Access Bank USSD code

Are you tired of waiting in long queues or using complicated banking apps? Access Bank, one of Nigeria’s leading financial institutions, has introduced Access Bank USSD code a solution that allows you to access various banking services right from your mobile phone.

With the Access Bank USSD code, banking has never been easier or more convenient. In this article, we will explore all you need to know about the Access Bank USSD code.

Access Bank

Access Bank is a well-known Nigerian commercial bank noted for its innovative financial products and outstanding customer care services.

It provides individuals, enterprises, and corporate organizations with a comprehensive range of financial products and services. Access Bank is dedicated to making banking more accessible and user-friendly by utilizing technology.

What is a USSD Code?

USSD  which stands for Unstructured Supplementary Service Data Codes is a type of communication technology that mobile network providers employ to give rapid and simple access to a variety of services.

It enables customers to engage with a service provider’s computer system via a series of basic menu selections presented on the screen of their mobile phone.

Banks, telecommunications firms, and other service providers frequently employ USSD codes to give simple self-service choices to their consumers.

Advantages of Using Access Bank USSD Code

Accessibility and Convenience

Access Bank’s USSD code offers unrivalled ease and accessibility. It enables you to do financial transactions at any time and from any location, without the requirement for an internet connection or a smartphone. All that is required is a basic mobile phone, making it a great alternative for individuals living in rural regions or without access to smartphones or the internet.

Account Balance Inquiry

With the Access Bank USSD code, checking your account balance is a breeze. Simply dial the USSD code, follow the prompts on your screen, and within seconds, you will receive a message containing your current account balance.

Fund Transfers

Transferring money to another Access Bank account or any other bank in Nigeria has never been easier. The USSD code allows you to send money quickly and securely, without the need to visit a bank branch or fill out complex forms. Just enter the recipient’s account details, the amount you want to transfer and authorize the transaction with your unique USSD PIN.

Purchase of Airtime and Data

Running out of airtime or data can be inconvenient, especially if you need to make an urgent call or connect to the internet.

You can effortlessly top up your airtime or purchase data bundles directly from your bank account using the Access Bank USSD code. It’s quick and easy, and it saves you the trouble of buying real recharge cards.

Payment of Bills

The days of standing in huge lines to pay bills are over. The Access Bank USSD code enables you to pay bills such as energy, water, cable TV, and others from the convenience of your own home or business. Simply choose the bill payment option, provide the required information, and confirm the transaction. It’s that easy!

Cardless Withdrawals

Have you left your ATM card at home? Not a problem! You may use the Access Bank USSD code to withdraw cash from any Access Bank ATM without a physical card. Simply produce a withdrawal code with the USSD code, enter it at the ATM, and get your money. It is a more convenient and secure option than traditional card-based purchases.

Instant Banking Services

Access Bank provides instant banking services. In addition, the USSD code provides a variety of rapid banking services, such as opening a new account, getting a small statement, changing personal information, and more. These services save you time and effort while delivering a convenient banking experience on the road.

How to Register for Access Bank USSD Code

In order to utilize the Access Bank USSD code for your banking needs, you will require the following details for registration:

  • Your Access Bank account number, which consists of 10 digits.
  • The last six digits of your Access Bank debit/ATM card.
  • The SIM card that is linked to your Access Bank account. Typically, this is the phone number you provided when opening the account.

Once you have gathered all of this information, you are ready to experience the convenience of mobile banking!

How to Activate Access Bank USSD Code Service

To activate your Access Bank USSD code, follow the step-by-step instructions below, ensuring that you have met all the previously mentioned prerequisites:

  • On your mobile phone and dial *901# using the phone number linked to your Access Bank account.
  • Select option 2 for “Transfer” from the menu options provided.
  • You will be prompted to enter the last six digits of your Access Bank debit/ATM card. If you do not possess an active debit card, you will be asked to enter your date of birth instead.
  • Next, input your 10-digit Access Bank account number when prompted.
  • You will be asked to create a 4-digit PIN. Choose your desired 4-digit PIN and confirm it to authorize the transaction.
  • Once you have completed all these steps successfully, your Access Bank USSD code will be activated, allowing you to transfer funds, purchase airtime, and make bill payments.

Now that your Access Bank USSD code is activated, you can enjoy the convenience and ease of banking through this user-friendly mobile service.

How To Register Access Bank Transfer PIN

Your transfer PIN consists of a 4-digit number, which can be any digit ranging from 0 to 9. To create your PIN, you can simply follow the aforementioned procedures outlined above.

By setting up your personalized 4-digit PIN, you will have secure access to conduct your banking transactions seamlessly.

How to reset Access Bank Transfer PIN

To change or reset your Access Bank transfer PIN, follow these steps using the phone number associated with your Access Bank account:

  • Dial *901# on your mobile phone.
  • Select option 4 from the menu.
  • Enter your old transfer PIN.
  • Enter your new transfer PIN and confirm it.

By following these steps, you will successfully change your Access Bank transfer PIN.

Access Bank transfer code

To transfer money from an Access bank account to another Access bank account or to another Bank follow the method stated below

For transfers to another access bank account

To initiate a transfer,

  • Dial *901*Amount*Recipient’s Account Number#,
  • Confirm the recipient’s details,
  • Enter your 4-digit transfer PIN, and wait for the response via onscreen display and SMS.

Transfer from Access Bank to another bank

To Transfer from Access Bank to another bank,

  • Dial *901*2*Amount*Recipient’s Account Number#.
  • Select the recipient’s bank name from the provided list.
  • Confirm the details.
  • Enter your 4-digit security PIN for authentication, and receive a notification and debit alert SMS to confirm the successful transaction.

When transferring funds to other Access Bank accounts, a service fee of ₦20 applies, while transferring to accounts in other banks incurs a charge of ₦50 + ₦2.50 (including VAT).

The maximum daily transfer limit using the USSD code is N100,000 (N20,000 per transaction), and for airtime recharge, the daily maximum limit is N20,000.

How To Deactivate Access Bank Transfer Code

If your mobile transfer is compromised or if your phone/SIM card is stolen, you can protect your money by deactivating your Access bank transfer service.

To deactivate,

  • Simply dial *901*911# from any phone number,
  • Enter the registered phone number you wish to deactivate,
  • And your USSD profile will be automatically deactivated.

Access Bank customer care

To get in touch with Access Bank customer care and to speak with their presentative call this number 01 280 2500 which is their official customer care number.

Access Bank USSD code for balance checking

To check your account balance using the Access bank USSD code dial *901*5#.

Access Bank USSD code for account number

To check your account number using the Access Bank USSD code dial *901#.

Access Bank USSD code to buy airtime for self

Dial *901*Amount# to buy airtime for yourself from your Access Bank account.

Access Bank code to buy airtime for others

From your registered sim dial *901*Amount*Phone Number# to buy airtime from your Access Bank balance to another phone number.

Access Bank USSD code for loan

For loan applications from Access Bank dial *901*11# to access the option for a loan.

Read also USSD codes for Loans in Nigeria

Access Bank code for checking BVN

To check your BVN dial *565*0# from your registered SIM and your BVN will be shown to you through text.

Frequently Asked Questions (FAQs)

What is the Access Bank USSD code?

The Access Bank USSD code is *901#. It allows you to access various banking services on your mobile phone, including balance inquiries, funds transfers, bill payments, and more.

How do I register for Access Bank USSD code?

To register for the Access Bank USSD code, dial *901# on your mobile phone and follow the prompts to complete the registration process.

Is it safe to use the Access Bank USSD code?

Yes, using the Access Bank USSD code is safe. However, it’s important to keep your PIN confidential, be vigilant against scams, and report any suspicious activities to the bank.

Can I transfer money to other banks using the USSD code?

Yes, you can transfer money to other banks in Nigeria using the Access Bank USSD code. Simply select the funds’ transfer option and enter the recipient’s bank account details.

What do I do if I forget my USSD code PIN?

If you forget your USSD code PIN, contact Access Bank’s customer service immediately. They will guide you on the necessary steps to reset your PIN and regain access to your account.


To avoid the inconvenience of lining up the bank for a long the Access bank USSD code for mobile banking has provided a very convenient means to carry out your financial transaction.

Furthermore, this article covers all you’ll ever need to know to enjoy a flawless mobile banking experience.

From transferring payments to checking your Access Bank account balance, purchasing airtime/data, paying bills, applying for loans, and so much more!

This tutorial, I believe, has proven to be an excellent resource for your Access Bank mobile banking experience.

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