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Access Bank USSD Code – Airtime Recharge, Transfer and Balance

The Access Bank USSD code banking lets you send airtime, send funds using the access bank transfers code, access bank airtime recharge code and many more.

The Access Bank features as one of the first banks to introduce banking by mobile. All you need is the mobile phone linked to your bank account and you are all set. With this Banking feature, you can buy Airtime, make transfers, pay bills, pay merchants and check your existing balance right from the comfort of your phone using any phone of your choice and without any need for internet connection.

This article will explain comprehensively about the various services you can benefit from using the Access Bank USSD code feature as well as the Bank accounts that can use this method. The Acess Bank USSD code banking is simply the *901# Banking system

Features of the *901# Access Bank USSD Banking

The *901# Access Bank USSD code can be used for a wide range of activities such as:

  • Opening a new Access Bank account
  • Making funds transfers
  • Recharging your phone and that of your loved ones
  • Payments for goods and services rendered via e-commerce platforms (Merchant payment)
  • Payment for utility Bills (DSTV bill payments)
  • Make Enquiries on your Account Balance
  • Generate OTPs
  • Request Payday Loans
  • Change Default Account set up etc.

Requirements for using the Access Bank USSD Banking

To become eligible for the Access Bank USSD Banking, your accounts must:

  • Be owned by a sole signatory
  • Have a BVN
  • Must be of Naira denomination
  • And have no restrictions placed on the account

However, there are some accounts that are restricted from using the Access Bank USSD Banking. This includes bank accounts owned by Corporate Bodies, Association and Joint Accounts. In addition, you must have Airtime in your phone before you can use the Access Bank USSD Banking.

In addition, if you do have multiple Access Bank accounts, only one account or your default account will be linked to this feature. This is done to increase security. If at any time, you wish to use any other of your Bank accounts to make transactions, you must do so, by first changing your default account.

Also, you can use the *901# USSD Code Banking outside Nigeria. What is needed is that your number have the ability to roam and you are good to go.

Read also Union Bank USSD Code – Transfer, Airtime Recharge and Balance

How to register for the Access Bank USSD Banking

Once you have met the requirements as stated above, you are automatically registered to use the feature. All you will need to do now is create a PIN for your transactions. So begin by dialling *901# on the phone number linked to your Bank account. Secondly, follow the instructions as they appear on your phone and you are all set.

How to use the Access Bank Airtime Recharge code

If you wish to load airtimes using the *901# Acess Bank Airtime Recharge code, then all you need do is follow the instructions as listed.

To load your mobile phone directly, simply dial the code *901*Amount# and then provide your PIN to authenticate the service.

If you, on the other hand, wish to load Airtime for others, then use the code *901*Amount*recipient’s Phone number#. You will also be required to provide your shortcode to authenticate this transaction.

How to load Data directly to your mobile phone using the Access Bank USSD feature.

To buy Data, simply dial the code *901*8# and provide the phone number you wish to send this data to as well as the amount. Lastly, authenticate the transactions by inputting your PIN.

How to use the Access Bank USSD Code Account Balance feature

To check your Account Balance using this feature, all you need do is simply dial the code, *901*5# and your current balance will be displayed on your screen. You should, however, note that this feature is free which is quite unlike what is seen with other Banks

How to use the Access Bank USSD Transfer code

The Access Bank USSD Code is easy to use. You can make fund transfers to any bank in Nigeria via this code seamlessly. However, you will be charged  N80 plus VAT to make transfers to other Banks in the country.

To make fund transfers to other Access Banks, simply dial *901*1*Amount*Recipient’s Account Number#.

To make fund transfers to other Banks, simply dial the code: *901*2*Amount*Recipient’s Account number#

In addition, there is a daily Limit on all fund transfers and airtime Recharge of about N20,000.

Other Access Bank USSD Codes

Features Short Code
Airtime for Self *901*Amount#
Airtime for Others *901*Amount*Recipient’s Phone number#
Account Opening *901*0#
Data Purchase *901*8#
Check your Account Balance *901*5#
Funds transfer to other Access Banks *901*1*Amount* Recipient’s Account number#
Funds transfers to Other Banks *901*2*Amount*Recipient’s account number#
Merchant Payment *901*3*Amount*Merchant Code
Bill Payment *901*3#
OTP Generation *901*4*1#


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