If you are banking with Access Bank, you can transfer funds, check your balance, buy airtime, open a new account, and do much more using the Access Bank USSD code right from your mobile phone.
It’s fast, easy to use, and works anywhere in Nigeria, even with poor network coverage.
In this 2025 updated guide, we will show you exactly how to use the Access Bank USSD code for your everyday banking needs, step-by-step.
The Access Bank USSD code is *901#; you can use it to perform several banking services directly from your mobile phone without internet access. With just a dial, you can open an account, transfer funds, buy airtime, check your balance, pay bills, and use many other banking services. Below is how you can use the Access Bank USSD code:
How to Open an Account Using Access Bank USSD Code
To open an account or register for USSD banking, simply dial *901*0# on your phone.
- If you don’t have an Access Bank account, you can create one instantly.
- If you already have an account, you can register it for USSD transactions.
You can register using your BVN or manually enter your personal details (name, date of birth). If prompted for your ATM card number but you don’t have one, enter your date of birth in DDMMYYYY format.
Once registration is complete, your account number will be sent to you via SMS, and you can start banking immediately.
How to Transfer Money with Access Bank USSD Code
Transferring money is quick and simple:
- Dial *901*amount*account number#
- Enter your 4-digit USSD PIN to authorize.
Example: To transfer ₦1,000 to account number 1234567890, dial: *901*1000*1234567890#
This works for Access Bank and other Nigerian banks. Older formats like *901*1*amount*account# or *901*2*amount*account# may still work but the current standard is the direct format above.
How to Buy Airtime or Data with Access Bank USSD Code
You can recharge your own phone or someone else’s:
- For self: Dial *901*amount#
- For others: Dial *901*amount*phone number#
Example: *901*500*07012345678#
This method works across all Nigerian networks 24/7.
How to Pay for LCC Toll (Lekki Toll Gate) Using USSD
To pay Lagos-Cotonou toll fees via Access Bank USSD:
- Dial *901*000*522*e-Tag number*amount#
- Follow the prompts to complete payment.
Perfect for frequent travelers who use the Lekki Toll Gate.
How to Check Your Access Bank Account Balance
The correct and up-to-date code to check your balance is: *901*00#, the you enter your 4-digit USSD PIN, and your balance will be displayed.
How to Block or Deactivate USSD Banking
If your phone is stolen or you suspect unauthorized access:
- Quick block: Dial *901*911# from any phone, select “Block Account,” enter your phone and account numbers, then enter your PIN.
- From menu: Dial *901# → Other Services → Opt Out → Block Account
Other USSD Shortcodes
- Reset USSD PIN: Dial *901# → Other Services → Reset PIN or *901*0#
- Retrieve BVN: Dial *901*6#
- Update BVN: Dial *901*61#
- Block debit card: Dial *901*7#
Access Bank USSD Service Fee
Each USSD transaction costs ₦6.98, deducted from your airtime balance.
See Also: Top 10 Loan App That Gives ₦50,000 Instantly in Nigeria (2025 Reviews)
How to Transfer to Other Bank Accounts
Dial *901*amount*account number#, then enter your PIN.
Example: *901*5000*0987654323#
How to Increase USSD Transfer Limit
Default limit: ₦20,000 per transaction. To increase:
- Complete KYC – Submit valid ID (NIN), BVN, and utility bill.
- Visit a branch – Request a token or higher limit.
- Use AccessMore app – Allows higher limits and more flexibility.
Troubleshooting – If USSD Code is Not Working
- Use your registered phone number.
- Ensure mobile network coverage.
- Have enough airtime (minimum ₦6.98).
- Reset or re-register your USSD profile.
How to Use Access Bank USSD Code Without an ATM Card
- Open an account by dialing *901*0# – use BVN or enter details manually.
- Set a USSD PIN using your date of birth instead of card number.
- Open an Access Money Wallet via *901*10# using BVN or NIN.
- Works on all phones, no internet required.
This is a complete 2025 guide to the Access Bank USSD code (*901#), the easiest way to enjoy banking services without internet access.
