Access Bank USSD code is *901#. It offers fast, secure, and easy way to access several banking services direct from your mobile phone. With just a dial on your phone, you can open an account, make transfers, buy airtime, check your balance, pay bills, and use many other banking services without internet access.
How to Open an Account Using Access Bank USSD code
You can open an account or register for USSD banking by dialing *901*0# on your phone. This code allows you to open a new Access Bank account (if you don’t have one) or register your existing one for USSD transactions.
You may decide to register using your Bank Verification Number (BVN), or you may choose to enter your personal details, such as name and date of birth, manually.
If you want to activate Access Bank USSD on your account, you may be required to enter your ATM card number. If you don’t have an ATM card yet, you can enter your date of birth in the format day, month, and year.
Once you complete your registration, you will receive a new account number via SMS, and then you can start banking immediately.
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How to Transfer Money with Access Bank USSD Code
To transfer money with Access Bank USSD code is simple and straightforward. You begin with dialing *901* on your mobile phone, then you enter the amount you want to send, and then the recipient’s account number.
For example, to transfer one thousand naira to account number 1234567890, just dial *901*1000*1234567890#. Then you will be asked to authorize the transaction with your four-digit USSD PIN.
This same method is used whether you’re making a transfer to another Access Bank account or to any other bank in Nigeria.
Older formats like *901*1* amount* account# or *901*2*amount* account# may still work in some cases, but the current standard is the direct format with just the amount and account number.
How to Buy Airtime or Data Using Access Bank USSD code
With Access Bank USSD code service, you can recharge your own phone or someone else’s easily. To recharge your own line, simply dial *901# followed by the amount. For example, to recharge one thousand naira airtime, you should dial *901*1000#. And if you want to recharge it for a friend or family member, dial 901, then the amount, followed by the recipient’s phone number.
For example, *901*500* 07010474501#, 500 naira worth of airtime will be send to that number. This same method works across all networks in Nigeria and is available 24/7.
How To Pay for LCC Toll (Lekki Toll Gate) Using Access Bank USSD Code
You can pay for LCC Toll using Access Bank USSD code service, to pay for your Lagos-Cotonou toll fees do this, dial 901, then 000, then 522, followed by your e-Tag number and the amount you intend to pay. Then follow the options to complete the transaction. This is a perfect option for frequent travelers who use the Lekki Toll Gate.
How to Check Your Account Balance
You can check your Access Bank account balance using the USSD code and is simple and convenient; to check balance just dial *901*00# from the mobile number that is already linked to your account. Then you’ll be asked to enter your four-digit USSD PIN, after which your account balance will be displayed on your screen.
NOTE: *901*5# is not the correct code, the correct and most up-to-date code for checking your balance is *901*00#.
Blocking or Deactivating USSD Services
If you lost your phone, or if you suspect unauthorized activity on your account, you can immediately deactivate your USSD profile by dialing *901*911# from any mobile phone. Then Click on the option to block your account, then enter your phone number and account number, and you will be require to enter your USSD PIN to authorize the action.
Or, you can go through the standard menu by dialing *901#, from the menu you select “Other Services,” then “Opt Out,” and choosing the “Block Account” option. This option will protects your account and prevents unauthorized access to your funds.
Other USSD Services and Shortcuts
Access Bank USSD code offers a wide range of other helpful services. If you forget your USSD PIN, then you have no reason to panic. You can reset it by simply dialing *901# and then selecting “Other Services” followed by “Reset PIN.” You can also use the registration code *901*0# to access the reset option.
To retrieve your Bank Verification Number (BVN) using Access bank USSD code, dial *901*6#, and if you need to update your BVN details, use “901*6*1#.
You can block your debit card and prevent all debit transactions on your account by dial *901*7#. These features give you full control over your account without visiting any bank branch.
Access Bank USSD Service Fees
Access bank USSD service charge is N6.98 naira, this amount can be deducted from your airtime balance, so make sure your line has enough credit before starting a transaction. This fee applies to transfers, balance inquiries, and other service requests you make via the USSD platform.
How to Transfer Funds to Other Bank Accounts Using Access Bank USSD Code
To transfer money to other bank accounts using Access Bank USSD code, dial *901*, followed by the amount you intend to send and the recipient’s account number. This is the method used to make transfers to other banks in Nigeria.
For example, if you want to send ₦5,000 to a different bank account, you need to dial: *901*5000*0987654323#, then you will need to enter your PIN when asked to authorize the transaction.
There are older methods too, you can use different formats like *90*1* followed by the amount and account number for Access Bank or *901*2* followed by the amount and account number for other banks, the current and official method is this single format: the amount you intend to transfer followed by the account number, regardless of the bank you are sending money to.
How to increase transfer limit on Access Bank USSD code
By default, the maximum amount you can transfer in a single USSD transaction is ₦20,000, and if you try to send more than this, your transaction may be blocked.
As a security measure, Access Bank (as well as other commercial banks in Nigeria) places default transaction limits on all transfers made using the USSD code service; this means there are restrictions on how much you transfer.
However, if you want to transfer higher amounts, you need to increase the transaction limit by simply following these few steps below:
1. Complete KYC
If you are using a basic or an unverified Access Money wallet, your daily transfer limits could be as low as ₦3,000 to ₦30,000. But you can increase your transaction limit by completing your Know Your Customer (KYC) process.
This section involves providing a valid form of identification such as a government-issued ID (NIN), and a utility bill in order to verify your address.
And once your profile is verified and is linked to a full Access Bank account, your limits will significantly increase.
Access bank verified customers can transfer up to ₦100,000 per transaction and enjoy a daily transfer cap of ₦1,000,000. This will upgrade you to a higher service tier and allow smoother and more flexible banking.
2. Visit an Access Bank Branch
If your account is already verified but you notice you are still restricted to the basic ₦20,000 limit per transaction, you may need to visit Access Bank branch to request a limit upgrade.
For instance, you can request a transaction token from any access bank branch in order for you to authorize higher-value transactions.
Also, full Access Bank account holders can request increased USSD limits or qualify for special access privileges by meeting certain requirements at the bank.
3. Use the AccessMore App
While this guide focuses on Access Bank USSD services, it is also worth mentioning that AccessMore (the bank’s official mobile app) is more commendable; the app allows higher transaction limits and offers more flexibility than the USSD platform.
By using the AccessMore app, you can easily make large transfers conveniently, set custom limits, and also manage multiple accounts with ease.
So if you frequently make high-value transfers, then the AccessMore app is just what you need, so switch to the app and enjoy a better experience.
To increase you Access Bank USSD transfer limit, you’ll need to upgrade your account or your wallet profile by linking your BVN, verifying your identity, or using AccessMore app.
How to Check Your Access Bank Account Balance Using USSD
To check your Access Bank account balance is easy and simple, you just dial *901*00# from the phone number that is linked to your account. Then you’ll be asked to enter your four-digit USSD PIN. After authentication, your current account balance will be displayed on your phone screen.
This service is available 24 hours a day, 7 days a week, and works on all types of phones even with basic feature phones. It also supports all Access Bank accounts linked to the phone number you’re using.
What to do if Access Bank USSD code not working
If your Access Bank USSD service is not responding or works as expected, there are some common issues that could be the reason. Here are the step-by-step guide on how you can troubleshoot and resolve the issues:
1. Make sure you use the Registered Phone Number
To make access bank USSD code works, make sure you’re dialing it from the phone number that is linked to your Access Bank account. If you’re dialing it from another line, most of USSD service will not be accessible.
2. Check Your Network Connection or Service Status
Sometimes you may experience difficulties using the USSD service because it may be temporarily unavailable due to mobile network disruptions or system maintenance. If you don’t have mobile network at all in you line, then Access Bank USSD code service will not work. You need to check and confirm you have full mobile network in your line before you try again. Another issues is banks may experience temporary disconnections of USSD service if there are unresolved network-related fees with telecom providers.
If the USSD code is not working at all, then try to wait for a while, and you can also contact Access Bank to confirm if there’s a known service disruption.
3. Make Sure You Have Airtime
Each USSD transaction always requires a small airtime balance to cover the standard network charge of ₦6.98. So if you don’t have enough airtime, the session is very likely to fail. So whenever using the USSD service code, ensure your line has a little credit before trying again.
4. Reset or Re-Register Your USSD Profile
If you use the correct number (the number that is already linked to your Access Bank account) but you are still facing issues such as an incorrect PIN error, you may need to reset your USSD PIN. To do this, dial 901 with your mobile phone, the menu will pop up, click Other Services, and then select Reset PIN. You can also dial *901*0# and follow the prompts. You would be asked to enter your date of birth, after which you can create a new 4-digit PIN.
Lost Phone or Suspected Fraud
If your mobile phone is stolen or you suspect that someone else has access to your USSD profile, you can immediately block your account by dialing *901*911# from ANY phone. Then you carefully follow the prompts to deactivate your USSD access and prevent unauthorized transactions. After that, you can contact Access Bank customer service to report the incident and secure your account.
Contact Customer Support
If you try all the step-by-step guides and still none of these steps solve the issue, then you can reach out to Access Bank’s customer service. You can call their hotline at 0700 2000 000, or you may choose to use the live chat feature that is available on their official website.
After hearing your complaint, their support agents can verify your USSD registration status and also guide you through resolving any problems with your Access bank account.
How to Use Access Bank USSD Code Without an ATM Card
You don’t need a debit (ATM) card before you can access the Access Bank USSD banking services.
Whether you are a new customer or you do not yet have a physical card, you can still open an account, set a PIN, and perform transactions right from your mobile phone.
1. Open an Account by Phone
To begin, dial 901 0 and follow the instructions displayed on your screen. You may choose to register using your Bank Verification Number (BVN) or manually by filling in your personal details, such as your full name, address, and date of birth. Once you complete the process, your new account number will be sent to you via SMS.
With the Access Bank USSD platform, there is no need to visit the bank branch. The entire process takes just a few minutes and works on all types of phones. And no minimum deposit is required to open the account.
2. Set Your USSD PIN Without a Card
As part of the registration, you’ll be asked to create a 4-digit USSD PIN. If you don’t have an ATM card, you can simply enter your date of birth in the format DDMMYYYY when asked for card details. The system will automatically use this to verify your identity and activate your USSD profile.
Once completed, this 4-digit PIN will be used to authorize all future transactions on your account.
3. Open an Access Money Wallet
If you wish, you can choose to open an Access Money mobile wallet; this is a prepaid account that does not require a traditional bank account. To open an Access Money mobile wallet, just dial 901 10 and click on the option to open a wallet using your BVN or NIN. This wallet allows you to send and receive money, make payments, and carry out basic transactions.
You can link this wallet to a full Access Bank account later to increase your transaction limits and unlock more features.
4. No Smartphone Required
All the services mentioned in this article work entirely through the USSD platform, which means you do not need a smartphone or internet connection to enjoy them. Whether you are using a basic feature phone or a modern device, simply dial 901 from your registered mobile number and follow the instructions that will appear on your screen, and there you go.
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