Access Bank makes banking simple with USSD codes. With just your mobile phone — no internet needed — you can send money, buy airtime, check your balance, pay bills, and more.
Let’s walk you through everything you need to know about Access Bank’s USSD code: *901#.
What is USSD Banking?
USSD stands for Unstructured Supplementary Service Data. It lets you do banking from any phone — even a basic one — without internet.
With USSD banking, you can:
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Check your balance
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Send money
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Buy airtime
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Pay bills (like DSTV, NEPA, etc.)
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Get your bank statement
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Block a lost card
*Access Bank USSD Code: 901#
This is the main code to access all Access Bank USSD services.
To use it:
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Dial
*901#on the phone linked to your Access Bank account. -
Choose what you want to do from the menu.
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Enter the needed details (like amount or account number).
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Confirm with your 4-digit PIN.
How to Register for USSD Banking
If you haven’t registered yet, here are 3 easy ways:
1. Using USSD (Self-registration)
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Dial
*901# -
Choose “Register” or “Open Account”
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Enter your BVN and other details
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Create a 4-digit USSD PIN
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You’ll get a confirmation once done
2. Using the Access Bank Mobile App
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Download the Access More app
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Log in and go to “USSD Banking”
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Follow the steps to activate it
3. Visit Any Access Bank Branch
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Go with a valid ID
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A staff member will help you register
SEE ALSO: Fidelity Bank USSD Code – Simple Guide for Easy Banking
How to Activate USSD Banking
If you already have an Access Bank account but haven’t used USSD before:
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Dial
*901# -
Choose “Activate USSD Banking”
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Enter your account info
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Set up a 4-digit PIN
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You’ll get a confirmation message
*What You Can Do with 901#
Here are the main services available:
| Service | How to Use It |
|---|---|
| Check Balance | Dial *901# → Select “Balance” → Enter your PIN |
| Send Money to Access | Dial *901# → “Transfer” → “Access Bank” → Enter details |
| Send to Other Banks | Dial *901# → “Transfer” → “Other Banks” → Fill in info |
| Buy Airtime (Self) | Dial *901*Amount# (e.g., *901*500#) |
| Buy Airtime (Others) | Dial *901# → Select “Airtime” → Enter number & amount |
| Pay Bills | Dial *901# → Choose “Pay Bills” → Follow prompts |
| Withdraw Without Card | Generate code via USSD and use it at ATM |
| Get Statement | Dial *901# → Select “Get Statement” → Choose duration |
| Link or Check BVN | Use menu options to check or link your BVN |
| Customer Care | Dial *901# → Select “Customer Service” |
Benefits of Access Bank USSD Banking
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✅ No internet needed
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✅ Works 24/7 — anytime, any day
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✅ Fast and easy — no need to visit the bank
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✅ Secure — uses your PIN for protection
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✅ Lots of services — transfers, airtime, bills, etc.
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✅ Cardless withdrawals — safer and more convenient
Security Tips
To keep your account safe:
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Never share your USSD PIN
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Don’t use public phones for banking
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Change your PIN often
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Watch your balance for strange activity
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Only use the official *901# code
Common Problems and How to Fix Them
| Issue | What to Do |
|---|---|
| “Transaction Failed” | Check your balance, confirm details, or try again later |
| “Invalid PIN” | Make sure you enter the correct PIN, or reset it |
| “USSD Code Not Working” | Dial *901# again — may be network delay |
| “Phone Number Not Registered” | Visit a branch to update your phone number |
FAQs
Q: Is USSD banking free?
A: Registration is free. Some transactions have small charges.
Q: Can I use USSD without an account?
A: No, you need an Access Bank account first.
Q: How do I reset my PIN?
A: Dial *901#, select “PIN Reset”, and follow the steps.
Q: Can I transfer to other banks?
A: Yes — choose “Transfer to Other Banks” in the menu.
Q: What’s the daily transfer limit?
A: Limits may vary. Contact Access Bank for current limits.
What’s Next?
Access Bank is working on:
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Voice banking (make transactions by speaking)
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WhatsApp banking as another option
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Sending money across Africa
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Fingerprint login and smarter fraud protection
Final Thoughts
With Access Bank USSD (*901#), you can bank anywhere, anytime — no app or internet needed. It’s safe, quick, and very convenient.
✅ Dial *901# now to get started with easy banking!
Need help? Visit any Access Bank branch or call customer care.
