⁠Access Bank USSD Codes in Nigeria (2026)

You rarely think about banking codes until you suddenly need them. However, the sudden need is why you need to know the Access Bank USSD codes in Nigeria. They always come in handy when you want to send money, buy airtime quickly, or check your account balance. 

The Access Bank code is *901#. However, this guide contains the complete list of Access Bank USSD codes in Nigeria for 2026. These include shortcut codes, activation steps, transaction charges, transfer limits, security tips, and solutions to common problems.

Quick Reference: All Access Bank USSD Codes

What You Want to Do	USSD Code
Open the main menu	*901#
Check the account balance	*901*5#
Transfer to the Access Bank account	*901*1*Amount*AccountNumber#
Transfer to other banks	*901*2*Amount*AccountNumber#
Buy airtime for self	*901*Amount#
Buy airtime for others	*901*Amount*PhoneNumber#
Pay bills	*901*3#
Open an Access bank account	*901*0#
Block account or ATM card	*901*911#
Reset USSD PIN	*901# → select PIN reset
Check BVN	*565*0#

What Is Access Bank USSD Banking?

USSD banking lets you carry out financial transactions by dialing short codes on your phone. Access Bank USSD codes are useful when;

• Your internet is slow or unavailable
• The Access More app is down or not loading
• You are using a basic phone without a data plan
• You need to send money urgently and cannot wait for an app to load
• You are in an area with a poor data signal, but have basic network coverage

Access Bank’s USSD service works on MTN, Airtel, Glo, and 9Mobile (T2 Mobile).

How to Activate Access Bank USSD Banking

Before your first transaction, you need to set up a USSD PIN. Do this once, and you are set permanently.

Step 1: Make sure you are using the SIM card registered to your Access Bank account.

Step 2: Dial *901#.

Step 3: When prompted, enter the last 6 digits of your Access Bank debit card. If you don’t have your card handy, use your date of birth in DDMMYYYY format.

Step 4: Enter your 10-digit Access Bank account number.

Step 5: Create a 4-digit PIN. Avoid obvious combinations like 1234 or your birth year.

Step 6: Confirm the PIN. You are done.

From now on, every transaction you initiate through *901# will require this PIN to complete.

How to Transfer Money With Access Bank USSD

Here is how to transfer money with Access Bank USSD; 

1. Sending to an Access Bank account

Dial: *901*1*Amount*AccountNumber#

Example: to send ₦5,000 to Access Bank account 0123456789, the format would be;

*901*1*5000*0123456789#

Enter your PIN when prompted to confirm.

2. Sending to another Nigerian bank

Dial: *901*2*Amount*AccountNumber#

Example: to send ₦10,000 to a GTBank account, the format would be;

*901*2*10000*0987654321#

This works with all Nigerian banks, including GTBank, Zenith, First Bank, UBA, Fidelity, Stanbic, and others. The transfer hits within seconds.

Transfer charges: Standard CBN interbank transfer fees apply. Here are the charges that apply; 

• ₦10.75 for transfers up to ₦5,000, 
• ₦25 for ₦5,001–₦50,000, and 
• ₦50 for transfers above ₦50,000.

Daily limit: The default USSD transfer limit is ₦100,000 per day. You can increase this through the Access More app or by visiting a branch.

How to Buy Airtime With Access Bank Codes

Here is how to buy airtime with Access Bank codes; 

For your own number

Dial: *901*Amount#

Example — to buy ₦500 airtime: *901*500#

The airtime is deducted from your account and credited to your phone instantly.

For someone else’s number

Dial: *901*Amount*PhoneNumber#

Example — to send ₦200 airtime to 08012345678: *901*200*08012345678#

Works on MTN, Airtel, Glo, and 9Mobile numbers.

How to Check Your Access Bank Balance

Dial: *901*5#

Enter your PIN when prompted. Your available balance and ledger balance appear on screen within seconds.

How to Pay Bills With Access Bank USSD

Dial *901*3# and follow the menu prompts to pay for:

• Electricity — EKEDC, IKEDC, AEDC, PHEDC, EEDC, and other DISCOs
• Cable TV — DSTV, GOtv, Startimes
• Internet subscriptions — select providers
• Other supported billers — listed in the menu after dialing

You’ll need your customer or meter number for the relevant biller. The menu walks you through the rest.

How to Block Your Access Bank Account or Card

If your phone or ATM card is lost or stolen, act immediately.

Dial: *901*911#

This instantly deactivates your USSD profile and blocks your account from unauthorized transactions. You can dial this from any phone — it doesn’t have to be your registered number, which matters when your registered SIM is the one that’s missing.

To reactivate, visit an Access Bank branch with a valid ID.

How to Reset Your Access Bank USSD PIN

If you have forgotten your PIN or entered it incorrectly three times:

Step 1: Dial *901#

Step 2: Select the PIN reset option from the menu

Step 3: Verify your identity using your debit card details or date of birth

Step 4: Set a new 4-digit PIN and confirm it

Your PIN is reset immediately. You can transact again straight away.

Access Bank USSD Security: What You Should Know

Your USSD PIN is the only thing standing between your account and an unauthorized transaction. Hence, you need the following to ensure optimum security.  

Do:

• Use a PIN only you know.
• Block your account immediately if your phone is lost (*901*911# from any phone)
• Change your PIN regularly

Don’t:

• Share your PIN with anyone, including people who claim to be Access Bank staff
• Let someone else use your phone to “help” you dial a code
• Save your PIN in your phone’s notes or messages

Access Bank will never call or text you asking for your USSD PIN.

Frequently Asked Questions About Access Bank USSD Codes in Nigeria

Here are the frequently asked questions about Access Bank USSD codes in Nigeria; 

Question 1: What is the Access Bank USSD code? 

*901# — this is the main code that opens all services.

Question 2: How do I check my Access Bank balance without the app? 

Dial *901*5# and enter your PIN.

Question 3: Can I transfer money using Access Bank USSD without internet? 

Yes. Dial *901*2*Amount*AccountNumber# for other banks, or *901*1*Amount*AccountNumber# for Access Bank accounts.

Question 4: What is the daily transfer limit on Access Bank USSD? 

₦100,000 per day by default.

Question 5: How do I block my Access Bank account if my phone is stolen? 

Dial *901*911# from any phone — it doesn’t have to be your registered number.

Question 6: Does Access Bank USSD work on all networks? 

Yes — MTN, Airtel, Glo, and 9Mobile.

Question 7: Is Access Bank USSD free? 

Dialing *901# is free. Your network provider may charge a small session fee (₦6–₦7).

Question 8: What if I send money to the wrong account? 

Call Access Bank customer care immediately on 07003000000. The faster you report it, the better the chance of reversal.

Conclusion

Access Bank’s *901# is one of the most reliable ways to bank in Nigeria without internet. It works on any phone, on any network, at any time. However, you can use the Ridima app to buy airtime/data or pay bills. Note that you need internet access to enjoy this smooth process. 

Reference

Access Bank USSD Codes in Nigeria (2026) – Ricki  

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