Access Bank USSD Code is a revolutionary service that brings banking convenience right to your fingertips, allowing you to perform a wide range of financial transactions directly from your mobile phone.
This innovative system, primarily accessed through the code *901#, eliminates the need for internet connectivity, making it an invaluable tool for customers in regions with limited internet access.
Whether you need to check your account balance, transfer funds, buy airtime, pay bills, or manage your account, the USSD code ensures that banking is quick, easy, and secure.
In this post, we’ll review the features, benefits, and practical uses of the Access Bank USSD code, providing a comprehensive guide to maximizing this essential service.
What is Access Bank USSD Code?
The Access Bank USSD code, primarily *901#, is a quick, easy, and secure way to conduct banking transactions without Internet connectivity.
By simply dialing a short code on a mobile phone, customers can access a wide range of banking services, including money transfers, airtime purchases, bill payments, and account management.
This service is particularly beneficial in regions with limited internet access, ensuring that all customers can manage their finances conveniently from their mobile devices.
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What are the Features of Access Bank USSD Code
Access Bank’s USSD banking offers various features designed to simplify financial transactions for its users. These include:
1. Ease of Use:
The user-friendly service does not require internet connectivity, making it accessible to many customers.
2. Wide Range of Services:
Customers can perform various banking transactions, such as transferring money, checking account balances, buying airtime, and paying bills.
3. Speed:
Transactions are processed quickly, ensuring users can complete their banking tasks efficiently.
4. Security:
The USSD for Access Bank employs multiple layers of security, including PIN codes and encryption, to protect users’ financial information.
5. Accessibility:
The USSD Code is available 24/7, allowing customers to conduct banking transactions anytime.
6. Affordability:
The service incurs minimal transaction fees, making it a cost-effective banking solution.
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What is the Comprehensive List of Access Bank USSD Codes?
Below is a comprehensive list of codes for various Access Bank services:
| Service | USSDCode |
| General Banking | *901# |
| Check Balance | *901*00# |
| Airtime Self | *901*Amount# |
| Airtime Others | *901*Amount*PhoneNumber# |
| Transfer Access Bank | *901*1*Amount*AccountNumber# |
| Transfer Other Banks | *901*2*Amount*AccountNumber# |
| Open Account | *901*0# |
| Pay Bills | *901*3# |
| Data Purchase | *901*8# |
| BVN Verification | *901*5# |
| Loan Services | *901*11# |
| Cardless Withdrawal | *901*12# |
| Hotlist ATM Card | *901*11*1# |
| Update Bank Verification Number (BVN) | *901*5*BVN# |
How to Activate Access Bank USSD Code?
Activating the USSD code is a straightforward process:
- Dial *901# on your mobile phone.
- Follow the on-screen prompts to enter your account details.
- Create a secure 4-digit PIN, which will be used to authorize transactions.
- Confirm your details to complete the registration process.
After successful registration, you can use the USSD code to perform various banking transactions.
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How to go about Access Bank USSD Code Usage
Here’s a step-by-step guide on how to use the USSD code for different transactions:
1. USSD Code for Airtime Purchase
- For Self:
Dial *901*Amount# (e.g., *901*500# for ₦500 airtime).
- For Others:
Dial *901*Amount*PhoneNumber# (e.g., *901*500*08012345678# for ₦500 airtime to another number).
2. USSD Code for access Money Transfer
- To Access Bank Account:
Dial *901*1*Amount*Account Number# (e.g., *901*1*2000*1234567890# for ₦2000).
- To Other Banks:
Dial *901*2*Amount*Account Number# (e.g., *901*2*3000*1234567890# for ₦3000).
3. Code for Checking Account Balance
Dial *901*00# and enter your PIN to see your balance.
4. USSD Code for Access Bank Bill Payments
Dial *901*3# and follow the prompts to pay electricity, water, and TV subscriptions.
5. Access bank USSD Code for Data Purchase
Dial *901*8# and follow the prompts to purchase data bundles.
How to Block Access Bank USSD Code
Blocking your USSD code is essential if you suspect unauthorized access or lose your phone. Here’s how to do it:
- Dial *901*911# from any phone.
- Follow the prompts to enter your account details and block the USSD service.
Alternatively, you can contact Access Bank customer care to block your USSD profile.
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How to Unblock Access Bank USSD Code?
To unblock your Access Bank code, visit any Access Bank branch with a valid ID and request reactivation. Alternatively, you can contact Access Bank customer care for assistance.
How to Upgrade My Access Bank Account Using USSD Code
Upgrading your Access Bank account using the code involves the following steps:
- Dial *901*upgrade# from your registered phone number.
- Follow the on-screen instructions to provide the necessary information.
- Submit your details and wait for confirmation of your account upgrade.
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How to Pay Back Access Bank Loan with USSD Code
Repaying your Access Bank loan using the code is straightforward. Simply:
- Dial *901*11# to access the loan services menu.
- Select the repayment option and enter the loan amount you wish to repay.
- Confirm the transaction with your PIN.
How to Borrow Money from Access Bank with USSD Code
Borrowing money from Access Bank using the code involves:
- Dial *901*11# to access the loan services menu.
- Select the option to request a loan.
- Enter the desired loan amount and confirm with your PIN.
- Wait for loan approval and disbursement into your account.
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What are the Advantages of Access Bank Code?
Using the USSD code offers numerous advantages like:
1. Convenience:
Access bank users can perform banking transactions anywhere and anytime without internet access.
2. Speed:
Transactions with the access bank USSD Code are processed quickly, saving time and effort.
3. Security:
Access bank’s multi-layered security features protect users’ financial information.
4. Cost-Effective:
Minimal transaction fees make the USSD Code service an affordable option.
5. Accessibility:
It is accessible on any mobile phone, including basic feature phones.
6. 24/7 Service:
Access bank USSD Code service is available round the clock, ensuring continuous access to banking services.
What are the Security Measures for Access Bank USSD Code?
Access Bank has implemented several security measures to safeguard its USSD banking services. They include:
1. PIN Protection:
Users must create and use a 4-digit PIN to authorize transactions.
2. Encryption:
All USSD communications are encrypted to protect sensitive information.
3. Fraud Detection:
The bank employs sophisticated systems to detect and prevent fraudulent activities.
4. Customer Alerts:
Users receive SMS notifications for every transaction, helping them monitor account activity.
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What are the Common Issues and Solutions faced by this Service?
Despite its many advantages, users may encounter some common issues while using the Access Bank USSD code. Here are some solutions:
1. Issue: Transaction Failure
Solution:
Ensure you have sufficient funds in your account and check for network connectivity issues and try again.
2. Issue: Incorrect PIN Entry
Solution:
If you enter the wrong PIN multiple times, your USSD profile may be blocked. Contact customer care or visit a branch to unblock it.
3. Issue: Service Unavailable
Solution:
This could be due to network downtime or maintenance. Wait for a few minutes and try again.
4. Issue: Unauthorized Transactions
Solution:
Immediately block your USSD profile by dialing *901*911# and contact customer care for further assistance.
5. Issue: Difficulty Registering
Solution:
Ensure your phone number is registered with Access Bank and linked to your account. If problems persist, visit a branch for assistance.
FAQs
The primary USSD code is *901#, used for various banking transactions.
Dial *901# and follow the prompts to enter your account details and create a 4-digit PIN.
Dial *901*00# and enter your PIN to view your account balance.
Dial *901*1*Amount*Account Number# (e.g., *901*1*2000*1234567890#).
Dial *901*2*Amount*Account Number# (e.g., *901*2*3000*1234567890#).
Dial *901*Amount# (e.g., *901*500# for ₦500 airtime).
Dial *901*911# from any phone and follow the prompts to block the USSD service.
Visit any Access Bank branch with a valid ID or contact customer care for assistance.
Dial *901*11# and select the repayment option, then enter the loan amount and confirm.
Ensure you have sufficient funds and network connectivity, then try again.
The service employs multiple layers of security, including PIN codes and encryption, to protect your financial information.
Visit an Access Bank branch or contact customer care to reset your PIN.
Immediately block your USSD profile by dialing *901*911# and contact customer care for further assistance.
Conclusion
The Access Bank USSD code service is a testament to its commitment to providing innovative and accessible banking solutions to its customers.
With its wide range of features, ease of use, and robust security measures, the USSD code system simplifies financial transactions and ensures that banking services are available to all.
By understanding and utilizing this service, customers can manage their finances more effectively, enjoying modern banking technology’s convenience and efficiency.
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References
- accessbankplc– Banking Made Easy
- hostziza– Access Bank USSD Code 2025 [Balance, Transfer, Airtime, etc] In Nigeria
- monierate – List of Access Bank USSD Codes
