In the era of mobile and internet banking, USSD codes have become prevalent for mobile transactions as they require one to download any bank app or possess an internet-enabled device. Another reason is whether you have a bank app or not, you can still transact anywhere. Luckily enough in the era of instant and fast transactions orchestrated by cashless policy, crypto, and other mobile money services,  the need to access banking services on the go is inevitable. Banks and other financial services agencies are stepping up their games, and USSD codes for the transaction are highly on the rise. Previously, we talked about the Access Bank app, and how to download, register, log in,  transfer & transact.

Access Bank USSD code

USSD simply means Unstructured Supplementary Service Data. It is a protocol for a global system for mobile communications that enables you to send text messages. It works similarly in function and purpose as SMS, but has some notable differences like it can be used on any type of phone or messaging app. The Access Bank USSD code is *910#.  The Access Bank transfer code can be used for transferring funds, buying airtime, paying bills, applying for loans, and other services. There is no need for an internet connection, smartphone, or app. You can go about your transaction with anything phone.  The Access Bank transfer code popularly known as the USSD code offers customers convenient ways to transact with Access Bank. With the Access Bank USSD customers can perform various banking operations without having to visit the bank or go to an ATM stand including opening an account.

Basic Features of Access Bank USSD code

The following are the basic features of the Access Bank USSD code;

• It is available 24/7
• It doesn’t need an internet connection
• It doesn’t require a smartphone
• It is fast and convenient
• It is easy to execute
• It is safe and secure
• No internet connection is required
• No airtime required
• It is available on all devices
• It is available on all telecommunication networks in Nigeria
• It is available on working and non-working days.

About Access Bank

Access Bank was established in 1989 and since then has grown to become one of the leading commercial banks in Nigeria offering both local and international financial services. Being one of the most innovative banks in Nigeria, the Access Bank USSD code is no surprise one of the easiest bank USSD codes used frequently in Nigeria. More about Access Bank? Check here.

Benefits of using Access Bank USSD codes

The need and the benefits of using the Access Bank code can’t be overemphasized. It is very simple to remember as it contains key beginning and ending digits (*901#), and it is a fast, convenient, and secure way for banking transactions. With 24/7 availability and no internet or airtime requirements, you shouldn’t want to miss this and risk queuing for long hours at the bank.

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Requirements for Access Bank USSD code

For one to be able to register for the Access Bank USSD code and be able to use the Access Bank USSD code for your banking transactions, one must meet the following requirements.

• You must have an account with Access Bank.
• You must also have a functional ATM card because the last 6 digits of your Access Bank debit/ATM card will be needed to register for USSD. Should you not have a debit card, don’t worry, you can use your valid date of birth (DOB).
• A functional phone number linked to your Access Bank account. This is usually the phone number you used to create the account.
• Watch amazing videos on Banking now.

With the above requirements in your possession, you are good to register for the Access Bank USSD code.

How To Create Access Bank USSD Code Service

To register for Access Bank USSD code *901# service, Access Bank customers should simply follow the guidelines below;

The first thing to know is that you can use any phone to register for the Access Bank USSD but you must have your phone number linked to your Access Bank account. The SIM card has to be active and must be in the phone you are using to activate your Access Bank USSD code.

• On your favourite mobile phone, launch your phone’s dial pad.
• Dial *901# using the phone number linked to your Access bank account.
• Click on option 2 (Transfer)
• Enter the last 6 digits of your Access Bank debit or ATM card. However, if you don’t have an active debit card, you will be required to enter your Date of Birth.
• Next, enter your 10-digit Access bank account number.
• You will then be prompted to create a 4-digit PIN. Enter your preferred 4-digit PIN and confirm the entry to authorize the transaction. Ensure to keep your PIN in a safe and secure place. See below how to create and save a strong PIN.

If everything is done correctly, your Access Bank USSD code will be activated immediately and you can now use it to transfer money, buy airtime, or pay bills.

How to create a strong Access Bank USSD Code & transfer PIN

After you have created your Access Bank USSD code, you can use it to make transfers. Your Access Bank USSD PIN is what you’ll use for all your banking operations, whether transfer or airtime purchases. Looking for financial tutors? Start learning now.

The 4-digit USSD PIN can be any number from 0 to 9 but you need to be careful in the combinations. Do not use your date of birth, last four digits or first four digits of your phone number. This is because fraudsters can easily get them.

How to change or reset your Access Bank USSD PIN

Should you suspect that someone has your USSD PIN or that it is compromised, the best thing to do is to change or reset your Access Bank USSD PIN immediately

• Using the phone number linked to your Access bank account, dial *901#
• Choose option 4 or type 4 in the column provided
• Enter the old transfer PIN
• Enter the new transfer PIN and confirm it.

If correctly done, your USSD PIN will be changed automatically.

How to transfer/send Money Using Access Bank USSD Code

Simply dial *901*2# to send money to anyone using the Access Bank USSD code. Below is the procedure to transfer money using the Access bank transfer code

For transfers to another access bank account

• Dial *901*Amount* Recipient’s Account Number#
• Confirm the recipient’s details
• Enter your 4-digit USSD transfer PIN and wait for the response via onscreen & SMS.
• Click confirm to confirm the transaction.

Alternatively, simply dial *901*2#  and follow the instructions on your phone’s screen.

For transfers to other banks

• Dial *901*2*Amount*Recipient’s Account Number#
• Enter the recipient’s bank name from the list of banks displayed.
• Confirm the details and authenticate the transaction by entering your 4-digit security PIN.

In both transfers, you will receive a notification confirming the success of the transaction together with a debit alert SMS.

Sometimes, the debit alert may be delayed but if your transaction was said to be successful, then you’ve been debited and the alert may come later.

How to deactivate Access Bank USSD Code

If you think your mobile transfer is being compromised or your phone or SIM card is stolen, you can secure your money by deactivating your mobile banking.

To deactivate,

• Dial *901*911# using any phone. Ensure to do this on the phone number associated with your Access Bank account.
• Enter the registered phone number you wish to deactivate

If done correctly, your USSD profile will be deactivated automatically.

How to use Access Bank USSD Codes for other transactions

As stated above,  the Access Bank USSD codes can be used for many services including buying airtime and checking account balances. See below how to use the USSD codes for other transactions.

How to check Account balance with Access Bank USSD Code

• Launch your phone dial pad and dial *901*00#
• If you have good network coverage, you receive an SMS containing your bank account balance
• Alternatively, dial *901*5# to check your balance

How to buy Airtime with Access Bank Transfer Code

Run out of time in a remote location? Don’t worry, you can buy airtime directly on your phone with the Access Bank USSD code as long as there is money in the account. The procedures on how to purchase airtime using the USSD code are as shown below:

1. Launch your phone dial pad.
2. Enter *901*Amount# to buy airtime for yourself. E.g. Dial *901*1000#, for N1000 worth of airtime
3. Enter *901*Amount*Phone Number# to buy airtime for your friend. E.g., dial *901*1000*08123456790#
4. Enter your 4-digit transfer PIN to authorize the transaction
5. You will receive a confirmation message.

That is all.

List Of Access Bank USSD Codes & Functions

FAQs

What is wrong with Access Bank’s USSD code?

Access Bank USSD code hardly has a problem except for minor hitches that occur when a large number of people are transacting at the same time. To avert the challenge, just keep trying. Alternatively, you can contact Access Bank customer care.

What is the Access Bank USSD code?

The Access Bank USSD code is a universal transfer code that allows Access Bank customers to transact with their mobile devices with/without an internet connection. It can be used for anything transaction including sending money to other banks, The Access Bank USSD code is *901#. When you dial this USSD code other options will appear for you to choose from.

What transactions can I perform with the Access Bank USSD code?

You can perform many banking transactions with the Access Bank USSD code. Such transactions include but are not limited to checking account balances, sending money to Access Bank and other banks, paying utility bills, and buying airtime or data bundles for oneself and others.

Is there a limit to the amount of money I can transfer with the Access Bank USSD code?

Yes. Generally, USSD has transaction limits. The same applies to the Access Bank USSD code. There is a limit to the amount of money you can transfer with the Access Bank USSD code. The daily limit for transfers is N100,000 for individual accounts and N1,000,000 for corporate accounts.

How do I register for the Access Bank USSD code?

To register for the Access Bank USSD code, simply dial *901# from the phone number linked to your Access Bank account and follow the on-screen instructions.

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

When you forget your Access Bank USSD code PIN, simply dial *901#, select the option for “PIN Setup,” and follow the on-screen prompts to reset your Access Bank USSD code PIN.

Is Access Bank USSD code free?

No. There is a fee for using the Access Bank USSD code. However, the charges are minimal and are usually deducted from your account balance. The fee varies according to the size of the transaction you are performing and the network provider.

Is Access Bank’s USSD code secure?

Yes, the Access Bank USSD code is secure and uses encryption to protect your transactions. However, ensure to keep your PIN and mobile phone safe to prevent unauthorized access to your account.

What do I do if I encounter issues with the Access Bank USSD code?

You don’t need to just contact Access Bank customer care for assistance. If the case persists, you can visit any Access bank branch closest to you for further assistance.

Can I use the Access Bank USSD code on any mobile phone?

Yes, you can use the Access Bank USSD code on any mobile phone, regardless of the make or model. However, your mobile phone must be linked to at least one of your Access Bank accounts. It should also be able to receive or send a message(s).

How long does it take for transactions with Access Bank USSD code to be processed?

It is real-time and instant. The Access Bank USSD code processing is in real-time and is usually completed within seconds. Meanwhile, some transactions may take longer to process, especially if there are network issues or if the transaction is being processed outside of banking hours.

What do I do if I accidentally transfer money to the wrong account?

Should you transfer to the wrong account mistakenly, contact Access Bank customer service for immediate assistance. You can also visit any Access bank branch for further assistance.

Can I check my account balance with Access Bank USSD code without an internet connection?

Yes, you can check your Access Bank account balance with the USSD code without an internet connection. All you need is a mobile phone that can receive SMS messages and a SIM card that is linked to your Access bank account.

How do I deactivate the Access Bank USSD code?

To deactivate the Access bank USSD code, simply dial *901*911# from the phone number linked to your Access bank account and follow the on-screen prompts.

Is there a limit to the number of transactions I can perform with the Access Bank USSD code?

No, there is no limit to the number of transactions you can perform with the Access Bank USSD code. However, there may be a daily limit to the amount of money you can transfer, depending on your account type and transaction history.

Can I use the Access Bank USSD code outside Nigeria?

No, the Access Bank USSD code can only be used within Nigeria. If you are travelling outside Nigeria, you may need to use other banking channels to access your account, such as the Access Bank mobile app or Internet banking.