The Access Bank USSD code (901#) gives you access to everyday banking from your registered mobile number. Use the Access Bank transfer code to send money, buy airtime and data, check your account balance, pay bills, request account services, access eligible loans and manage your account without mobile data or Wi-Fi. This guide explains every Access Bank code, activation steps, charges, transfer limits, PIN management, and the latest *901# banking services.
Access Bank USSD Codes at a Glance
| Banking Service | USSD Code |
| Access Bank USSD menu | *901# |
| Transfer money | *901# |
| Buy airtime (self) | *901*Amount# |
| Buy airtime (others) | *901*Amount*PhoneNumber# |
| Check account balance | *901*00# |
| Open an account | *901*0# |
| Block an account | *901*911# |
| Pay bills | *901# |
| Loan services | Available through *901# |
| Cardless withdrawal | Available through *901# |
| Account statement | Available through *901# |
| BVN services | Available through *901# |
| ATM card services | Available through *901# |
| LCC toll payment | *901*000*522*eTagNumber*Amount# |
What Is the Access Bank USSD Code?
*901# is Access Bank’s USSD banking service. It gives customers access to everyday banking from the mobile number linked to their account.
Unlike the Access More app, *901# works over a GSM network. You don’t need mobile data or Wi-Fi. As long as your phone has network coverage, you can complete most banking transactions.
From the same menu, you can:
- Transfer money.
- Recharge airtime.
- Buy mobile data.
- Check your account balance.
- View recent transactions.
- Request an account statement.
- Pay electricity bills.
- Renew DStv and GOtv subscriptions.
- Pay LCC toll charges.
- Open a new account.
- Apply for eligible loans.
- Access BVN services.
- Block your account.
- Manage ATM card services.
- Withdraw cash without a debit card.
- Change or reset your USSD PIN.
Registering for Access Bank USSD Banking
You only need to register once.
Before you begin, make sure you have:
- An Access Bank account.
- A phone number linked to the account.
- Your BVN.
- An active SIM card.
- Mobile network coverage.
To activate the service:
- Dial *901#.
- Choose the registration option.
- Confirm your identity.
- Create a four-digit USSD PIN.
- Re-enter the PIN to finish registration.
Another option is *901*0#, which also starts the activation process.
Once registration ends, the linked phone number becomes your default number for USSD banking.
Open an Access Bank Account with *901#
You don’t have to visit a banking hall to open an account.
Dial:
*901*0#
Then:
- Select Open Account.
- Enter your BVN.
- Confirm your details.
- Finish the registration.
Access Bank sends your new account number by SMS after the process is complete.
Transfer Money with the Access Bank Transfer Code
Use *901# whenever you want to send money from your Access Bank account.
The same menu works for:
- Access Bank accounts.
- Other Nigerian banks.
To complete a transfer:
- Dial *901#.
- Select Transfer.
- Choose the destination bank.
- Enter the account number.
- Enter the amount.
- Check the account name.
- Enter your USSD PIN.
After you confirm the transaction, the money moves to the selected account.
Buy Airtime and Data with *901#
Need airtime or mobile data? You can buy both from your bank account without opening the mobile app.
Buy Airtime for Yourself
Dial:
*901*Amount#
Example:
*901*1000#
Replace Amount with the value you want to buy.
Buy Airtime for Someone Else
Dial:
*901*Amount*PhoneNumber#
Example:
*901*1000*08031234567#
Replace the phone number with the recipient’s number, then enter your PIN to complete the purchase.
Buy Mobile Data
Dial *901#, choose Data Purchase, pick your mobile network, select a bundle and confirm the payment.
Check Your Balance and Request an Account Statement
You can check your balance, review recent transactions or request an account statement from the same menu.
Check Your Account Balance
Dial:
*901*00#
Enter your USSD PIN to display your available balance.
View Recent Transactions
Open *901#, select Account Services, then choose Mini Statement if the option appears on your account.
Request an Account Statement
Open Account Services, choose Statement Request and continue with the instructions on your screen.
You don’t need to visit a branch to request your statement.
Pay Bills with *901#
Use *901# to pay bills directly from your Access Bank account.
Available payments include:
- Electricity bills
- DStv subscriptions
- GOtv subscriptions
- Internet services
- LCC toll charges
- Other approved billers
To pay a bill:
- Dial *901#.
- Select Bill Payments.
- Choose the biller.
- Enter your account, meter or smart card number.
- Enter the payment amount.
- Review the details.
- Confirm with your USSD PIN.
The transaction finishes once you approve it.
Pay Electricity Bills
Electricity payments follow the same menu.
Dial *901#, choose Bill Payments, select your electricity distribution company, enter the meter number, type the amount and confirm with your PIN.
Pay DStv or GOtv
You can renew DStv or GOtv subscriptions without opening another app.
To complete the payment:
- Dial *901#.
- Open Bill Payments.
- Choose DStv or GOtv.
- Enter the decoder or smart card number.
- Select the subscription package.
- Confirm the payment.
Pay LCC Toll Charges
LCC eTag users can top up their balance through the same USSD menu.
Dial:
*901*000*522*eTagNumber*Amount#
Replace:
- eTagNumber with your LCC eTag number.
- Amount with the amount to pay.
Approve the request to complete the payment.
Access Bank USSD Code for Merchant Payments
The Access Bank USSD code supports payments to selected merchants through the *901# menu.
To make a merchant payment:
- Dial *901#.
- Select Merchant Payments if available.
- Choose the merchant or enter the payment details.
- Enter the amount.
- Review the transaction details.
- Confirm the payment with your USSD PIN.
Merchant payments depend on the availability of the service and the merchant’s support for Access Bank USSD payments.
Loans, BVN Services and Cardless Withdrawal
The *901# menu also includes loan requests, BVN services and cardless withdrawals.
Apply for an Access Bank Loan
Eligible customers can request a loan through the Loans menu.
Steps:
- Dial *901#.
- Select Loans.
- Review the available offers.
- Choose a loan.
- Accept the terms to continue.
Approval depends on your eligibility and Access Bank’s lending policy.
Access BVN Services
BVN-related options are available from the same menu.
Dial *901#, select BVN Services and follow the prompts.
Use the mobile number linked to your Access Bank account.
Withdraw Cash Without an ATM Card
Need cash without your debit card?
Generate a withdrawal request with these steps:
- Dial *901#.
- Select Cardless Withdrawal.
- Enter the amount.
- Confirm the request.
Complete the withdrawal at a supported ATM before the code expires.
Block an Access Bank Account or ATM Card
Act quickly if your phone is lost or you notice suspicious activity.
Block Your Account
Dial:
*901*911#
Follow the instructions displayed on your phone.
The block stops new USSD transactions immediately.
Block Your ATM Card
You can also block your debit card through the available card management options or by contacting Access Bank.
Blocking the card prevents new ATM and POS transactions.
Requirements and Benefits
Before using *901#, make sure you have:
- An Access Bank account.
- A registered mobile number.
- A four-digit USSD PIN.
- An active SIM card.
- Mobile network coverage.
The code works on Android phones, iPhones and feature phones. You do not need mobile data or Wi-Fi.
Access Bank USSD Code vs Access More App
Both services give you access to your Access Bank account, but they work differently.
| Feature | Access Bank USSD Code (*901#) | Access More App |
| Internet required | No | Yes |
| Works on feature phones | Yes | No |
| Works on Android | Yes | Yes |
| Works on iPhone | Yes | Yes |
| Money transfers | Yes | Yes |
| Airtime purchase | Yes | Yes |
| Data purchase | Yes | Yes |
| Bill payments | Yes | Yes |
| Account balance | Yes | Yes |
| Cardless withdrawal | Yes | Yes |
| Account statement | Yes | Yes |
| Fingerprint or Face ID | No | Yes |
Choose *901# when you need to bank without mobile data or Wi-Fi. Use the Access More App if you prefer a full mobile banking experience with additional account management features.
Why Use the Access Bank USSD Code?
Many everyday banking services are available from one shortcode.
With *901#, you can:
- Transfer money.
- Buy airtime.
- Buy data.
- Check your account balance.
- Request an account statement.
- Pay electricity bills.
- Renew DStv and GOtv subscriptions.
- Apply for eligible loans.
- Open an Access Bank account.
- Withdraw cash without a debit card.
- Complete transactions with a secure USSD PIN.
Access Bank USSD Charges, Transfer Limit and PIN
Access Bank USSD Charges
Using *901# may attract charges, depending on the transaction. Access Bank applies banking fees where applicable, while Nigerian mobile network operators charge the approved USSD session fee.
Charges may apply to:
- Money transfers
- Airtime purchases
- Data purchases
- Bill payments
- Other supported banking services
The applicable fee appears on your screen before you approve the transaction.
Access Bank Transfer Limit
The Access Bank transfer code has daily transaction limits.
Your limit depends on:
- Account type
- KYC level
- Regulatory requirements
- Access Bank’s transaction policy
Customers who need higher limits can upgrade eligible accounts through Access Bank.
Access Bank USSD PIN
Every transaction completed with *901# requires a four-digit USSD PIN.
The PIN protects services such as:
- Money transfers
- Airtime purchases
- Data purchases
- Bill payments
- Balance enquiries
- Loan requests
- Other banking transactions
Choose a PIN that is difficult to guess. Avoid birthdays, repeated numbers and simple number patterns.
Reset Your Access Bank USSD PIN
Forgot your PIN? You can create a new one through the USSD menu.
- Dial *901#.
- Select Security or PIN Management.
- Verify your identity.
- Enter a new four-digit PIN.
- Confirm the new PIN.
Complete the process with the mobile number linked to your Access Bank account.
Why the Access Bank USSD Code Is Not Working
Several issues can stop *901# from working.
Poor Network Signal
USSD banking needs a stable mobile network.
Move to an area with better signal strength and dial the code again.
Wrong USSD PIN
An incorrect PIN stops the transaction.
Reset your PIN if you cannot remember it.
Phone Number Not Linked to Your Account
The service only works with the number registered on your Access Bank account.
Use the linked number or update your phone number through Access Bank.
Insufficient Funds
Transfers, bill payments, airtime purchases and data purchases require enough money in your account.
Check your balance before trying again.
Temporary Service Outage
Access Bank or your mobile network may carry out maintenance from time to time.
Wait a few minutes, then try again.
Safety Tips for Using *901#
Keep your banking details secure whenever you use the Access Bank USSD code.
- Never share your USSD PIN.
- Confirm the recipient’s name before sending money.
- Lock your phone with a password or biometric security.
- Block your account immediately if your phone is lost.
- Change your PIN from time to time.
- Avoid completing banking transactions on someone else’s phone.
- Report any unauthorised transaction to Access Bank immediately.
Access Bank Customer Care
Need help with the Access Bank USSD code? Contact Access Bank through any of the official support channels below.
| Customer Care Channel | Contact |
| Customer Care | +234 201 280 2500 |
| Alternative Line | +234 1 271 2005-7 |
| contactcenter@accessbankplc.com | |
| Website | www.accessbankplc.com |
| X (Twitter) | @myaccessbank |
| Available through Access Bank’s official website |
Contact customer support if you:
- Cannot activate *901#.
- Forget your USSD PIN.
- Need to increase your transfer limit.
- Want to block your account or debit card.
- Notice an unauthorised transaction.
- Need help with a failed transaction.
Frequently Asked Questions
What is the Access Bank USSD code?
The Access Bank USSD code is *901#.
What is the Access Bank transfer code?
The Access Bank transfer code is *901#. It supports transfers to Access Bank accounts and other Nigerian banks.
How do I activate the Access Bank USSD code?
Dial *901#, complete the registration process and create your four-digit USSD PIN.
What is the Access Bank balance check code?
Dial *901*00# and enter your PIN.
How do I buy airtime with the Access Bank USSD code?
Dial *901*Amount# for your own number.
How do I buy airtime for another number?
Dial *901*Amount*PhoneNumber#, then confirm the transaction with your PIN.
Can I buy mobile data through *901#?
Yes. Dial *901#, choose Data Purchase, select your network and complete the payment.
Can I transfer money without internet?
Yes. *901# works without mobile data or Wi-Fi.
Can I transfer money to another bank?
Yes. The Access Bank transfer code supports transfers to other Nigerian banks.
Can I open an Access Bank account with *901#?
Yes. Dial *901*0# and follow the prompts.
Can I apply for a loan through the Access Bank USSD code?
Eligible customers can apply from the Loans menu.
Can I request an account statement?
Yes. Open Account Services and choose Statement Request.
Can I withdraw cash without my ATM card?
Yes. Use the Cardless Withdrawal option on *901# if it is available for your account.
How do I block my Access Bank account?
Dial *901*911# and follow the instructions.
Why is *901# not working?
Common causes include poor network coverage, an incorrect PIN, insufficient funds, an unregistered phone number or a temporary service outage.
Does the Access Bank USSD code work on MTN, Airtel, Glo and 9mobile?
Yes. It works on supported MTN, Airtel, Glo and 9mobile lines linked to an Access Bank account.
Can I pay electricity bills with *901#?
Yes. Open Bill Payments, choose your electricity provider and complete the payment.
Can I pay DStv and GOtv subscriptions?
Yes. Both services are available from the Bill Payments menu.
Can I check my account balance without the Access More app?
Yes. Dial *901*00# and enter your PIN.
Is the Access Bank USSD code secure?
Yes. Every transaction requires your registered phone number and a personal USSD PIN.
Which phone number can use the Access Bank USSD code?
Only the mobile number linked to your Access Bank account can access *901# banking services.
Can I use the Access Bank USSD code outside Nigeria?
The service depends on your mobile network and whether USSD roaming is available.
Does the Access Bank USSD code work 24 hours?
Yes. You can use *901# at any time, although service availability depends on network connectivity and system availability.
Can I change my Access Bank USSD PIN?
Yes. Open the Security or PIN Management option in the *901# menu, then create a new PIN after identity verification.
Conclusion
The Access Bank USSD code (901#) keeps everyday banking within reach from your registered phone. You can transfer money, buy airtime and data, pay bills, check your balance, request account services, apply for eligible loans and complete many banking tasks without internet access. Keep this guide for the latest Access Bank transfer code, Access Bank code and *901# USSD banking services.
