I’ve been using PalmPay for about 10 months now, mainly for airtime top-ups, transfers, and occasionally taking small loans. The app interface is clean and very user-friendly. I especially like the cashback rewards and zero transfer fees.
However, while the loan process is fast and convenient (approval usually takes just a few minutes), the interest rates can be a bit high if you delay payment. I once paid a few days late and the penalty added up quickly. Their reminders are very aggressive too, I get multiple daily notifications and even calls, even when I'm not owing. Customer service via the in-app chat is okay, although sometimes responses take hours. Despite that, the app is very reliable and hasn’t crashed or glitched during any transaction.
