all the documents and photographs meet the requirements.

The review process may take some time, so please be patient. 

Once your upgrade request is approved, you will receive a notification confirming your new Tier 3 status.


Upgrading your PalmPay account to Tier 2 and Tier 3 unlocks a range of benefits, including higher transaction limits and limitless account balances. 

By following the step-by-step instructions provided in this article, you can easily upgrade your PalmPay account and enjoy a more comprehensive and convenient financial experience. 

Remember to gather the necessary documents and photographs before initiating the upgrade process to ensure a smooth and successful upgrade. 

Upgrade your PalmPay account today and take advantage of the increased flexibility and features available at higher tiers.

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