Complete List of Access Bank USSD Codes (2025)

Ever been stuck needing to send money but no internet?

Or wanted to check your balance without trekking to an ATM?

Maybe you’re just tired of bank apps crashing when you need them most.

Access Bank’s USSD codes are your lifeline.

No smartphone, no data, no problem.

This guide’s got every code you need, laid out clear as day.

Think of it like a cheat sheet for banking on the go.

Page Contents

Why Access Bank USSD Codes Are a Game-Changer

Picture this: You’re at a market, haggling over a deal.

The seller needs cash now, but your app’s acting up.

You pull out your basic phone, dial a code, and boom—money sent.

That’s the power of USSD banking.

It’s fast, works on any phone, and doesn’t need internet.

Access Bank’s *901# code opens a world of services.

From transfers to airtime top-ups, it’s all a few clicks away.

Here’s why people can’t stop raving about it:

No Internet, No Stress: Works on old Nokia phones or fancy ones.
Instant Results: Transactions hit in seconds, not minutes.
Safe as a Vault: Your PIN keeps things locked tight.
Always On: 24/7 access, even at 2 a.m.

Let’s get to the codes that make this magic happen.

The Full List of Access Bank USSD Codes

These are the exact codes you’ll use for Access Bank in Nigeria.

Memorize a few, or bookmark this page.

Each one’s a shortcut to getting stuff done.

Here’s the breakdown:

Main USSD Code: *901# – Your entry point to all services. Dial it and follow the prompts.
Check Balance: *901*00# or *901*5# – See your account balance instantly. No waiting.
Airtime for Self: *901*Amount# – Example: *901*200# for ₦200 airtime.
Airtime for Others: *901*Amount*Phone Number# – Example: *901*200*08012345678# to top up a friend.
Transfer to Access Bank: *901*1*AmountAccount Number# – Example: *901*1*5000*1234567890# for ₦5,000 to another Access account.
Transfer to Other Banks: *901*2*Amount*Account Number# – Example: *901*2*5000*9876543210# for ₦5,000 to a different bank.
Pay Bills: *901*3# – Covers DSTV, GOTV, electricity, and more. Follow the menu.
Request Account Statement: *901# – Dial, select the option, and get it via email in 24 hours.
Deactivate USSD Profile: *901*911# – Use this if your phone’s lost or stolen. Dial from any number.
Loan Access: *901*11# or *426*11# – Quick cash loans if you’re eligible. Check terms first.
Reset PIN: *901# and select Option 4 – Change your PIN if it’s compromised or forgotten.

Pro tip: Always use the phone number linked to your Access Bank account.

If it’s not linked, visit a branch to fix that first.

How to Activate Access Bank USSD Codes

Never used USSD before?

No sweat. It’s easier than tying your shoes.

Here’s how to get started, step-by-step.

Follow this, and you’ll be banking like a pro in minutes.

**Dial *901#**: Use your registered phone number.
Enter Debit Card Details: Input the last 6 digits of your card.
- No card? Use your date of birth instead.
Add Your Account Number: Punch in your 10-digit Access Bank account number.
Set a 4-Digit PIN: This is your transaction lock. Don’t use 1234 or your birthday.
Confirm PIN: Re-enter to make sure it’s right.
Done: You’re ready to roll.

When USSD Codes Save the Day

These are moments where USSD codes shine.

They’re not just numbers—they’re problem-solvers.

The Midnight Emergency: It’s 1 a.m., and your cousin needs cash for a hospital bill. Dial *901*2*10000*Account Number# to send it instantly. No ATM run needed.
No Data, No Problem: You’re in a village with zero bars. *901*200# gets you airtime to call home.
Bill Panic: DSTV’s about to cut off during the big game. *901*3# lets you pay in seconds, no internet required.

I remember a time I was stuck at a fuel station.

App wouldn’t load, and I had no cash.

Dialed *901*1*2000*Account Number# to pay the attendant’s Access account.

Saved my day and kept the line moving.

Tips to Use Access Bank USSD Codes Like a Boss

Want to level up your USSD game?

These hacks make things smoother and safer.

Don’t skip these—they’re gold.

Keep Your PIN Secret: Never save it on your phone or share it.
Double-Check Details: Wrong account number? Money’s gone. Confirm first.
Use a Strong PIN: Avoid obvious stuff like 1111 or your birth year.
Lost Phone? Deactivate Fast: Dial *901*911# from any phone to lock your profile.
Save Key Codes: Jot down *901*00# for balance or *901*1# for transfers somewhere handy.
Check Charges: Most transactions cost ₦10-₦50. Ask your network for exact fees.

One time, a friend got his phone stolen.

He dialed *901*911# from my phone to block his USSD profile.

Saved him from losing his savings.

Be proactive, not reactive.

Common USSD Problems and Fixes

Sometimes, things go sideways.

Here’s how to handle the most common hiccups.

No fluff, just solutions.

“Transaction Failed” Error:
- Check your network signal. Weak bars mess things up.
- Confirm you have enough funds, including for fees.
- Try again or call Access Bank at 07003000000.
Wrong PIN:
- Enter the wrong PIN three times? You’re locked out.
- Dial *901#, select Option 4 to reset it.
Code Not Working:
- Ensure you’re using the right format (e.g., *901*Amount#).
- Use the phone number tied to your account.
- Still stuck? Visit a branch or call customer care.

A colleague once fat-fingered a transfer code.

Sent ₦10,000 to the wrong person.

Called Access Bank immediately, and they reversed it.

Moral? Act fast if you mess up.

Why Access Bank USSD Beats Apps (Sometimes)

Apps are cool, but USSD has tricks apps can’t touch.

Here’s when it’s the better pick:

Low-End Phones: No smartphone? USSD works on any device.
Bad Network Areas: Apps need data. USSD just needs a signal.
Speed: Dial, enter, done. No loading screens.
No Updates Needed: Apps crash after missing updates. USSD is always ready.

That said, apps are better for complex stuff like loan applications.

Use both, but know USSD’s your clutch player in a pinch.

Wrapping It Up

Access Bank’s USSD codes aren’t just numbers.

They’re your ticket to banking freedom.

No internet, no queues, no excuses.

From *901# to check balances to *901*11# for loans, you’re in control.

Memorize the ones you use most.

Keep your PIN safe.

And next time you’re stuck, you’ll know exactly what to dial.

Got a story about USSD saving your day?

Or a code you’re confused about?

Drop it in the comments.

Let’s keep this convo rolling.

Complete List of Access Bank USSD Codes in Nigeria