Access Bank’s USSD banking service allows customers to perform banking transactions directly from their mobile phones without internet access. Whether you want to transfer money, buy airtime, purchase data, check your account balance, pay bills, block your account, or apply for a loan, Access Bank’s USSD platform makes it possible within seconds. The service works on all mobile phones and is available 24/7 across Nigeria. This guide covers the most important Access Bank USSD codes and how to use them in 2026.
What Is the Access Bank USSD Code?
The official Access Bank USSD code is:
*901#
This code gives customers access to various banking services without requiring a smartphone or internet connection.
How to Register for Access Bank USSD Banking
Before using the service, you must register with the phone number linked to your Access Bank account.
Requirements
- Active Access Bank account.
- Phone number linked to your account.
- Mobile phone with network coverage.
- Transaction PIN.
Registration Steps
- Dial *901#.
- Follow the on-screen prompts.
- Verify your account details.
- Create a 4-digit transaction PIN.
- Complete the activation process.
After registration, you can start using all *901# banking services.
Access Bank USSD Codes and Their Functions
| Service | USSD Code |
|---|---|
| Main Banking Menu | *901# |
| Check Account Balance | 90100# |
| Buy Airtime (Self) | 901Amount# |
| Buy Airtime (Others) | 901Amount*PhoneNumber# |
| Transfer Money | 901Amount*AccountNumber# |
| Buy Data | 9018# |
| Payday Loan | 90111# |
| Generate OTP | 9014*1# |
| Open Account | 9010# |
| Check BVN | 5650# |
| Block Account | 901911# |
These are some of the most commonly used Access Bank USSD banking codes.
Access Bank Transfer Code
Access Bank allows customers to transfer funds to both Access Bank accounts and accounts in other banks.
Transfer to Access Bank Account
Dial:
*901*Amount*AccountNumber#
Example:
*901*5000*1234567890#
Enter your transaction PIN to complete the transfer.
Transfer to Other Banks
Dial:
*901*Amount*AccountNumber#
Follow the prompts, select the destination bank, and authenticate with your PIN.
Access Bank Airtime Recharge Code
You can recharge your phone directly from your Access Bank account.
Buy Airtime for Yourself
Dial:
*901*Amount#
Example:
*901*1000#
This purchases ₦1,000 airtime for your registered phone number.
Buy Airtime for Another Number
Dial:
*901*Amount*PhoneNumber#
Example:
*901*500*08012345678#
The airtime will be sent to the specified phone number.
Access Bank Data Purchase Code
Access Bank customers can buy data directly from their accounts.
Dial:
*901*8#
Select your preferred network and data bundle, then confirm the transaction.
Access Bank Balance Check Code
To check your account balance:
*901*00#
Enter your transaction PIN when prompted.
Your current account balance will be displayed immediately.
Access Bank Account Opening Code
Access Bank allows customers to open an account through USSD.
Dial:
*901*0#
Follow the prompts and provide the required information.
Access Bank Loan Code
Eligible customers can apply for quick loans using USSD.
Dial:
*901*11#
Follow the instructions to check eligibility and complete the loan application.
Access Bank BVN Code
To check your BVN:
*565*0#
The service works across most Nigerian banks, including Access Bank.
How to Block Your Access Bank Account
If your phone is stolen or you suspect fraud, you can immediately block your account.
Dial:
*901*911#
Then:
- Select Block Account.
- Choose Self or Third Party.
- Enter the registered phone number.
- Confirm with your USSD PIN.
Your account will be blocked instantly.
Benefits of Access Bank USSD Banking
No Internet Needed
Transactions can be completed without mobile data or Wi-Fi.
Available 24/7
Customers can perform transactions at any time.
Works on Any Phone
The service supports both smartphones and feature phones.
Fast and Secure
PIN authentication helps protect customer accounts from unauthorized access.
Common Access Bank USSD Problems
USSD Code Not Working
Possible causes include:
- Poor network signal.
- Unregistered phone number.
- Temporary network downtime.
Incorrect PIN
Entering the wrong PIN multiple times may temporarily restrict access.
Transfer Failure
Ensure sufficient funds are available and verify account details before retrying.
Frequently Asked Questions
What is the Access Bank USSD code?
The official Access Bank USSD code is *901#.
How do I check my Access Bank account balance?
Dial *901*00# and enter your PIN.
What is the Access Bank transfer code?
Dial *901*Amount*AccountNumber# and follow the prompts.
How do I buy airtime from Access Bank?
Dial *901*Amount# for yourself or *901*Amount*PhoneNumber# for another person.
What is the code to block an Access Bank account?
Dial *901*911# and follow the instructions.
Conclusion
Access Bank’s *901# banking platform remains one of the easiest ways to access banking services in Nigeria without an internet connection. From transfers and airtime purchases to balance checks, account opening, loan applications, and account security management, the platform provides a convenient banking solution for millions of customers. By using the correct USSD codes and keeping your PIN secure, you can perform everyday banking transactions quickly and safely in 2026.
